GIFT CARDS

Presenting Gifts to Employees is an integral and unique culture in India. Traditionally, gifts have been given to employees in the form of cash or kind. With the advancement of Banking, Gift Cheques were introduced, allowing the employees to use the money according to their wishes. These cheques, however, are accepted at the issuing bank branches only. The SBI Gift Card, issued in association with VISA International, is one such product which gives the comfort of convenience and wide acceptability.

Gift Card is a Pre-paid Plastic Card supported by Magnetic-strip based technology. It is usable at all VISA enabled Merchant Establishments and POS by signature/ PIN. It is a perfect substitute for Gift Vouchers sold by many retail houses as its use is not restricted to any particular Merchant Establishment/ Point of Sale.

Currency of Issue
Indian Rupees

Documentation

For Individuals: Basic KYC norms will be completed
For Corporates: The corporate will just give a list of the beneficiaries and the cards will be issued

Issue of Cards

* SBI Gift cards are available at all Branches on Core Banking Solution
* Gift Cards are issued for a minimum of Rs.500/- and thereafter in multiples of Rs.100 subject to a maximum of Rs.20,000/-

Personalised Cards

The card can also be personalized, upon request by the Corporates for Bulk Issue.

Daily Transaction Limit

* Point of Sales Transactions – No Limit
* Balance enquiry can be done through SBI ATMs/ through Internet free of cost
* Account Statement can be viewed/ printed through Internet free of cost

Card Validity

* The expiry date is pre-printed on the cards

SBI GOLD INTERNATIONAL DEBIT CARDS

SBI Gold Debit Cards have come with a variety of add-on features besides higher daily cash withdrawal limits at ATMs. The Gold International Debit cards are issued in association with MasterCard as well as VISA International and are available with all Core Banking Branches. Subscribe for one and get the power of Gold Debit Cards with which you can not only draw cash at ATMs but also dine, shop and travel using the Gold Debit. Above all get rewarded while you spend using these cards at MEs / Pos. You can also carry out e-commerce transactions on VbV (Verified by Visa) certified Internet websites using your SBI Visa Gold International Debit Card in a safe and secure manner. You can now transfer funds using the Visa Money Transfer facility, if you are an active Internet Banking User, to another VISA Debit / Credit Card issued by the Bank or by any other Bank!!! Similarly using our ATMs these card holders can now transfer funds from their account to another VISA Debit / Credit Card issued by the Bank or by any other bank!!!!

Salient Features OF SBI MasterCard Gold International Debit Card & SBI VISA Gold International Debit Cards:

SALIENT FEATURES

Visa Money Transfer (VMT) facility: This facility enables VISA Gold Debit / MasterCard Gold Debit / ATM Debit Cardholders of the Bank to transfer funds through the SBI group ATM and all active INB users with transaction rights to transfer funds to any VISA Debit Card/ Credit Card issued by the bank or any other Bank in India at a nominal cost. The cardholder has to make a one time registration and set-up the VISA Card to which he proposes to transfer funds, through State Bank's website

Verified by Visa (VbV) facility: This enables the SBI VISA International Gold Debit Cardholder, to carryout purchase transactions on Internet Merchant establishments, more securely using the Visa Gold Debit Card. The Card holder has to make a one time registration with State Bank's website or during the process of making a purchase on VbV authenticated internet merchants.

ATM SERVICES

STATE BANK NETWORKED ATM SERVICES

State Bank offers you the convenience of over 9000 ATMs in India, the largest network in the country and continuing to expand fast! This means that you can transact free of cost at the ATMs of State Bank Group (This includes the ATMs of State Bank of India as well as the Associate Banks – namely, State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Indore, State Bank of Mysore, State Bank of Patiala, and State Bank of Travancore) and wholly owned subsidiary viz. SBI Commercial and International Bank Ltd., using the State Bank ATM-cum-Debit (Cash Plus) card.

KINDS OF CARDS ACCEPTED AT STATE BANK ATMs

Besides State Bank ATM-Cum-Debit Card and State Bank International ATM-Cum-Debit Cards following cards are also accepted at State Bank ATMs: -
1) State Bank Credit Card
2) ATM Cards issued by Banks under bilateral sharing viz. Andhra Bank, Axis Bank,Bank of India, The Bank of Rajasthan Ltd., Canara Bank, Corporation Bank, Dena Bank, HDFC Bank, Indian Bank, Indus Ind Bank, Punjab National Bank, UCO Bank and Union Bank of India.
3) Cards issued by banks (other than banks under bilateral sharing) displaying Maestro, Master Card, Cirrus, VISA and VISA Electron logos
4) All Debit/ Credit Cards issued by any bank outside India displaying Maestro, Master Card, Cirrus, VISA and VISA Electron logos

State Bank ATM-cum-Debit (State Bank Cash plus) Card:

India’s largest bank is proud to offer you unparalleled convenience viz. State Bank ATM-cum-Debit(Cash Plus) card. With this card, there is no need to carry cash in your wallet. You can now withdraw cash and make purchases anytime you wish to with your ATM-cum-Debit Card.
Get an ATM-cum-Debit card with which you can transact for FREE at any of over 9000 ATMs of State Bank Group within our country.

STATE BANK CASHPLUS SCHEME.

Features:

· Withdraw cash from over 9000 ATMs of our group FREE and about 16000 ATMs of other banks under bilateral sharing viz. Andhra Bank,Axis Bank, Bank of India, The Bank of Rajasthan Ltd. Canara Bank, Corporation Bank, Dena Bank, HDFC Bank, Indian Bank, IndusInd Bank, Punjab National Bank, UCO Bank and Union Bank of India apart from ATMs displaying Master Card/ Maestro/Cirrus logo for a nominal fee as under: -

· Make payments for purchases by using the debit card at more than 2,39,000 shops, restaurants, shopping malls, hotels, petrol pumps and many other outlets which display Maestro logo.
· Recharge pre-paid mobile phones of Vodafone, IDEA and BPL without any charges at any State Bank ATM.
· Recharge pre-paid mobile phones of AIRTEL of 11 Circles viz. Mumbai, Delhi, Gujarat, M.P., U.P. (East), U.P. (West), Karnataka, Kerala, Andhra Pradesh, Tamilnadu, and Chennai, through ATM/ SMS anywhere in India.
· Recharge mobile phones of AIRTEL, Vodafone, IDEA and BPL without any charges at all ATMs as well as by sending SMS (after registration at State Bank ATM).The text of SMS will be as under: -
Service Provider SMS Text Send SMS to

Airtel RC (AMOUNT) PIN 535

BPL RC SBI (AMOUNT) PIN 140

Vodafone RC SBI (AMOUNT) PIN 147

IDEA RC SBI (AMOUNT) PIN 575

· Pay MTNL, Mumbai bills through State Bank ATMs
· Payment of SBI Credit Card bills
· Payment of SBI Life insurance premium
· Pay fees of select colleges
· Donate to Temple Trusts: - (a) Vaishno Devi (b) Shirdi Saibaba (c) Gurudwara Takht Saheb, Nanded (d) Tirupati and (e) Sri Jagannath Temple, Puri

Transaction Limits:

Daily limit of Rs 25,000/- at the ATM
Daily limit of Rs 50,000/- at Point of Sale (POS) terminal for debit transactions Combined daily limit of Rs 75,000/-

Fees:

There is no joining fee for State Bank ATM-cum-Debit (Cash Plus) card. Annual maintenance fee of Rs. 50/- p.a. will be recovered from the second year of issue.

State Bank Cash Plus International Card:

This is an International ATM-cum-Debit Card with which you can enjoy shopping atover 2,64,000 establishments in India and over 10.5 Million establishments worldwide displaying Maestro logo, wherein the amount you spend on your card is automatically debited to your account. Withdraw cash from over 9000 ATMs of our group FREE and over 16000 ATMs of other banks under bilateral sharing viz. Andhra Bank,Axis Bank, Bank of India, The Bank of Rajasthan Ltd. Canara Bank, Corporation Bank, Dena Bank, HDFC Bank, Indian Bank, IndusInd Bank, Punjab National Bank, UCO Bank and Union Bank of India apart from ATMs displaying Master Card/ Maestro / Cirrus logo in India and more than 8,20,000 ATMs across the globe for a nominal fee. In India, it would function as the State Bank ATM-cum-Debit (Cash Plus) card.


WITHDRAWAL LIMIT: -

i) Cash Withdrawals(per day) :

India Abroad

Minimum Rs. 100 Depends on the Bank whose ATM is being used

Maximum Rs. 45000 US$1000 or equivalent


ii) Transaction at POS (per day) :

India Abroad

Maximum Rs. 1,00,000 US$1000 or equivalent

Maximum permitted aggregate utilization in a day is Rs. 145000 in India and equivalent to US$ 2000 abroad (subject to compliance with the RBI and Exchange Control/ FEMA Regulations)

TRANSACTION COSTS: -

The Card holder's account is liable to be debited with the following fees, if the transaction is made at an ATM owned by bank other than SBI and its Associates: -


Fees :
The State Bank Cash Plus International Card is available for one time joining fee of Rs 200/-. Annual maintenance fee of Rs. 50/- p.a. will be recovered from the second year of issue.

Experience Anytime Anywhere Banking with STATE BANK. Call at toll free 1800-112211 from BSNL/MTNL landlines or 080-26599990 from other mobile/ landlines.

Enhanced Convenience:

State Bank accepts Debit/ Credit Cards issued by banks in India and abroad affiliated to both VISA and Master Card International at its over 9000 ATMs in India. Cash transactions and balance enquiries are allowed at these ATMs for which card issuing bank may levy nominal charges.

STATE BANK INTERNATIONAL ATM-CUM-DEBIT CARD

Eligibility:

All Saving Bank and Current Account holders having accounts with networked branches and are:
* 18 years of age & above
* Account type: Sole or Joint with “Either or Survivor” / “Anyone or Survivor”
* NRE account holders are also eligible but NRO account holders are not.

Benefits:

* Convenience to the customers traveling overseas
* Can be used as Domestic ATM-cum-Debit Card
* Available at a nominal joining fee of Rs. 200/-
* Daily limit of US $ 1000 or equivalent at the ATM and US $ 1000 or equivalent at Point of Sale (POS) terminal for debit transaction
* Purchase Protection*up to Rs. 5000/- and Personal Accident cover*up to Rs. 2,00,000/-
* Charges for usage abroad: Rs. 150+ Service Tax per cash withdrawal Rs. 15 + Service Tax per enquiry.

Acceptability:

Card can be used at:
* More than 8,20,000 ATMs and 7 million POS, worldwide, displaying Cirrus logo
* All State Bank Group and tie-up banks’ ATMs, and ATMs & POS in India displaying Master Card/ Maestro / Cirrus logo