State Bank of India (SBI) offers a wide range of international debit cards that cater to different banking needs. Many of these cards come with contactless payment technology, making transactions faster and more convenient. However, users often search for SBI PayPass international debit cards or SBI PayWave international debit cards, which can create confusion.
PayPass and PayWave are terms used by Mastercard and Visa for contactless payment features. While SBI does not have specific cards named “PayPass” or “PayWave,” some of its SBI contactless debit cards support these technologies.
This blog will help you understand the different SBI international debit cards, their features, and how contactless payments work.
Table of contents
What are SBI International Debit Cards?
SBI offers various international debit cards that allow you to make transactions in India and abroad. These cards are linked to your savings or current account and can be used for ATM withdrawals, online purchases, and in-store payments worldwide.
Here are the key SBI international debit cards available for transactions abroad:
- SBI Virtual Debit Card – Best for online transactions.
- SBI Global International Debit Card – A general-use card for domestic and international transactions.
- SBI Gold International Debit Card – Offers higher withdrawal and shopping limits.
- SBI Platinum International Debit Card – A premium card with exclusive benefits.
- SBI My Card International Debit Card – Customizable card for personal use.
- SBI IOCL Co-Branded Contactless RuPay Debit Card – Comes with fuel benefits and rewards.
Many of these SBI debit cards feature contactless payment technology, allowing quick tap-and-go transactions at supported terminals.
Understanding PayPass and PayWave in SBI Debit Cards
The SBI PayPass and PayWave International Debit Cards are both contactless payment options offered by the State Bank of India (SBI), designed to facilitate quick and secure transactions for users, especially while travelling internationally.
- PayPass is Mastercard’s contactless payment technology.
- PayWave is Visa’s version of contactless payments.
SBI PayPass International Debit Card
The term “PayPass” is linked to Mastercard’s contactless payment technology. Many people search for the SBI PayPass International Debit Card, thinking it’s an official offering from the State Bank of India (SBI).
However, SBI does not provide a PayPass debit card. Instead, it offers the SBI PayWave International Debit Card, which allows contactless transactions.
SBI PayWave International Debit Card
The SBI PayWave International Debit Card operates on Visa’s payWave technology and offers similar functionalities to the PayPass international debit cards. It also allows contactless payments up to INR 5,000 without a PIN.
Key features include:
- Widespread Acceptance: Can be used at numerous international and domestic merchant locations.
- Contactless Functionality: Enables fast payments through NFC technology.
- Enhanced Security: Like the PayPass card, it includes an EMV chip for secure transactions.
- Rewards Program: Users earn reward points for every transaction, enhancing the overall value of using the card.
- Versatile Usage: Suitable for both online shopping and in-store purchases globally
SBI PayPass International Debit Cards vs SBI PayWave International Debit Cards
The major difference between SBI PayPass international debit card and SBI PayWave international debit card is that PayPass uses Mastercard debit cards for payments and PayWave uses Visa debit cards for payments.
| Feature | SBI PayPass | SBI PayWave International |
| Technology Used | Mastercard PayPass technology | Visa payWave technology |
| Payment Network | Mastercard | Visa |
| Global Acceptance | Widely accepted at Mastercard-enabled terminals worldwide | Widely accepted at Visa-enabled terminals worldwide |
| Availability | Not Available | Available |
Also Read: Discover the SBI YONO cash withdrawal limits. Learn about the maximum and minimum limits at ATMs, PoS, and more.
Types of SBI PayWave International Debit Cards
State Bank of India (SBI) offers a variety of international debit cards equipped with contactless payment technology, commonly referred to as PayWave (for Visa cards). These features enable quick and secure transactions by simply tapping your card at compatible point-of-sale terminals.
Below are some notable SBI international debit cards that support contactless payments:
SBI Global International Debit Card
The SBI Global international debit card is a popular Paywave debit card offered by the State Bank of India. It allows for worldwide transactions and is accepted at over 6 lakh merchant outlets in India and more than 30 million globally.
Contactless Feature: Equipped with EMV Chip technology, it supports contactless payments, enhancing security and convenience.
Rewards: Users can earn 2 Reward Points for every INR 200 spent. Additional bonuses include up to 300 points for the first three transactions within two months of issuance and double points during your birthday month.
Cash Withdrawal Limits: The SBI cash withdrawal limit is INR 40,000 per day and the Daily Point of Sales/ Online transaction limit is INR 75,000.
Charges: No issuance charges, Annual Maintenance Charges of INR 125 + taxes applicable.
SBI My Card International Debit Card
This SBI PayWave international debit card is a customizable card that reflects your personal style, allowing you to choose from a range of vibrant images.
Contactless Feature: Supports contactless payments, enabling quick transactions without the need to swipe or dip the card.
Usage: Ideal for shopping at merchant outlets and online platforms both domestically and internationally.
Cash Withdrawal Limits: The daily Cash ATM withdrawal limit is INR 40,000 and the Daily Point of Sales/ Online transaction limit is INR 75,000.
Charges: The card is issued at INR 250 + taxes and annual maintenance charges of INR 125 + taxes are applicable.
SBI IOCL Co-Branded Contactless RuPay Debit Card
This is a collaborative offering with Indian Oil Corporation Limited (IOCL). It provides additional benefits on fuel purchases.
Contactless Feature: Features contactless payment capability, ensuring swift transactions at fuel stations and other merchant outlets.
Rewards: Earn 6 Reward Points for every INR 200 spent at IOCL outlets and 2 points for the same amount spent elsewhere.
Cash Withdrawal Limits: The daily Cash ATM withdrawal limit is INR 40,000 and the Daily Point of Sales/ Online transaction limit is INR 75,000.
Charges: No issuance charges, Annual Maintenance Charges of INR 125 to INR 250 + taxes applicable based on the card variant.
Features of SBI Contactless Debit Cards
SBI offers several debit cards with contactless payment features. If you are looking for an SBI international debit card with contactless payment, check if it supports Visa PayWave or Mastercard PayPass.
Here’s why you should choose them:
- Quick Payments – Just tap your card on the machine, and the transaction is complete.
- Secure Transactions – The card does not leave your hand, reducing fraud risk.
- No PIN for Small Payments – For transactions below a certain limit, you don’t need to enter a PIN.
- Works Internationally – Use your card in different countries with contactless-enabled terminals.
Also Read: Know about savings account cash withdrawal limits. Learn how to effectively manage your savings and avoid restrictions.
How to Apply for an SBI PayWave International Debit Card?
Applying for an SBI PayWave International Debit Card is simple and can be done online through SBI Net Banking or by visiting a branch. Here’s a step-by-step guide to help you get your card.
- Visit your nearest SBI branch or log in to SBI Net Banking.
- Go to the Debit Card Services section.
- Select Request New Card and choose SBI PayWave International Debit Card.
- Follow the instructions and complete your request.
To sum up, SBI offers a wide range of international debit cards, many of which come with contactless payment features. While SBI does not label its cards as PayPass or PayWave, these technologies are available depending on whether the card is powered by Mastercard or Visa.
To choose the best SBI contactless debit card, check its international usability, spending limits, and additional benefits. Always verify the latest card details on the official SBI website before applying.
Do you have any questions about SBI international debit cards? Drop them in the comments!
FAQs
SBI International Debit Cards allow users to make transactions both in India and abroad. These cards are linked to your SBI savings or current account and can be used for ATM withdrawals, online shopping, and POS transactions worldwide.
No, SBI does not offer an SBI PayPass International Debit Card. If you are looking for a contactless SBI debit card, the best option is the SBI PayWave International Debit Card.
SBI does not have specific cards named SBI PayPass International Debit Cards or SBI PayWave International Debit Cards. However, some SBI international debit cards come with contactless payment technology using Visa PayWave features.
SBI PayPass International Debit Cards use Mastercard’s contactless payment technology, whereas SBI PayWave International Debit Cards use Visa’s PayWave technology. However, SBI currently offers only Visa PayWave-enabled debit cards.
Some SBI international debit cards that support contactless payments (SBI PayWave International debit cards) include:
– SBI Global International Debit Card
– SBI My Card International Debit Card
– SBI IOCL Co-Branded Contactless RuPay Debit Card
These cards allow tap-and-go transactions at supported terminals worldwide.
SBI contactless debit cards use Near Field Communication (NFC) technology. You can make payments by simply tapping your card on a contactless-enabled POS machine without entering a PIN for transactions up to INR 5,000.
To apply for an SBI PayWave International Debit Card, follow these steps:
– Log in to SBI Net Banking or visit an SBI branch.
– Go to the Debit Card Services section.
– Select “Request New Card” and choose an eligible SBI international debit card with PayWave technology.
– Follow the instructions and complete your request.
Yes, SBI PayWave International Debit Cards are secure as they use EMV chip technology, which provides better fraud protection. Also, since you don’t have to insert or swipe your card, the risk of skimming is reduced.
For SBI PayWave International Debit Cards, contactless transactions without a PIN are allowed for purchases up to INR 5,000 per transaction. For higher amounts, a PIN is required.
Yes, SBI international debit cards, including those with PayWave technology, can be used for online transactions in India and abroad. You need to enable international usage through SBI Net Banking or the YONO app.
To check if your SBI debit card supports contactless payments, look for the Wi-Fi-like contactless symbol on the card. If the symbol is present, your card supports PayWave (Visa) or PayPass (Mastercard) technology.
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