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Manage your account on the go with the SBI Card Mobile App

FAQs

Transaction Usage & Limits

  • Q1. How can I switch on/off and set/modify limits for different category of transactions (for domestic and international usage) on the SBI Card app/website?

  • A.Please follow any of the below mentioned process to set/modify the category usage/limits for different transactions:

    • SBI Card App – Login->Select ‘Services’ from the main menu->Click on ‘Manage Card Usage’->Choose transaction type (Domestic/International) under ‘Manage Usages’
    • SBI Card website – Login->Click on ‘Services’ from the main menu in the left navigation panel->Click on ‘Manage Card Usage” from the drop down menu->Choose transaction type (Domestic/International. By default, ‘Domestic’ is selected)
    • Use the following SMS to activate the different transaction category usage:

    To activate all Domestic transactions(POS, ATM, Online and Contactless) SMS DOM <Last four digits of your card> to 5676791
    To activate all International transactions(POS, ATM, Online and Contactless) SMS INTL <Last four digits of your card> to 5676791
    To activate Domestic POS transactions SMS DOMPOS <Last four digits of your card> to 5676791
    To activate International POS  transactions SMS INTLPOS <Last four digits of your card> to 5676791
    To activate Domestic ATM transactions SMS DOMATM <Last four digits of your card> to 5676791
    To activate International ATM transactions SMS INTLATM <Last four digits of your card> to 5676791
    To activate Domestic Online transactions SMS ECOMD <Last four digits of your card> to 5676791
    To activate International Online transactions SMS ECOMI <Last four digits of your card> to 5676791
    To activate Domestic Contactless/TAP&Pay transactions SMS DOMCON <Last four digits of your card> to 5676791
    To activate International Contactless/TAP&Pay transactions SMS INTLCON <Last four digits of your card> to 5676791
  • Q2. I am the secondary/add-on cardholder. Can I change the transaction usages/limits on the SBI Card App/website?

  • No. Transaction limits on the SBI Card account can only be managed by a Primary account holder for both primary and add-on Card

  • Q3. Will there be a lag if I activate/deactivate/change limit for any transaction usage for any category?

  • No. All the changes are saved and activated instantly

  • Q4. What will happen if I do a transaction(eg. Online) and my domestic online transaction category switch is OFF?

  • The said transaction will get declined. Similar behavior will be applicable for all transaction types(for domestic and international usage). To successfully complete the transaction, please switch ON the corresponding transaction category switch(Domestic Online in this case). To manage transaction category usage, please check Question 1.

  • Q5. What will happen if I do a transaction(domestic/international) greater than the transaction category limit set but lesser than my credit limit?

  • The said transaction will get declined. To successfully complete the transaction, please increase the corresponding category limit OR attempt a transaction within the transaction category limit set. To manage transaction category limits, please check Question 1.

  • Q6. What are Domestic Transactions?

  • Transactions done in India in currency code as INR (Indian Rupees). Kindly enable your domestic usage to transact at retails stores or online websites/ mobile apps in India.

  • Q7. What are International Transactions?

  • Transactions done in foreign currency or INR in countries outside India(Except Nepal and Bhutan). Kindly enable your international usage to transact online on international websites/ at stores outside of India.

  • Q8. What is an ‘Online’ Transaction?

  • Online transactions include payment done on a website, mobile app/QR Code or any other online mode(including auto-debit/standing instructions etc.), for the purchase of goods or services.

  • Q9. What is meant by ‘POS’/’POS Transaction’?

  • Point of Sale(POS) transaction is a payment done at retail store using point of sale (POS) terminals by dipping your credit card/payment using card tokenization services (eg. Samsung Pay/SBI Card Pay). Activate your credit card for making POS transactions.

  • Q10. What is a ‘Contactless’ Transaction/NFC?

  • Contactless/Tap & Pay transactions are done by tapping your card at NFC (Near Field Communication) enabled Point of Sale (PoS) terminals for purchase of goods or services.

  • Q11. What is an ATM transaction?

  • Automated Teller Machine(ATM) transaction is a transaction done at ATMs to avail cash/use other ATM facility.

  • Q12. What is ‘Set Your Spend Limits’?

  • Using ‘Set Your Spend Limits ‘ link you can set your individual category usage as per billing cycle credit limit.

  • Q13. What is the max. limit that I can set for any category?

  • The maximum limit for any category can be set equivalent to the credit limit on the card. In case of ATM transactions, the maximum limit that can be set will be the cash limit on the card.

  • Q14. What happens to my existing Standing Instructions/Autopay bill registrations done through SBI Credit Card website/mobile app ?

  • These transactions are treated as online domestic transactions. Please ensure that your online switch is ON for domestic transactions

  • Q15. What happens to any Standing Instructions that I had set directly at merchant websites/app?

  • These transactions are treated as online transactions. Please ensure that your online switch is ON for domestic & International transactions

  • Q16. Why are all these transaction categories listed on the app/website?

  • The different transaction usage categories have been added for enhanced security on your card.