ATM ABCD

A prolong study on ATM for Banking

problem and for promotional purpose

Revised and updated version

Complied by Sumanta

KOL cir
Possible atm fraud
reporting
If any customer reports for any fraudulent
transactions using his/her ATM / INB
Credentials, please immediately report the
matter to concerned corporate for blocking
benefits and refund, if possible. Name of
the concerned corporates can be
ascertained from CBS Narration /
*ABOSS* site. Email of some Corporate
Customers are given hereunder.

epg.support@sbi.co.in

epg.cms@sbi.co.in

chargeback@irctc.co.in

fraudalert@mobikwik.com

cybercell@paytm.com
contact@payu.in

payments-fraud@flipkart.com

care@freecharge.com

contactindiafit@ebay.com

rcu@atomtech.in

customersupport@shopclues.com

resolution-in@amazon.in

support.statebankbuddy@sbi.co.in

alert.buddy@sbi.co.in

risk@ccavenue.com

support@billdesk.com

care@oxigenwallet.com
vodafonecare.mum@vodafone.com

instantpay@techprocess.co.in

service@makemytrip.com

support@citruspay.com

corporatecare@myoxigen.com

pgsupport@paytm.com

bankescalations@payzipp6y.com

salesfinance@matrimony.com

ensoperations@enstage.com

reportfraud@payu.in

pay-dispute@pay.in
ERROR CODE

RESPONSE CODES DESCRIPTION

00 Sucessful
01 Successful
50 Unauthorized Usage
51 Expired Card
52 Invaild Card
53 Incorrect PIN
54 Database Problem
55 Ineligiable Transaction
56 Inligiable Account
57 Transaction Not Supported
58 Insuficient funds
59 Insuficient funds
60 Usage Limit Exceeds
61 WDL Limit Would Be Exceeded
62 Pin Tries Exceeds
63 WDL AMT already reached
64 Invalid Credit Card Cash Advance
Amount
68 External Decline
70 System Error
71 Contact Card Issuer
72 Destination Not Available
73 Routing Loopback
74 Message Edit Error
76 Dormat Account
77 Account is locked
78 Inopeerative Account
79 Acct Not Connected to ATM Card
89 Acquirer limit exceeds
93 Minor Acct
94 Insuficiant Funds
95 Insuficient- mod-funds
96 Drawing Power
150 Blocked Card

ISO 87 Format(NFS/VISA/Mastercard)
Response code Table

Response Code Description

-01 No Data found in DataBase
00 Approved
04 Capture Card / Pick up
05 Do Not Honor
06 Pin data not available(trying to validate
offus cards pin)
07 Pick up, Special Conditions
12 Invalid Transaction
13 Invalid Amount(from issuer)
14 Invalid Card Number
15 Unknown issuer on switch
30 Format Error
33 Expired Card
34 Invalid Admin Pin
36 Restricted/Blocked Card
40 Function not supported(from
network)code action 115
41 Lost Card, pick up
42 Invalid account
43 Stolen Card, pick up
51 Not sufficient funds
52 No chequing account
53 No savings account
54 Expired Card
55 Incorrect PIN
61 Exceeds Withdrawal Amount Limit
62 RESTRICTED CARD
63 Security violation(TPK/Pin Block
Mismatch)
65 Exceeds Withdrawal Frequency Limit
66 Capture Card ( call Acquirer security
Dept)
67 Hard Capture ( to be picked at ATM)
68 Response Received too late
70 Transaction Cancelled due to Hardware
error
71 FP authentication Failled.
72 RBI Mandate, Can’t withdraw more
than 10,000 in one
txn
75 Allowable PIN tries exceeded
89 unavailable cutoff reconciliation with
member
90 Transaction Rejected (Cut-off in
progress)
• Reversal
• Admin counter overflow
• partial Reversal
• Opcode mismatch
• BNA H/W error
91 • Issuer switch unavailable
• Pin block missing
• Routing not found
92 Financial Institution or Intermediate
n/w facility can not
be found for routing
93 Transaction can not be completed(
violation of law)
Admin invalid Pin
94 Duplicate Transaction
96 System Malfunction;
Database error from FNS
99 Time Out from switch.
163 cash problem[ incorrect denomination
or less no of
available notes or amount exceeds
MAX_NOTES_TO_DISPENSE etc]
162 cash problem[ incorrect denomination
or less no of
available notes or amount exceeds
MAX_NOTES_TO_DISPENSE etc]

4100 Reversal
1000 Supply low cash dispense
ATM CARD TYPE










2. Debit Card Variants Criteria & Eligibility

Variant Usage Type Description

Base Debit Card to be issued to all customers unless
Classic
Domestic only customer requests for issuance of an International Debit
(MasterCard/RuPay/Visa)
Card.
Global Domestic + To be issued to those customers who request for issuance
(MasterCard/Visa) International of a basic International Debit Card.
Contactless Card To be issued to any customer having an active savings
Domestic +
(MasterCard PayPass /Visa account (except PMJDY & other scheme) who requests for
International
PayWave) issuance of Contactless Debit Card.
To be issued to eligible customers as per set criteria on
balance / deposit(s) maintained, car loans, home loans,
Gold Domestic + etc.
(MasterCard/Visa) International (AQB >= Rs. 50,000/- OR Deposits >= Rs. 5 lacs but <
Rs. 10 lacs OR Home Loan limit of >= Rs. 10 lacs < 20
lacs OR Car Loan of > = Rs. 3 lacs < Rs. 5 lacs)
To be issued to all non-personal current account holder OR
Pride Domestic +
non-personal account holder with loan limits of > = Rs. 1
(MasterCard/Visa) International
lac < INR 25 lac.
To be issued to eligible customers as per set criteria on
balance / deposit(s) maintained, car loans, home loans,
Platinum Domestic +
etc.
(MasterCard/Visa) International
(AQB >= Rs. 1 lac OR Deposits >= Rs. 10 lacs OR Home
Loan limit of >= Rs. 20 lacs OR Car Loan of > = Rs. 5 lacs)
To be issued to eligible customers as per set criteria on
balance / deposit(s) maintained, car loans, home loans,
Platinum Domestic etc.
(RuPay) (AQB >= Rs. 0.50 lac OR Depositors having deposit of >=
Rs. 5 lacs OR Home loan borrowers having limit of >= Rs.
10 lacs OR Car loan borrowers having limit of >= Rs. 3 lacs
To be issued to all non-personal current account holder
Premium Domestic +
with balances of > = Rs. 5 lac OR non-personal account
(MasterCard/Visa) International
holder with Loan limits of > = INR 25 lac)
Domestic + Being issued to SBI wealth customers, who are ultra HNI
Signature (Visa)
International clients
Limits at ATM & PoS/e-Com
Domestic (in Rs)
Variants International
Minimum Maximum
Daily Cash
100 40,000 Classic Debit Card can be used only in India
Limit at ATMs
Classic Daily PoS/ e-
No such
Commerce 50,000 Classic Debit Card can be used only in India
limit
Limit
Varies from country to country, subject to a
Daily Cash
100 40,000 maximum of the foreign currency equivalent
Limit at ATMs
of the Domestic limit.
Global
Daily PoS/ e- Varies from country to country, subject to a
No such
Commerce 75,000 maximum of the foreign currency equivalent
limit
Limit of the Domestic limit.
Varies from country to country, subject to a
Daily Cash
100 50,000 maximum of the foreign currency equivalent
Limit at ATMs
of the Domestic limit.
Gold
Daily PoS/ e- Varies from country to country, subject to a
No such
Commerce 2,00,000 maximum of the foreign currency equivalent
limit
Limit of the Domestic limit.
Varies from country to country, subject to a
Daily Cash 100 1,00,000 maximum of the foreign currency equivalent
Limit at ATMs
Pride of the Domestic limit.
Daily PoS/ e- No such Varies from country to country, subject to a
2,00,000
Commerce limit maximum of the foreign currency equivalent
Limit of the Domestic limit.
Varies from country to country, subject to a
Daily Cash 100 2,00,000 maximum of the foreign currency equivalent
Limit at ATMs
Premium of the Domestic limit.
Daily PoS/ e- No such Varies from country to country, subject to a
5,00,000
Commerce limit maximum of the foreign currency equivalent
Limit of the Domestic limit.
Daily Cash Varies from country to country, subject to a
100 1,00,000
Limit at ATMs maximum of the foreign currency equivalent
Platinum of the Domestic limit.
Daily PoS/ e- No such Varies from country to country, subject to a
2,00,000
Commerce limit maximum of the foreign currency equivalent
Limit of the Domestic limit.
Daily Cash Varies from country to country, subject to a
100 40,000
Limit at ATMs maximum of the foreign currency equivalent
of the Domestic limit.
Contactless
Daily PoS/ e- No such Varies from country to country, subject to a
75,000
Commerce limit maximum of the foreign currency equivalent
Limit of the Domestic limit.
Daily Cash Varies from country to country, subject to a
100 1,00,000
Limit at ATMs maximum of the foreign currency equivalent
Signature of the Domestic limit.
Daily PoS/ e- No such Varies from country to country, subject to a
3,00,000
Commerce limit maximum of the foreign currency equivalent
Limit of the Domestic limit.
5. Debit Card related Charges (w.e.f 1-Apr-2017)
Sl Particulars Variant Charges
Normal (Classic/Global) Nil
Debit Card Issuance
1. Gold Debit Card Rs. 100/- (plus service tax)
Charges
Platinum Debit Card Rs. 300/- (plus service tax)
Classic Debit Card: Rs. 125/- (plus service tax)
Silver/Global/Yuva/Gold
Rs. 175/- (plus service tax)
Debit Card:
Debit Card Annual
2. Platinum Debit Card: Rs. 250/- (plus service tax)
Maintenance Charges
Rs. 350/- (plus service tax)
Pride/Premium Business
(Can be waived on Branch
Debit Card
Manager’s discretion)
Debit Card
3. Rs. 300/- (plus service tax)
Replacement Charges
ATM Card/ KIT
returned by courier
4. Rs. 100/- (plus service tax)
due to wrong address
charges
Transaction Type Charges
State Bank Group ATM
Nil
transactions
State Bank Group ATMs –
Beyond 5 transactions:
✓Financial Transaction: Rs. 10/- (including service tax)
✓Non-Financial Transaction: Rs. 5/- (including service tax)
Domestic Transaction
5. Other Bank ATMs – Up to 5
Charges Nil
transactions
Other Bank ATMs – Beyond 5
transactions:
✓Financial Transaction: Rs. 20/- (including service tax)
✓Non-Financial Transaction: Rs. 8/- (including service tax)
Point of Sale (PoS)/
Nil
eCommerce Transactions
Transaction Type Charges
Balance enquiry Rs. 25/- (plus service tax)
International ATM Cash withdrawal Rs. 100/- min. + 3.5% of Txn.
6.
Transactions transactions Amt. (plus service tax)
Point of Sale(PoS)/ 3% of transaction amount (plus
eCommerce transactions service tax)

6. Channels for applying for a Debit Card

The customers can visit the following channels to apply for a personalized Debit card:
S.N. Channel Details
The customer can visit his Home Branch, i.e. the Branch to which
1 Home Branch the Customer’s CIF is linked, to apply for a Debit Card in his
account maintained with SBI.
Customer can avail personalized InTouch Debit Card on the same
2 SBI InTouch Branch
day at the time of account opening in sbiINTOUCH Branches
The customer has an option to apply for a Debit Card through
Internet Banking www.onlinesbi.com (post login) :
3 Online SBI
Login>>e-services >>ATM Card Services>> Request
ATM/Debit Card >>Select Mode
 7. Green PIN Generation (Ref e-Circular No: CS&NB/CS&NB-DEBITCRD/14/2016-17 dated 25-
Oct-2016)
Channel Process
• SMS PIN<space>CCCC<space>AAAA to 567676 from registered mobile number
where CCCC is the last four digits of the Debit Card number and AAAA is the last four
digits of account number
• Example: PIN 1540 5987 where “1540” is the last four digits of the Debit Card number
and “5987” is the last four digits of account number
SMS
• One Time PIN (OTP) will be sent on registered mobile number
• OTP will be valid for 2 days
• Cardholder has to create new PIN using OTP at any State Bank ATM (Banking > PIN
Change) to carry out further transactions
(Refer e-Circular No. IT/GLOBALIT-CMD/5/2016-17 dated 8-Jun-2016)
• Log in to https://www.onlinesbi.com/ using your internet banking User ID and
password
• Select e-Services >> ATM Card Services >> ATM PIN Generation
• Use One Time Password or profile password for authentication.
• Select the account number to which the Debit Card is linked
• Select the Debit Card for which you wish to create/change the PIN
INB
• Enter first 2 digits of the PIN as per your choice and the last two digits of the PIN will
be sent on the registered mobile number
• Enter all the four digits (i.e., the first two digit self chosen and the 2 digits sent to
registered mobile number) and confirm
• These 4 digits will be the new PIN
• (Refer e-Circular No.NB/NBG-INB-INB/2/2015-16 dated 24-Aug-2015)
• Cardholder has to call the Bank’s Contact Centre (1800 425 3800/ 1800 1122 11/080-
26599990) from his/her registered mobile number
• Cardholder has to enter full Card number and account number
• One Time PIN (OTP) will be sent on registered mobile number
IVRS
• OTP will be valid for 2 days
• Cardholder has to create new PIN using OTP at any State Bank ATM (Banking > PIN
Change) to carry out further transactions
• (Refer e-Circular No. IT/GLOBALIT-CMD/5/2016-17 dated 8-Jun-2016)
• Insert the State Bank Debit Card at any State Bank Group ATM.
• Select “PIN Generation” option on the ATM screen
• Enter 11 digit account number and confirm
• Enter 10 digit registered mobile number and confirm
• A message is displayed on the ATM screen that the PIN shall be received on the
ATM registered mobile number. Confirm the same
• Upon confirmation, One Time PIN (OTP) will be sent on registered mobile number.
OTP will be valid for 2 days
• Cardholder has to create new PIN using OTP at any State Bank ATM (Banking > PIN
Change) to carry out further transactions
• The detailed process flow with the ATM screenshots is attached as Annexure-A
• Cardholder can generate PIN using service through SBI Quick App by the following
SBI Quick process:
mobile • Open the SBI Quick App and click on ATM cum Debit Card option>> Generate Green
application PIN>> Enter last 4 digits of Debit Card & Enter last 4 digits of Account Number

8. Pre-Printed PIN Kits (PPKs) (Ref e-Circular No: CS&NB/CS&NB-DEBITCRD/14/2016-17 dated 25-Oct-
2016)
There might be instances where cardholders will face difficulty in generating the PIN/Re-
PIN through the above mentioned channels. To cater to such customers provision has
also been made at Branches to issue Pre-printed PIN Kits (PPK). The PPK
 can be availed by the cardholders at any Branch instantly (i.e., at both home and
non-home Branches) over the counter by giving a written request. Due diligence of
the cardholder has to be carried out at the Branch where the request is being made.
It is emphasized here that PPK must be the last option for generating a PIN and all
efforts must be made by the Branches to educate and popularize the “Green PIN”
functionality as it is not only eco-friendly but also is a cost effective and time saving
initiative. Further, Branches are also advised to maintain the records of the PPK
issued to the cardholders including the application form obtained from cardholder for
issuance of PPK for future reference as per the extant guidelines. The functionality of
issuance of PPK has been made available to the Branches through Branch INB
interface. The issuance of PPK follows the maker and checker principle. Branches
have to indent for the PPKs through Branch INB interface. The process of indenting
PPKs also follows the maker and checker principle. The Branches are advised to
maintain sufficient stock of the PPKs at all times.
9. Activation of Newly issued Debit Card (e-Circular No: CS&NB/CS&NB-DEBITCRD/20/2016-17
dated 13-Dec-2016)
As per the Bank’s policy, a Debit Card issued to customers has to be activated by
making one successful any PIN based Card Present Transaction i.e., at any PoS
terminal, any ATM or other channels like Self Service Kiosks, Green channel counter,
etc. The customers can also activate their Debit Cards through internet banking at
www.onlinesbi.com as given below:
Login>> e-Services >> ATM Card Services >> New ATM Card Activation
10. Managing Usage channels of Debit Card (Enable/Disable ATM/PoS/eCom &
Domestic/International)
Bank will send the Debit Cards to the customers in an enabled state for all channels
and Domestic/International usage. However, the cardholder can enable/disable any
of the channels (ATM/PoS/eCommmerce) or usage i.e., Domestic/International
through the following mode:
i. Through SMS (From registered mobile number)
ii. Through INB (by using OTP or profile password)
iii. Through SBI Quick APP (From registered mobile number)
iv. By visiting any SBI Branch. (Through CBS/INB interface).
The steps to be followed by the customers to avail these facilities through various
channels, are as follows:
Channel Process
Cardholder can enable/disable Channel/Usage of your ATM Card using this service by
sending SMS from your mobile number registered in Core Banking with the Bank.
Send SMS to 09223966666
Service SMS for Switching On SMS for Switching Off
ATM SWON ATM CCCC SWOFF ATM CCCC
SMS
POS SWON POS CCCC SWOFF POS CCCC
E-Commerce SWON ECOM CCCC SWOFF ECOM CCCC
Domestic Usage SWON DOM CCCC SWOFF DOM CCCC
International Usage SWON INTL CCCC SWOFF INTL CCCC
CCCC = last 4 digits of the ATM card number.
 Cardholder can enable/disable Channel/Usage of your ATM Card using this service through
INB by the following process:
INB
Login (by using OTP or profile password)>> eServices>> ATM Card Services>> ATM
Card Limit/Channel/Usage Change
Cardholder can enable/disable Channel/Usage of your ATM Card using this service through
SBI Quick
SBI Quick App by the following process:
mobile
ATM cum Debit Card option >> ATM card Switch On/Off>> select On/Off for each
application
channel as per preference
Cardholder can visit the branch and apply for the required services by submitting the
application form. Branch Officials may Please refer e-Circular No. CS&NB/CS&NB-
Branch
DEBITCRD/3/2017-18 dated 8-May-2017, for details of Debit Card Management Support
Functionalities available through Core Banking.

11. Managing limits of Card @ ATM/PoS/e-Com

Channel Process
Internet Cardholder can change his ATM/PoS/e-Com Card Limit using this service through INB
Banking by the following process:
e-Services >> ATM Card Services >> ATM Card Limit/Channel/Usage Change
Branch Cardholder can also visit the branch and apply for the above services. Branch Officials
may Please refer e-Circular No. CS&NB/CS&NB-DEBITCRD/3/2017-18 dated 8-May-
2017, for details of Debit Card Management Support Functionalities available through
Core Banking.

12. Blocking/Unblocking of Cards:

(Refer Circular no. CS&NB/CS&NB-DEBITCRD/26/2016 – 17 dated 24-Jan-2017)
At present, the State Bank Debit Cardholders can block their State Bank Debit Card
through the following channels:
Channel Process
By calling Contact Centre. Once the Card is blocked, a confirmation SMS
State Bank
will be sent to the registered mobile number along with a ticket number
Contact Centre
which may be required for future reference.
• Login to internet banking using user ID and password
• Click on “ATM Card Services” available under “e-Services” tab
• Click on “Block ATM Card”
• Select the account number and confirm
• Select the Debit Card which is to be blocked and confirm
• Recheck and confirm
Internet Banking • Select the authentication method i.e., from “Using Profile Password” or
“One Time Password (OTP)”
• Enter the OTP sent to your registered mobile number or profile password
and confirm
• Card will be blocked and a confirmation message will be displayed along
with the ticket number of the blocking
• Save the ticket number of the blocking as it may be required in future
for reference
• Open the SBI Quick App and click on ATM cum Debit Card option
• Click on ATM Card Blocking option and enter the last 4-digits of Card
SBI Quick mobile number and click on continue.
application • Card will be blocked and a confirmation SMS will be sent to the registered
mobile number along with ticket number of the blocking which may be
required for future reference.
 • Send SMS “BLOCK<space>XXXX” to 567676 from registered mobile
number (XXXX is the last 4-digits of State Bank Debit Card)
• Example: If the State Bank Debit Card no. is 4232 4541 8553 2136 (Last
SMS
four digits are 2136). For blocking the Card, send SMS - BLOCK 2136 to
567676
• This service is available only through registered mobile number
• The option of blocking is also available under Branch’s internet banking
Branch’s Internet interface under “Request” tab
Banking • The option of blocking is available to both “Maker” and “Checker”.
Interface • Customer request form for blocking the Debit Card is enclosed as
Annexure-A
• The Debit Card can also be blocked by the Branch using DCMS
DCMS
functionalities available through CBS. Branch Officials may please refer
functionalities
e-Circular No. CS&NB/CS&NB-DEBITCRD/3/2017-18 dated 8-May-2017,
available through
for details of Debit Card Management Support Functionalities available
CBS
through Core Banking.
Unblocking of Cards:
With a view to simplify the existing process, Branches have been empowered to
block/unblock the Card through Branch’s internet banking interface on a real time basis.
The process of unblocking of Debit Cards through Branch’s internet banking follows the
maker and checker principle. The Cardholders can request for de-hot listing/unblocking
their Debit Card at any Branch i.e., either at the home Branch or any other Branch over
the counter by giving a written request. Due diligence of the cardholder has to be
carried out at the Branch where the request is being made. The Debit Card can also be
unblocked by the Branch using DCMS functionalities available through CBS. Branch Officials
may please refer e-Circular No. CS&NB/CS&NB-DEBITCRD/3/2017-18 dated 8 -May-2017, for
details of Debit Card Management Support Functionalities available through Core Banking.

13. Debit Card Management Support Functionalities through Core Banking

With a view to provide operational ease for the operating Staff members at Branches
and to improve the turnaround time (TAT) for resolution process, all major Debit Card
Management Functionalities (like Blocking/Unblocking, enabling/disabling usage of
Debit Card over ATM/PoS/eCom or Domestic/International channels), have since been
made available in CBS. Please refer e-Circular No. CS&NB/CS&NB-DEBITCRD/3/2017-18
dated 8-May-2017, for details.
14. Renewal of Debit Card:
The Debit Cards whose validity is about to get expired will be renewed automatically
from back-end by the Bank. The renewed Card will have a new number (i.e., different
from the number of the existing Card) and will also have a new PIN. The existing Card
will not be renewed if, at the time of renewal,
a. The account is not KYC compliant or PAN Number/Form 60 not updated in CBS,
b. The status of the Debit Card is blocked,
c. The Card has not been used at all during the entire validity period, or
d. The primary account is inoperative/closed.
The renewed Card will have all the accounts linked as was with the old Card. The renewed
Card will be sent to the customer at the registered address. The renewed Cards will be sent
to customers 2 to 3 months in advance. Branches, therefore, should make all efforts to
update the address of the customer, after completing all the required formalities as per
extant instructions of the Bank, in the Core system so as to minimise return of Cards
from the customer’s address. The new Card will be issued in active mode i.e., the Card
can be used with PIN immediately after receipt even though the old Card is still active.
Customers, however, should be advised to destroy the old Card once the renewed Card
has been successfully used.
15. Insurance Cover for Debit Cardholders
For normal Debit Card variants, no insurance cover forms part of the
standard offerings.
Depending upon the Debit Card variant, the Cardholder may be offered some
complimentary insurance benefits from time to time by the Bank through a tie-up with
an insurance company. Presently, only select premium variants of the Debit Cards are
offered complimentary insurance benefits by the Bank. The details of the
complimentary Insurance cover available on SBI Debit Cards are as follows:
Type Of Signature (Visa) Gold
Platinum (MasterCard/Visa)
Insurance (MasterCard/Visa)
Personal Rs. 10,00,000/- in case of Rs. 5,00,000/- in case of Rs. 2,00,000/- in case of
Accident accidental death only in case accidental death only in case accidental death only in case
Insurance of the debit Cards active of the debit Cards active of the debit Cards active
over PoS/e-Com/ATM over PoS/e-Com/ATM over PoS/e-Com/ATM
2 days pre reporting and 7
day post reporting (including
Lost card
the reporting day) claims are - -
Liability covered upto Rs. 4,00,000/-.
Pin based transactions not
covered
Rs. 50,000/- for purchase Rs. 5,000/- for purchase
protection for theft and protection for theft and
Purchase burglary upto 90 days from burglary upto 90 days from
-
Protection the date of purchase in the date of purchase in
respect of transactions respect of transactions
carried out at point of sale carried out at point of sale
(PoS/e-Com) (PoS/e-Com)

The customers may please be asked to refer to www.sbi.co.in or detailed terms and
conditions.

In addition to the above, the following Insurance Covers are being offered to SBI debit
Cardholders by NPCI on RuPay Debit Cards.
Debit Card Type of Insurance
Cover Amount Condition
Variant Cover
Available to the Cardholders who have
performed minimum one successful financial or
RuPay Debit Personal Accidental
non-financial transaction at any channel
Cards issued Death or Permanent Rs. 1,00,000/-
(ATM/MicrATM/PoS/e-Com/Business
under PMJDY Total Disability only
Correspondent) within 90 days prior to the date
of accident including accident date.
Available to the Cardholders who have
performed minimum one successful financial or
RuPay Personal Accidental
non-financial transaction at any channel
Platinum Debit Death or Permanent Rs. 2,00,000/-
(ATM/MicrATM/PoS/e-Com/Business
Card Total Disability only
Correspondent) within 45 days prior to the date
of accident including accident date.
The customers may please be asked to refer to www.npci.org.in for detailed terms and
conditions.
16. Basic safety measures for SBI Debit Card:
Customers should be made aware of preventive steps to avoid misuse/fraudulent
transactions on their Debit Card. They should be informed about these basic security tips:
• To change PIN at regular intervals
• Not to share PIN with anyone including their family members and close relatives
• To report lost or stolen cards immediately to the Bank by any mode or by calling
 contact center.
• Not to share Card number, CVV, PIN, OTP, expiry date, etc. with anyone, even if the
 person claims to be a bank employee.
• Never to keep Card and PIN together or write the PIN on the Card cover.
Do not believe any unsubstantiated information. Visit www.sbi.co.in or call toll free
contact center for authentic information.