How To Block Sbi Atm Card: Lost Your SBI Debit Card? A Step-by-step Guide On How To Block, Reissue A New One
In the event of a loss or damage, the government-run State Bank of India (SBI) allows its customers to ban their SBI ATM or debit cards via phone calls and SMS. It is crucial to disable the debit card as soon as possible once it is lost or stolen because doing so increases the risk of misuse or unauthorized transactions. >How To Block Sbi Atm Card<
If you lose your debit card, the first thing you should do is block it. Recently, the State Bank of India (SBI) provided instructions on how to Block an outdated debit card and issue a new one. You can accomplish this by simply dialing a number.
SBI recently tweeted, “Here is how you can block your Debit Card and reissue a new one via our toll-free IVR system. Just call 1800 1234,” on their official Twitter account.
Amrit Mahotsav is celebrated with SBI in the photo with the hashtags #SBI #StateBankOfIndia #IVR #DebitCard.
How to disable an SBI debit card: >How To Block Sbi Atm Card<
- Contact 1800 112 211 for further details.
- Press 2 to disable the SBI card.
- To block the card, enter the last 5 digits of the account number.
Your card will be successfully stopped, and you will receive an SMS confirmation to your registered cellphone number. >How To Block Sbi Atm Card<
“Here’s how to use our toll-free IVR system to ban your Debit Card and reissue a new one.” “All you have to do is call 1800 1234 or 1800-2100,” SBI tweeted, accompanied by a video that walks you through the process.
The steps to take to have your SBI debit card renewed are as follows:-
- via the corporate website
- To get started, visit sbicard.Com.
- Click the drop-down menu and choose “Request”.
- From the drop-down option, choose “Reissue/Replace Card.”
- Pick a card number.
- Press the “Submit” key.
- utilizing a mobile app
- Use your mobile device to log in to the SBI Card app.
- Press the “Menu tab” located in the top left corner.
- Click the drop-down menu and choose “Service Request”.
- From the drop-down option, choose “Reissue/Replace Card.”
- Pick a card number.
- From the drop-down menu, choose “Submit”.
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Forgot To Collect Your Debit Card At ATM? Immediately Block Card, Apply For Fresh One
You go to an ATM booth, withdraw some money, count it, and then walk off, forgetting to take back your debit card from the machine. This is one of the machines that swallow the card to read the encrypted data to carry out the transaction.
The next morning, you find to your horror that your debit card is not in your wallet. You call the bank on the customer care hotline and get the card blocked.
Thankfully, no money is lost and you apply for a replacement card for some extra fee.
But what if you choose to claim your card back by visiting the bank branch or the ATM kiosk instead of blocking it? Is it possible? Or can a fraudster misuse your ATM case if he/she gets access to it?
How To Block Sbi Atm Card: Here are the steps you should follow.
What Happens If You Forget Your Card At An ATM?
There are two scenarios to this – whether you used your card at your own bank’s ATM or another bank’s ATM.
If you have an account with Bank X and forget your card with any ATM maintained by another bank, your ATM card will be destroyed.
Chitrabhanu K G, senior VP and country head, retail assets and cards, Federal Bank, explains that if a customer of another bank forgets to collect his card at the ATM, then the bank branch which maintains the ATM will destroy the card.
“In cases such as these, the bank branch which maintains the ATM cannot identify the customer of the other bank, and hence, the card cannot be given back to the customer. In accordance with the current procedure, the ATM officer of the branch will record the number and name on the card in a register and will destroy the card,” adds Chitrabhanu.
Even if you manage to reach the other bank or branch (another bank) where the ATM was located to collect your card, then also you won’t get it back.
Says Sony A, general manager and CIO of South Indian Bank, “If you forget your card in an ATM slot or premises, and if a good fellow hands over the card to the branch running the ATM, then also the branch will not be able to contact the customer based on the physical card details, nor would they be able to hand over the card to a person claiming that it belongs to him unless it is the home branch of the customer, where the authenticity may be confirmed.”
Also, there is no provision to contact the card network available currently.
“Acquiring banks will not be contacting VISA/Rupay/ MasterCard, as there is no such procedure currently available and the information at their end also would be minimal,” adds Sony.
According to Sony, customers should immediately call their bank to block the card the moment they find it missing, and apply for a fresh card.
But what happens if you lose your card in an ATM that is maintained by your bank?
In that case, the process differs from bank to bank. Some banks will return your card after verification. Some other banks will return it only if the ATM comes under your home branch. For instance, let’s assume you have an account at Branch X, which has 10 ATMs under it. If you lose your card at any of these 10 ATMs, the bank will return your card after verification. If you lose your card at any ATM outside of these 10 ATMs, you will not get your card bank.
This, however, varies from bank to bank.
Can Someone Fraudulently Use Your Card Or Clone It?
If you forget to take out the card from the machine and a fraudster gets hold of it, then also he/she cannot use it for further cash withdrawal or any transaction without knowing the PIN of the said card.
“In India, most of the cards contain EMV Chip, wherein even if the card is cloned (from the magnetic strip on the rear), the chances of withdrawing money using the cloned card is very less, as most of the banks do not permit such debits against magnetic strip details,” Sony adds.
However, a fraudster can use the said card for contactless payment transactions, up to the limit of Rs 5,000 per transaction, if the said facility is enabled for this card.
But there is a remedy for this, too.
Chitrabhanu said that every banking customer is “provided with 24×7 access to card management modules, through multiple applications, including mobile banking app, Netbanking, ATM, IVR, and bank branches through which he/she can switch off facilities like international card transactions, e-commerce transactions, and contactless payments.
“In case the customer identifies that he has lost the card, he can either block specific features or permanently block the card through any of the channels so that further transactions will not be allowed with the card,” adds Chitrabhanu.
A spokesperson for Visa said in a statement that it is important that a customer notifies the card issuing bank immediately of the loss of the card so that necessary actions can be taken.
Regarding contactless cards, Visa said in a statement that “contactless cards have numerous layers of security built into them, both at the bank level and the network level. Card networks employ various security measures and protocols to pre-empt, identify, and flag suspicious transactions for banks to act upon.”
Regarding whether the cards can be cloned or not, Visa said in a statement that EMV-compliant chip-based contactless cards are “almost impossible to clone.” Nonetheless, as a prudence measure, consumers should use their bank’s card control functions to disable all contactless features of the card and block its access as soon as the customer notices the card missing.
What Should You Do For A Safe Banking Practice?
You should note down your bank’s customer service number or card hotlisting number and always keep a track of your bank balance. In case you have lost your debit/credit card, immediately open your mobile banking/Netbanking apps and website to access your bank’s card control management. Then you should disable all functionality of the respective card, including the contactless option (if you have that).
Redeem Offers, Check Balance & More! 5 Facilities You Can Get With SBI Credit Card Netbanking
If you have a good internet connection, you can get easy and instant access to the SBI net banking facility. By registering for the SBI credit card net banking option, you can use several other online services and facilities. Some of them include accessing your credit card transaction details, checking your credit card balance, redeeming offers, paying your bills, etc.
Here is everything you should know about SBI credit card net banking, including SBI credit card login details, facilities provided by SBI credit card net banking, etc.
Steps to Register an SBI Credit Card for Net Banking Services
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You should complete your SBI net banking registration before entering the SBI credit card login stage. Here are the steps you should follow.
- Log in to your SBI credit card.
- You can locate the “Register Now” button under the “Login” option. Click it.
- when the SBI Card Online page was opened. Enter the information, including the SBI credit card number, CVV, and birthdate. Then, select “Proceed.”
- To the mobile number you have on file, an OTP will be issued. Enter this OTP to verify your login. Once more, press “Proceed.”
- Now, you will be led to a new page where you have to select the unique user ID and the password set for your credit card.
- Click “Confirm” after adding the ID and password.
Your credit card will be registered for SBI net banking services now.
Steps to Login to Your SBI Credit Card Account
These are the steps you need to follow in order to log in to your SBI credit card account.
- Visit the SBI credit card login page.
- Enter the user ID & password you had set for your SBI credit card during registration.
- Now, log in to the account by clicking the ‘Login’ option.
You will be logged into your SBI credit card net banking services. You can also access these services via the SBI net banking app available on both iOS and Android platforms.
Facilities Provided by SBI Credit Card Net Banking
Let us check out the 5 important facilities provided by the SBI credit card net banking services here.
1. View Credit Card Transaction Details
You can view your SBI credit card transaction details online if you have registered for SBI net banking services. Follow the steps given below to check your transaction details.
Step 1: Visit the SBI credit card login page.
Step 2: Enter your user ID and password and log in to your account.
Step 3: On the main menu, click on the ‘My Account option.
Step 4: Now, click on the ‘Account Details’ option, and choose the ‘Card Statement’ option from the menu that appears.
Step 5: Click on ‘View Statement’ and post-viewing, you can also download it by clicking on the ‘Download’ button.
2. Transfer Funds and Pay Bills
Now, you can pay any of your bill dues on time from your SBI account, without having to stand in long queues. It includes paying your SBI credit card bill too.
Step 1: Visit the SBI credit card login page.
Step 2: Enter your user ID and password and log in to your account.
Step 3: On the main menu, click on the ‘Bill Payments’ option.
Step 4: Now, go to the ‘Without Bills’ section.
Step 5: Choose the SBI credit card as the biller and select ‘Pay’.
Step 6: Select the SBI account number and enter the amount.
Step 7: Now, click on ‘Pay Now.
Step 8: Click on ‘Submit’ and your payment will be done.
The successful payment will be instantly reflected on your SBI credit card account.
3. Redeem SBI reward points
You get reward points and other benefits when you shop using an SBI credit card – from dining and shopping to travel-related spending. Once relevant reward points are accumulated, you can pick out products from a special catalog of rewards. These rewards include lifestyle, electronics, home decor products, and shopping and travel-related vouchers.
Redeeming reward points you have collected on your SBI credit card transactions is easy. Visit the SBI card rewards page on the website and redeem your points through the convenient online process.
4. Check Credit Card Limit and Balance
If you have registered for SBI credit card net banking services, you can check your credit card limit and balance in a few simple steps. They are:
Step 1: Visit the SBI credit card login page.
Step 2: Enter your user ID and password and log in to your account.
Step 3: When your account page opens, you will find the credit card account summary. It includes the credit limit, cash limit, outstanding balance on the credit card, and previous payment details.
5. Block Credit Card in Case of Loss/Theft of Card
In case your credit card is lost or stolen, you can block the card easily through net banking.
Step: 1 Visit the SBI credit card login page as the first step.
Step 2: Log in to your account by providing your user ID and password.
Step 3: Select “Block Lost or Stolen Card” from the menu.
Step 4. Enter the credit card number you want to block in
Step 5: Choose the cause of the obstruction and press “Proceed.”
You can now take advantage of the advantages and use your SBI card to the fullest extent now that you are aware of the five facilities you may obtain with an SBI credit card.
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