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Contactless SBI Credit Cards

The Contactless SBI Credit Cards, powered by Visa Contactless / Mastercard Contactless, is a fast and convenient way to pay for every day purchases. Simply tap your SBI Credit Card on a POS machine to make a contactless payment. Hence, there is no need to swipe or dip your credit card.

 

FAQs on Contactless SBI Credit Cards

  • Q1. How can I use my Contactless SBI Credit Card to make payments?

  • You can follow the below steps to make payments with your Contactless SBI Credit Card:

    • Look for the Visa Contactless / Mastercard Contactless mark/ contactless logo at the POS machine
    • Tap your Contactless SBI Credit Card at the POS machine (the card should be held at less than 4 cm from the POS machine).
    • Four green indicator lights or a beep sound will indicate that the transaction is complete. A message will also be displayed on the screen indicating the transaction is complete. No PIN is required for transaction amount of less than Rs. 2000
    • You will receive an SMS on your registered mobile number with the details of the transaction Please note that payments through contactless mode is allowed for maximum amount of Rs. 10,000 in a day, with max. capping of every transaction at Rs.2000.
  • Q2. What are the benefits of making payments with Contactless SBI Credit Card?

    • You can make faster payments as there is no need for dipping, swiping, entering card PIN or fumbling for cash.
    • During a contactless transaction, the card never leaves your hand. This greatly reduces the risk of card loss and fraud through counterfeit/skimming.
    • A Visa Contactless / MasterCard Contactless card has its own, unique, built-in, secret key, which is used to generate a unique code for every Visa Contactless / MasterCard Contactless transaction, thus making it more secure.
  • Q3. Is there a limit for a contactless transaction amount?

  • Yes, payments through contactless mode is allowed for maximum amount of Rs. 10,000 in a day, with max. capping of every transaction at Rs.2000. For any transaction of amount more than Rs. 2,000, you would have to dip or swipe your credit card and enter the 4-digit PIN to authenticate the transaction.

  • Q4. Where can I use my Contactless SBI Credit Card to carry out a contactless transaction?

  • You can make payments through the contactless mode at all the merchants having NFC enabled POS machines. Just look for the contactless symbol at the POS machine to make the contactless payments. You can also use your Contactless SBI Credit Card to make payments by swiping/dipping your card & entering the 4-digit PIN at the merchants.

    Click here to know where to use your contactless SBI Card.

  • Q5. Can I use my Contactless SBI Credit Card at merchants that do not accept contactless payments?

  • Yes, for the merchants that not enabled for contactless payments, you can use transact by swiping or dipping your card & entering the 4-digit PIN.

  • Q6. Could I be debited twice if I have more than one contactless card in my wallet?

  • No, contactless POS machine communicates with one card at a time. In case at the merchant outlet, the POS machine identifies more than one contactless card in your wallet or purse, you will be asked to select the card with which you would like to pay.

  • Q7. Can I unknowingly make a purchase if I walk past a contactless enabled POS machine?

  • No, your card should be present within 4 cm of the POS machine for more than half a second and the retailer must enter the transaction amount for you to approve. Also, the POS machines can process only one transaction at a time, therefore reducing transaction errors.

  • Q8. Is there any difference for ATM Cash withdrawal and online transactions for contactless Credit Card?

  • There is no difference in the transaction process for ATM Cash withdrawal or for any online transaction.

  • Q9. What is NFC?

  • Near Field Communication or NFC is a method of wirelessly transmitting data using radio waves. Tap to Pay uses NFC to wirelessly transmit payment data to payment terminals with NFC readers that have been activated for use. The payment information is transmitted in an encrypted format making the transaction completely secure.

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