Q. When ATM-cum-Debit card is lost or misplaced what immediate steps are to be taken?

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1 (FAQ) ATM SERVICES Q. Who can apply for ATM-cum-Debit Card? A. Any individual account holder having Savings Bank or Current Account, single, or joint account operated as Either or Survivor / Former or Survivor / Later or Survivor/ Anyone or Survivor / Pensioners, NRE account holders. Our Bank has also started issuance of Business Debit card to Business segment customer.(for details visit Branch) Q. When and where will I receive my ATM-cum-Debit Card and PIN? A. You will receive your card at registered address given by you in Branch while account opening, directly by Speed post. Kindly collect your PIN from the card issuing branch after receipt of the card and carry your card / passbook as identity proof. Q. When ATM-cum-Debit card is lost or misplaced what immediate steps are to be taken? A. Following immediate steps may to be taken by the customer for blocking of card: - i. SMS Blocking : Block by sending SMS from your registered mobile number : BLOCK<space>**** to , where **** is the last 4 digits of State Bank Debit Card. ii. Online Banking Site : Block by using your Net banking. Login into Internet Banking and go to e-services tab-> ATM Card Services->Block ATM card->select Account->Select Card number to be blocked and click on Submit button. iii. Contact Center : Block using the 24*7 helpline call support on or Customer can call helpline and provide details required to block the ATM Card. Q. Can a replacement ATM card be issued in lieu of lost/damaged card? A. Yes, Replacement ATM card is issued at a nominal charge of Rs.207/-. Q. If lost card is subsequently found/traced and restored to cardholder, can it be reactivated? A. Yes, the cardholder should make a written request to the card-issuing branch for unblocking the card.

2 Q. What is Fast Cash? A. It is withdrawal of pre-specified amount. At present Rs.100/- or Rs.200/- or Rs.500/- or Rs.1000/- or Rs.2000/- or Rs. 3000/- or Rs.5000/- or Rs.10000/- can be withdrawn from a primary account to be designated by the customer Q. What is Cash Withdrawal? A. Card holder can withdraw minimum of Rs.100/-, maximum depends upon the card type but in multiples of Rs.100/- per day subject to availability of balance in the account. Q. What to do if you are getting the message on the ATM "INVALID CARD"? A. There could be a track problem with the card. First, the customer should try transaction on some other ATM on State Bank Group Network, and if he is getting the same message, the card has to be replaced. Q. Does Bank bears any liability for unauthorized use of the Card? A. No. The responsibility is solely vested with the cardholder. Q. What is Mini Statement? A. It is statement of account showing last 5 transactions, in the account. Q. Is the facility available at all the time? A. No, Statement of account can be obtained only when online link to customers account is available, i.e. CBS is on line otherwise it will give code 72. Q. How can the existing NRI customers apply for ATM-cum-Debit Cards? A. The existing NRI customers can make simple request to the branch concerned.

3 Q. How secrecy of PIN is maintained? A. If at any time customer feels that the PIN has been inadvertently or otherwise divulged to any one, he should change the same immediately. In your interest, we give some useful tips about safe keeping of your Card and precautions to be taken to prevent misuse / frauds. Q. How often PIN can be changed? A. PIN can be changed as often as required at State Bank ATMs. This is to maintain secrecy and prevent any misuse of the ATM-cum-Debit card. Q. What are the transaction limits for International Cards? A. Transaction limit of USD 1000 each per day per account for withdrawal of cash from ATM and purchases up to USD 1000 at POS terminal separately is permitted (i.e. total permissible withdrawal at POS terminals and ATMs will be USD 2000 per day.). However, transactions should be within limits as per RBI guidelines, which are likely to change from time to time. Q. Is Bank responsible for the refusal by any Merchant Establishment (ME) or Point Of Sales to accept or honour the card? A. No. Nor is the Bank responsible in any respect for the goods or services supplied to the cardholder Q. How Can I make my SBI Credit Card payments through State Bank ATMs? A. If you are a State Bank ATM Card holder you can make your SBI credit card payments at over 1464 State Bank ATMs. Just follow these simple steps below: - Registration: - Insert your ATM card Select the option " Services " Select the option " Bill Pay" Select the option " SBI Credit Cards" Select the option "Credit Card Registration ", enter the desired SBI Credit Card Number

4 Your SBI Credit Card Registration request would be sent for processing. Registration is a one-time activity. After completing the registration, you will have to wait for one working day/ 24 hours, to make a payment. Payment: - You can make the SBI Credit Card Payment at any State Bank ATM from the next working day. Insert your ATM card Select the option " Services " Select the option " Bill Pay" Select the option " SBI Credit Cards" Select the option " SBI Credit Payment" On accessing the SBI Credit Card Menu, select the SBI Credit Card you wish to pay for. You would be able to view the last 7 digits of the successfully registered SBI Credit Cards. Enter the amount that you wish to pay, please enter the amount in round figures only Select "Pay" to debit your State Bank Saving Bank/Current Account. Note : - In case if you wish to deregister a SBI Credit Card, select the "Deregistration" option. Please ensure you make your payments 4 days before the payment due date on your SBI Credit Card bill to enable us to process your payment and update your account. Q. How many banks' ATMs are available for withdrawal through State Bank ATM-Cum- Debit Card and what are the charges for usage of ATM Card? A. In order to increase the convenience of our customers, the Bank has entered into arrangement for multilateral sharing of ATM network with 59 Banks under NFS. Besides this our customers have access to ATMs of all other banks displaying Master Card/ Maestro/VISA/Rupay logo across the country/ abroad.as such all our customers who are holding ATM-Cum-Debit Card can use any of their ATM. The Transaction cost on these ATMs is as under: - AVERAGE MONTHLY BALANCE, Savings Bank Transactions Charge : New Charges proposed based on number of Transactions NON MONTHLY LIMIT ON NUMBER FINANCIAL TRANSACTIONS) OF DEBIT TRANSACTIONS MONTHLY LIMIT ON NUMBER OF FREE ATM TRANSACTIONS (BOTH, FINANCIAL AND NON FINANCIAL TRANSACTIONS) Other Banks' Own Bank ATMs (SBG)

5 Branch Based Internet/Mobile, Banking ** In 6 Metro Centres $ Other Centres Any Centre < Rs >Rs 1000 upto Rs 25, >Rs 25,000 upto Rs 50,000 >Rs 50,000 upto Rs 1,00, free 3 5 Unlimited 15 free 3 5 Unlimited > 1,00,000 No limit Unlimited Unlimited Unlimited Charges for financial Rs.20/- Rs.5/- Rs.20/- Rs.20/- Rs.5/- trxns beyond the set limit, (Rs per transaction)* Charges for nonfinancial Trxns beyond the set - - Rs.8/- Rs.8/- Rs.5/- limit, (Rs per transaction)* $ Namely, Mumbai, New Delhi, Chennai, Kolkata, Bangalore and Hyderabad. Metro Adjoining areas to be included in the Metro Mumbai Navi Mumbai and Thane New Delhi Gurgaon, Noida, Ghaziabad and Faridabad Kolkata Howrah, North and South 24 charge will not be applicable to small/no frill/basic Savings Bank Deposit Account holders. These customers will continue to get 5 free transactions, irrespective of the centre, as hitherto. * Charges are exclusive of Service Tax. **S.I fed through INB/Mobile banking will be excluded from this list. Q. I paid my shopping bill at Merchant Establishment (POS). My account has been debited twice/account debited but the transaction was unsuccessful. What is the procedure to get the refund for such transaction? You can lodge complaint in our website or contact your home branch to give them the written complaint for further action. Q. After how many days will I get my money back? A. As per RBI guidelines, the customers account should be credited within 7 working days from the date of the complaint in case of cash related complaints however POS complaints need to be resolved within 45 days..

6 Q. I was not aware about 30 day's time frame for lodging complaint. So can I lodge the same now i.e. after 60 days? Are there any chances that I will get my money back? A. The claim can be lodged after 30 days from date of transaction in good faith. Credit will be provided to the customer account only after recovery acceptance from the acquiring bank and thus Bank will not be liable to pay back the amount. Enjoy the convenience of cashless shopping with State Bank Classic Debit Card and earn FreedomRewardz points on your purchases. With your State Bank Classic Debit Card you get access to your account whenever and wherever you want. You can use it to purchase goods at merchant establishments, for making payment online and withdraw cash in India. Benefits of State Bank Cards For shopping at over 5 lakh merchant outlets in India. For booking movie tickets, bill payments, travel and other online purchases and payments over the internet using secure Master Secure Code/Verified by Visa. For withdrawing cash from State Bank Group ATMs or other ATMs in India. State Bank Debit Card Loyalty Program:(FreedomRewardz) : Customer can earn reward points for doing transaction online. These FreedomRewardz Points earned can be accumulated and

7 redeemed for exciting gifts. Please visit for more information. SMS Alert for Better Tracking Get instant SMS alerts for all Cash withdrawal/purchase transactions/online transactions made on your State Bank Classic Debit Card. CARD VARIANTS FOR SAVINGS & CURRENT ACCOUNTS 1) State Bank Classic Debit Card

8 Type of Card Daily Cash Limit at ATMs Daily PoS Limit Issuance Charges Annual Maintenance Fees Domestic (valid in India) Minimum: Rs.100/- Maximum: Rs 40,000/- Minimum: Rs.100/- Maximum: Rs 50,000/- Nil Rs.114/- per annum from second year of issue (Subject to revision by Bank) State Bank Classic Debit Card earns 1 FreedomRewardz point (Reward point) for every Rs. 200/- you shop, dine out, fill fuel, book travel or spend online. Earn Bonus points on the first three purchase transactions using your State Bank Classic Debit Card as under: 50 Bonus FreedomRewardz points on first purchase transaction within completion of 50 additional Bonus FreedomRewardz points on first purchase transaction within completion of 100 Bonus FreedomRewardz points on third purchase transaction within completion of Continue using your State Bank Classic Debit Card for at least 3 purchase transactions in a quarter and double your points earned for the quarter! 2) State Bank Global Debit Card

9 Type of Card Domestic & International Daily Cash Limit at ATMs Domestic: Rs. 40,000/- International: Foreign currency equivalent of the daily Cash Rupee limit Daily PoS Limit Domestic: Rs. 75,000/- International: Foreign currency equivalent of the daily Purchase Rupee limit Issuance Charges Nil Annual Maintenance Fees Rs.171/- per annum from second year of issue (Subject to revision by Bank) State Bank Global International Debit Card earns 1 FreedomRewardz point (Reward point) for every Rs. 200/- you shop, dine out, fill fuel, book travel or spend online. Earn Bonus points on the first three purchase transactions using your State Bank Global International Debit Card as under: 50 Bonus FreedomRewardz points on first purchase transaction within completion of 50 additional Bonus FreedomRewardz points on second purchase transaction within completion of 100 Bonus FreedomRewardz points on third purchase transaction within completion of Continue using your State Bank Global International Debit Card for at least 3 purchase transactions in a quarter and double your points earned for the quarter! 3) State Bank Gold International Debit Card

10 Type of Card Domestic & International Daily Cash Limit at ATMs Domestic: Rs. 50,000/- International: Foreign currency equivalent of the daily Cash Rupee limit Daily PoS Limit Domestic: Rs. 2,00,000/- International: Foreign currency equivalent of the daily Purchase Rupee limit Complimentary Personal Accident Insurance to the extent of Rs.2,00,000/- insurance Purchase Protection to the extent of Rs. 5,000/- for theft/damage up to 90 days from the date of purchase in respect of transactions carried out at point of sale/merchant establishment. Issuance Charges Annual Maintenance Fees Nil Rs.171/- per annum from second year of issue (Subject to revision by Bank) State Bank Gold International Debit Card earns 1 FreedomRewardz point (Reward point) for every Rs. 200/- you shop, dine out, fill fuel, book travel or spend online. Earn Bonus points on the first three purchase transactions using your State Bank Gold International Debit Card as under: 50 Bonus FreedomRewardz points on first purchase transaction within completion of 50 additional Bonus FreedomRewardz points on second purchase transaction within completion of 100 Bonus FreedomRewardz points on third purchase transaction within completion of Continue using your State Bank Gold International Debit Card for at least 3 purchase transactions in a quarter and double your points earned for the quarter!

11 4) State Bank Platinum International Debit Card Type of Card International Daily Cash Limit at ATMs Domestic: Rs. 1,00,000/- International: Foreign currency equivalent of the daily Cash Rupee limit Daily PoS Limit Domestic: Rs. 2,00,000/- International: Foreign currency equivalent of the daily Purchase Rupee limit Complimentary Personal Accident Insurance to the extent of Rs.5,00,000/- insurance Purchase Protection to the extent of Rs. 50,000/- for theft/damage up to 90 days from the date of purchase in respect of transactions carried out at point of sale/merchant establishment. Issuance Charges Rs.300/- Annual Maintenance Fees Rs.228/- per annum from second year of issue (Subject to revision by Bank) State Bank Gold International Debit Card earns 1 FreedomRewardz point (Reward point) for every Rs. 200/- you shop, dine out, fill fuel, book travel or spend online. Earn Bonus points on the first three purchase transactions using your State Bank Gold International Debit Card as under: 50 Bonus FreedomRewardz points on first purchase transaction within completion of 50 additional Bonus FreedomRewardz points on second purchase transaction within completion of 100 Bonus FreedomRewardz points on third purchase transaction within completion of Continue using your State Bank Gold International Debit Card for at least 3 purchase transactions in a quarter and double your points earned for the quarter!

12 5) State Bank RuPay CARD Type of Card Domestic Issuance criteria Issued to accounts opened under PMJDY scheme. Normal Account holders can also apply for Rupay Card Daily Cash Limit at ATMs Domestic: Rs. 40,000 Daily PoS Limit Can be used at POS which are enabled for accepting Rupay Card Complimentary It covers Accident Death and Permanent disablement of the insurance account holder for Rs.1 Lac.A customer can claim benefits on 5 RuPay Cards simultaneously.he card should have been successfully used for a financial/non financial transaction within 45 days of the incident leading to the claim. Issuance Charges Nil Annual Maintenance Fees Waived off for first year

13 CARD VARIANTS FOR BUSINESS SEGMENT Welcome to the convenience of State Bank Business Debit Card! This Card has been specially designed keeping in mind business requirements of the Bank s Commercial Segment customers. The Card helps you to track and monitor business expenses, offering customers greater control over expenses. Business Benefits State Bank Business Debit Card can be used to make payments online (with 3D-Secure), pay business utility bills and purchase business essentials over the counter without the need for petty cash, withdraw cash at ATMs and deposit cash at Cash Deposit Machines. Ideal for Business Travel Besides booking travel tickets, this Debit Card also eliminates the need for Travellers Cheques and exchanging currency during international trips. Increased Security State Bank Business Debit Card is an EMV Chip-based Card that ensures highest level of security from Card frauds. Unsurpassed Acceptance This Debit Card is accepted at millions of suppliers worldwide making it a convenient way to pay. Great Discounts and Improved Business Saving State Bank Business Debit Card comes with a wide range of discounts including travel, dining, IT peripherals and other business essentials.

14 VARIANTS OF BUSINESS CARD 1. STATE BANK PRIDE(GOLD) Product Features State Bank Pride (Gold) Eligibility Criteria CA with balances < INR 5,00,000 or Loan limits of ( > = INR 1,00,000 < INR 25,00,000*) proprietorships, partnerships,public limited companies and private limited companies Daily limits- Cash (INR) 100,000 Daily limit- POS (INR) 200,000 Rewards 4 points for every Rs. 100 spent Personal Accident Rs. 2 lakh Insurance Purchase Protection Rs. 5,000 on purchase protection for theft/damage up to 90 days from the date of PoS/ecommerce purchase. *The firm/corporate requires to open a current account on which the Debit Card will be issued.

15 2. STATE BANK PREMIUM(PLATINUM) Product Features State Bank Premium (Platinum) Eligibility Criteria CA with balances >= INR 5,00,000 or Loan limits of ( > =25,00,000*) proprietorships, partnerships, public limited companies and private limited companies Daily limits- Cash (INR) 200,000 Daily limit- POS (INR) 500,000 Rewards 5 points for every Rs. 100 spent Personal Accident Rs. 5 lakh Insurance Purchase Protection Rs. 50,000 on purchase protection for theft/ damage up to 90 days from the date of PoS/ e-commerce purchase. *The firm/corporate requires to open a current account on which the Debit Card will be issued.