sbi uk travel card

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How to get SBI multi-currency foreign travel card explained

Sbi multi-currency foreign travel card is a smart way to carry money when travelling abroad.

State Bank Multi-Currency Foreign Travel Card is a prepaid currency card that can be pre-loaded with money in up to seven currencies and then used at ATMs and merchant points abroad. The card is a smart way to carry money when travelling abroad. Using this card, customers can withdraw cash from over 2 million ATMs and pay for goods and services in shops, restaurants and hotels at 34.5 million merchants worldwide.

Features and benefits:

· Chip and PIN protected prepaid travel card

· Multiple currencies on one card

· Additional card available for backup

· 24/7 global assistance with free replacement of card if it is lost or stolen

· No information of bank account is required to obtain or start using this card

· Reloadable until the expiry date on the card with a valid passport and Form A2 available from all branches of SBI

How to procure State Bank Multi-Currency Foreign Travel Card

Existing as well new customers of SBI can avail these cards by either visiting the nearest branch of SBI or by logging on to the SBI website. This card is easily available with more than 1,100 branches offering it.

Customers can avail of the following services using the Travel Card:

· Online management of card with secure visibility of balances and transaction details

· Services like ATM locator can also be availed using this card

· With this travel card, users can lock in the exchange rates on their currencies each time they reload the card

· The card can be loaded with US Dollars, British Pounds, Euros, Singapore Dollars, Australian Dollars, Canadian Dollars and UAE Dirham

· In case of insufficient funds in a currency to pay for a transaction, the balance automatically gets deducted from other available currencies on the card.

· Customers can avoid exchange rate fluctuations and variances while you’re abroad

· Clear and transparent charges give you the control to manage your budget

· In case of lost or stolen cards, the Services team offers emergency cash replacement of up to the balance available on the card

· A minimum amount of US $200 can be loaded on the card

· Maximum amount that can be withdrawn from ATMs or spent at merchant points is US$10,000

· Only 1 active account can be held by a customer at any one time

· Some ATM operators and merchants may charge a withdrawal fee or set their own limits as per their rules and regulations

Secure your card by using the following steps:

· Signing at the back of the card as soon as it is received

· Memorizing the PIN

· The Multi-currency Travel Card is not linked to the bank account which is an additional safety feature in itself

· If the Card is still valid and the customer would prefer not to keep it for another trip, then the remaining balance can be withdrawn whilst abroad, from any ATM displaying the MasterCard Acceptance Mark

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State Bank Multi-currency Foreign Travel Card is issued by State Bank of India, pursuant to license by Mastercard Asia/Pacific Pte. Ltd. Mastercard is a registered trademark of Mastercard International Incorporated.

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State Bank Multi-Currency Foreign Travel Card

State Bank Multi-Currency Foreign Travel Card is a prepaid forex card by SBI. As it is a prepaid card, unlike credit cards, it has to be loaded before it can be used for making purchases. As the name of the card itself suggests, it is a multi-currency card, i.e. it can be loaded in 7 different currencies including some of the most widely used ones like USD, Euro, Dirham, etc.

Although there is no annual fee chargeable for the card’s membership, an initial issuance fee of Rs. 100 (plus GST) is to be paid at the time of issuance of the card, which is comparatively lower than that for the forex cards by the likes of HDFC and Axis Bank. Read on to learn more about this prepaid card by SBI.

Joining Fee

Renewal fee, best suited for, reward type.

Reward Points

Welcome Benefits

Movie & dining, rewards rate, reward redemption.

The card can be loaded in 7 foreign currencies and no mark-up fee applicable on transactions made in the currency loaded on the card.

Domestic Lounge Access

International lounge access, insurance benefits, spend-based waiver, rewards redemption fee, foreign currency markup.

Cross currency usage fee of 3% of the transaction amount on transactions made in a currency other than the one loaded on the card

Interest Rates

Fuel surcharge, cash advance charges.

USD 1.75 on every transaction (or its currency equivalent)

• Can be loaded in 7 widely accepted currencies including USD and EUR.
• Accepted at all international retail outlets and online portals accepting MasterCard credit/debit cards.
• Card reloadable at any of the FTC (Foreign Travel Card) issuing branches.
• Chip and PIN Card with support for contactless payments.
• No foreign currency mark-up fee on transactions made in the currency loaded on the card.

State Bank Multi-Currency Foreign Travel Card Travel Benefits

• The card can be loaded in 7 different widely used currencies-  USD, Euro, Pound, Singapore Dollar, Canadian Dollar, UAE Dirham, and Australian Dollar.
• No foreign currency mark-up fee charged on transactions made in the currency loaded on the card.

Fees and Charges

• You have to pay an initial fee of Rs. 100 (plus GST) at the time of card issuance. No annual membership fee is applicable on the card.
• A reloading fee of Rs. 50 is chargeable every time the card is reloaded.
• No foreign currency mark-up fee is applicable on transactions made in the currency loaded on the card. However, a cross-currency usage fee of 3% of the transaction amount is chargeable on transactions made in a currency other than the one loaded on the card.
• An ATM withdrawal fee of USD 1.75 is charged every time the card is used for cash withdrawal from an ATM.

Loading/Reloading State Bank Multi-Currency Foreign Travel Card

State Bank Multi-Currency Foreign Travel Card can be reloaded by visiting any of the FTC (Foreign Travel Card) issuing SBI branches and submitting the prescribed application form along with form A2 and copies of your passport and PAN Card.

You can also authorize any of your family members to reload your Foreign Travel Card while you are on an international trip. The family member will be required to produce an authorizing letter duly signed by you along with copies of your passport and PAN card when they visit an SBI branch to reload your card.

Supported Currencies

State Bank Multi-Currency Foreign Travel Card can be loaded/reloaded in any of the following seven currencies- USD, Euro, Pound, Singapore Dollar, Canadian Dollar, UAE Dirham, and Australian Dollar.

How to apply for State Bank Multi-Currency Foreign Travel Card

You can apply for the State Bank Multi-Currency Foreign Travel Card by visiting your nearest FTC (Foreign Travel Card) issuing SBI branch (see a detailed list of all FTC issuing branches here ). You will need to submit copies of your passport and PAN card at the time of applying for the card.

State Bank Multi-Currency Foreign Travel Card can be a good alternative to credit cards if you are going on an international trip as it can be loaded in seven different foreign currencies with no mark-up fee chargeable on transactions made in the currency loaded on the card. It can also be the card of choice for students going abroad for studies as being a prepaid card, one can get it issued without submitting any proof of income. What do you think of this prepaid forex card by SBI? Do let us know in the comments. If you’ve used this card, feel free to share your experience.

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SBI Foreign Travel Card: Full list of fees, charges, variants and currency reload limit in 2023

State bank foreign travel card variants, fees and transaction charges in 2023: state bank of india is offering prepaid multi-currency foreign travel cards that you can use to make your foreign trips trouble-free and convenient..

State Bank Foreign Travel Card variants and transaction charges in 2023: State Bank of India is offering a prepaid foreign travel card that you can use to make your foreign trips trouble-free and convenient.

The State Bank Foreign Travel Card offers a convenient way of carrying cash across the world, except in India , Nepal and Bhutan. Read below for details about eligibility, supported foreign currencies, reload limit, and different variants of this card.

State Bank Foreign Travel Card (SBFTC) variants

State Bank Foreign Travel Card is available in two variants.

• On the Visa platform, this card is available as a single currency card in eight international currencies. The supported currencies are US Dollars(USD), Pound Sterling (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Japanese Yen (JPY), Saudi Riyal (SAR) and Singapore Dollar (SGD).
• On the MasterCard platform, SBFTC is available as a multi-currency card in seven foreign currencies – US Dollars(USD), Pound Sterling (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Singapore Dollar (SGD) and UAE Dirham (AED).

State Bank Foreign Travel Card: Eligibility

Any resident individual in India who wants to travel abroad, except Nepal and Bhutan, can apply for State Bank Foreign Travel Card, according to the SBI website.

State Bank Foreign Travel Card: How to apply

You can apply for SBI Foreign Travel Card online by visiting https://prepaid.sbi website. You can also apply for this card offline by visiting an authorised SBI branch.

State Bank Foreign Travel Card: Fees and charges

Who should apply for SBI Foreign Travel Card?

The State Bank Foreign Travel Card may be useful for anyone travelling abroad as it reduces the need to carry cash or go through the hassles of going around money changers for encashing traveller’s cheques. With the help of this card, travellers will be able to save the money lost in exchanging currencies. Travellers can use this card for making payments during shopping, dining or visiting places without worrying about carrying or losing cash.

Also Read: SBI Credit Card fees and charges 2023

SBI website says that this card reduces the need to pay annual fees, joining fees, credit limit etc. usually linked with international credit/debit cards.

(Disclaimer: The above content is for information purposes only. Fees and charges are subject to change. Therefore, please verify the details with the bank before applying).

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SBI Card MILES

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Get exclusive benefits on your SBI Card MILES

Welcome Gift

• Get 1,500 Travel Credits as Welcome Gift
• 1,500 Travel Credits will be credited on spends of ₹ 30,000 within 60 days of card issuance

Miles Rewards

• Earn 2 Travel Credits for every ₹ 200 that you spend on travel
• Earn 1 Travel Credits for every ₹ 200 on all other spends
• Convert your Travel Credits into Air Miles / Hotel Points, Travel Bookings or choose from a wide array of Catalogue Products
• Click Here to view the list of Travel Partners and T&Cs
• 1 Travel Credit = ₹1 for Air Mile / Hotel Point
• 1 Travel Credit = ₹0.50 for Travel Bookings
• 1 Travel Credit = ₹0.25 for Shop & Smile Product Catalogue

Milestone Benefits

• Get additional Domestic Lounge visit with every spend of ₹ 1 Lakh
• Earn 5,000 Bonus Travel Credits on annual spends of ₹5 Lakh
• Enjoy Annual Fee reversal on spends of ₹6 Lakh in a membership year
• To redeem additional lounge voucher, pls visit the link and follow steps:  https://sbicmiles.lkp.loungekey.com
• For every spend of ₹ 1 Lakh, Cardholder gets 1 complimentary Domestic Airport Lounge visit over & above the complimentary visits
• Domestic Airport Lounge visit is applicable to both the Primary Cardholder and a Guest. Additional lounge visits, based on spend milestones, are capped at 8 visits in a membership year

International Travel Privileges

• Get a complimentary Priority Pass Membership worth $99 and enjoy access to 1000+ International Airport Lounges worldwide
• Only Primary Cardholders are eligible for the Priority Pass Program
• Priority Pass Program is complimentary for the first 2 years
• All visits beyond the complimentary limit are chargeable at a usage fee of $27 + applicable taxes
• Call our helpline numbers: 18605001290 or 39020202 (prefix Local STD code) to receive your Priority Pass
• For the complete list of applicable lounges, click here

Domestic Travel Privileges

• Get 4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)
• To view the list of applicable lounges, Visit MasterCard , Rupay

Other Travel Benefits

• Enjoy the privilege of low Foreign Currency Mark-up Charge of 3.00% on International usage
• 1% Fuel Surcharge Waiver across all petrol pumps. (Govt. Service Tax extra as applicable)
• Maximum Surcharge Waiver of Rs. 250 per month, per statement cycle

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• 1,500 Travel Credits as Welcome Gift
• Travel Credits will be credited on spends of ₹ 30,000 within 60 days of card issuance

Travel Credits

• Tarvel Credits can be converted as per below rates into Air Miles, Hotel Points and Product Catalogue:
• Travel Credit = ₹0.50 for Travel Bookings
• Travel Credit = ₹0.25 for Shop & Smile Product Catalogue
• Travel Credits Accrual exclusion on Fuel, EMI, Wallet Upload, Property Rental, Utilities and Insurance categories

Spend Based Reversal

• Spend Based Reversal on Annual Spends of ₹6 Lac
• Fee reversal is preconditioned on fee levied during the renewal cycle

Milestone Benefit

• 5,000 Bonus Travel Credits on reaching annual spends of ₹5 Lakh
• Get additional access to Domestic Airport Lounge with every spend of ₹1 Lakh
• Additional Domestic Airport Lounge visit is applicable to both the Primary Cardholder and a Guest. Additional lounge visits, based on spend milestones, are capped at 4 visits in a membership year

Lounge Program

• 4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)
• 8 additional Domestic Airport Lounge visits, basis spends of every ₹1 Lakh
• This offer is brought to you by Mastercard and Rupay and is for limited period only. For Terms and Conditions, visit MasterCard and Rupay
• MasterCard/RuPay reserves the right at any time, without prior notice to add, alter, modify or change list of lounges under this program applicable for SBI Card MILES

Priority Pass Membership

• Complimentary Priority Pass Membership. 
• There are no complimentary visits for SBI Card MILES
• Priority Pass Membership fees is complimentary for first two cardholder membership years
• The standard membership of the Priority Pass Program is provided only to the primary cardholder of SBI Card MILES

Fuel Surcharge waiver

• 1% Fuel Surcharge waiver for each transaction between ₹500 and ₹4,000. Maximum Surcharge waiver of Rs.250 per statement cycle, per credit card account.

Contactless Advantage

• Daily purchases now made easy with SBI Card MILES. Simply tap your card at a secure reader to transact
• Fast & convenient: No need to hand over your card or look for cash / coins for everyday small ticket purchases
• Security: The card never leaves your hand during a Contactless transaction, significantly reducing the risk of card loss and fraud due to skimming (counterfeit). Even if the card is tapped multiple times at the reader, the unique security key feature of MasterCard will ensure that only one transaction goes through, thus making it more secure
• Please Click here to download the FAQ’s.
• Please Click here to download the list of Merchants enabled for transactions.

Worldwide Acceptance

• You can use your SBI Card MILES in over 24 million outlets across the globe, including 3,25,000 outlets in India
• Use your card to make payments at any outlet that accepts MasterCard/RuPay

Add-on Cards

• With SBI Card MILES, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18

Cash Access Across the World

• Withdraw cash from over 1 million ATMs across the globe
• With Flexipay, convert your transactions in in easy monthly installments. Just transact for Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
• Click  here to know more

Easy Bill Pay Facility

• Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your SBI Card Elite
• Click here to know more

Safe and Secure

• Get enhanced security against counterfeiting and skimming with the chip and pin enabled SBI Card MILES

Balance Transfer on EMI

• Save money while paying your credit card dues
• Transfer the outstanding balance of other banks’ credit cards to your SBI Card ELITE, to avail a lower rate of interest and pay back in EMIs
• Log on to sbicard.com with your user ID and password to take benefit of this service
• Click here to know more about Balance Transfer on EMI
• Annual Fee (one-time): Rs.  1499 + GST
• Renewal Fee (per annum): Rs.  1499 + GST
• Add-on Fee (per annum): Nil
• For information regarding fees and other applicable charges, please refer to the Most Important Terms & Conditions

Order of Payment Settlement

All payments made for a cardholder account will be settled in the order as mentioned in below link

Things to know

• Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
• All taxes would be charged as applicable on all the above Fees, Interest & Charges.
• The value proposition of the co-brand product may be funded jointly by SBI Card and the co-brand partner basis the financial arrangement between both the parties. Accordingly, there may be fee and revenue sharing between the two parties.

Your continued use of the card will be deemed acceptance of these amendments.

For assistance, please call SBI Card helpline at:

From BSNL/MTNL numbers    1800 180 1295

From all other numbers     39 02 12 12 Prefix your STD code if you use your mobile phone.

All information in this communication is correct as per September 2019 and is subject to change at the discretion of SBICPSL. SBI Card most important terms and conditions are also available at sbicard.com

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Using UK debit cards abroad

PayPal Editorial Staff

21 January 2024

Debit cards can be a convenient payment tool when at home — but how do they fare internationally?

This article includes tips, suggestions and general information. We recommend that you always do your own research and consider getting independent tax, financial and legal advice before making any important decision.

While travelling abroad, discover if UK debit cards can be used internationally and explore additional information, including potential fees and security tips to consider.

Do debit cards work internationally?

A debit card is a payment method that can be used to purchase goods and services or draw money from Automated Teller Machines (ATMs). This type of card is linked directly to a savings or checking account and uses available funds to make payments.

A debit card can often be used overseas. However, cards may have varying terms, conditions, and international compatibilities. Individuals should check the conditions of their specific card before travelling.

Some potential advantages of using a debit card abroad include:

• Convenience:  Debit cards are widely accepted at ATMs and payment terminals worldwide.
• Safety:  A debit card may be a safe and secure alternative to carrying cash.
• Stay on top of spending:  Debit cards limit expenditures by only using available funds, which can avoid the prospect of credit card debt.

On the other hand, potential risks and disadvantages of using a debit card abroad include:

• Fees:  Depending on the conditions of a bank or debit card, international terminals may incur additional foreign transaction fees or ATM fees.
• Limited funds:  Available funds may have a daily limit.
• Less protection: Debit cards may be less guaranteed against fraudulent use or unauthorised payments.

International acceptance

Debit cards are generally accepted by many merchants, payment terminals, and ATMs worldwide. Before travelling, check the conditions of one’s debit card to ensure international acceptance.

Using ATMs abroad

Not all ATMs are the same. Depending on the bank or financial institution, ATMs may enforce fees for transactions or cash withdrawals.

To minimise the possibility of fees, check with the card issuer before initiating a transaction. Card issuers may also supply a list of available ATMs in one’s travel destination.

International fees for debit cards

Do debit cards have foreign transaction fees? Potential fees may include:

• Debit card foreign transaction fee:  Usually in the form of a percentage of the sale or withdrawal.
• Debit card currency conversion fee:  Enforced by the card supplier or issuing bank for processing payments made in different currencies.

It may be challenging to avoid these fees when travelling abroad. However, savvy customers can minimise them with smart strategies. For example, some banks and card issuers offer traveller-friendly debit cards or enjoy relationships with affiliate banks and providers that charge minimal or no fees when using their cards abroad.

Safety considerations

Protecting one’s finances is crucial to staying safe and secure while abroad. Some methods of precaution may include:

• Informing banks and card issuers of travel plans
• Monitoring transactions to avoid fraud
• Using a mix of different payment options

Informing the bank

Banks and card issuers typically monitor unusual transactions, especially ones conducted overseas without warning. To avoid a debit card being blocked or prematurely cancelled, notify the bank in advance and communicate travel dates and all future destinations where the card is likely to be used.

Card security and precautions

To safeguard a debit card while travelling, it is essential to keep track of all transactions as they are logged. Any suspicious activity can then be promptly communicated to the bank or card issuer.

Payment options while travelling

While debit cards can be useful and convenient, it is wise to carry a range of payment options when travelling overseas, such as credit cards, prepaid cards, and mobile payment apps like PayPal’s digital wallet . Learn more about PayPal fees .

Unlock international spending

Debit cards can be a reliable method of payment while travelling abroad. Plan before jetting off, read up on potential fees, and take the right precautions to ensure safety and security. Discover more ways to pay .

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