Tokenisation

RBI has directed the payment aggregators, wallets and online merchants (entities in card transaction/payment chain other than card issuers/card networks) not to store any sensitive card related customer information including full card details. Hence, the card numbers can be replaced with ‘token’ as mentioned above. This RBI mandate would come into effect from 1st October 2022. Please be assured that this will not hamper your credit card experience but will make your credit card transactions more secure.

As the card details will not be saved from 1st October 2022 you will need to tokenise your card on the corresponding Merchant website or app. You can then continue to make payments without entering your card details again on that Merchant if you have generated a token. If you do not tokenise your card, then you would have to manually enter your full card details for making transactions

This token will be used instead of your card details for all the online payments you make on the merchants.

A tokenised card transaction is considered safer as the actual card details are not shared/stored with the merchants to perform the transaction.

You should follow the instructions specified by the online Merchant and follow the registration and verification flow in order to register for tokenisation and store the token with the online Merchant. Generally, the process would entail filing your card details, followed by verification via OTP and then a token will be generated associated with your card. This token will be saved by the online Merchant.

If you do not choose to tokenise your card then you will have to enter all your card details including card number, expiry and CVV for every payment you make.

No, token registered on one merchant cannot be used on another merchant. Each merchant will have a unique token associated with every card saved on that Merchant. This token cannot be used for any other card that you might have or on any other merchant. Essentially, your card will have multiple tokens based on the number of Merchant you would have tokenised your card with.

You can delete token by directly going to the merchant’s website/app and deleting the card associated with the token from your payment preferences. Alternatively, you can also call SBI Card’s helpline to request for deletion.

You can request for tokenisation of any number of cards to perform a transaction.

For performing any transaction, you will be free to use any of the cards registered with the token requestor / merchant.

You will be able to see the last 4 digits of the card on the merchant page.

You will have to visit the merchant page and create a fresh token by following the instructions available on the merchants’ page.

Yes, Add-On card holder will need to tokenise his/her card separately following the same process as the primary card holder.