| Currencies / wallet format | Current SBI page lists Visa Multicurrency SBFTC with 9 wallets: USD, GBP, EUR, JPY, CAD, AUD, SAR, SGD and AED; Visa single-currency is listed in 8 currencies and Mastercard multicurrency in 7. Exact issued variant controls. | Current ICICI multi-currency proposition supports 15 wallets: USD, EUR, GBP, AUD, CAD, CHF, JPY, AED, HKD, SGD, THB, SAR, SEK, ZAR and NZD. |
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| Purchase eligibility | Indian residents travelling abroad (excluding Nepal/Bhutan), eligible corporate travellers and students, subject to passport/PAN/travel proof, KYC and FEMA purpose documentation. Internet-banking application still requires branch processing/issuance. | Available through Internet Banking/iMobile/branch routes subject to current KYC/travel-purpose requirements. ICICI also maintains a non-savings-account-holder forex-card onboarding route with PAN, Aadhaar and passport requirements. |
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| Load / reload | Loaded/reloaded in INR and converted to selected foreign-currency wallet(s). SBI publishes branch plus YONO/YONO Lite/Internet Banking reload/management routes. Current reload fee: ₹50 + GST. | Account holders can buy/reload through Internet Banking or iMobile; non-account holders have dedicated digital/branch access. Current non-account-holder page states online reload up to ₹1.5 lakh/day including charges and processing within one working day. |
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| Exchange rate | The load/reload conversion uses SBI's applicable forex/card rate at the time of conversion. Preloading fixes the acquired wallet balance; a later cross-currency transaction can invoke network conversion plus the published cross-currency fee. | Foreign currency is purchased at ICICI's applicable forex/card rate at load/reload. Holding the matching wallet locks that purchased balance; a transaction in another billing currency invokes cross-currency conversion/fees. |
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| ATM cash | Current SBI page: USD 1.75 or equivalent per ATM withdrawal; daily ATM card limit USD 3,000 equivalent across up to 3 withdrawals. Overseas ATM owner fees/limits can be additional. | Currency-specific fees and daily limits. Current schedule includes USD 2 fee / USD 2,000 daily limit; GBP 1.50 / GBP 1,000; EUR 1.50 / EUR 1,500, with separate values for the other supported wallets. |
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| POS / e-commerce | Current page permits international POS and e-commerce. Daily reference limits are USD 10,000 equivalent for POS and USD 10,000 equivalent for e-commerce, each up to 20 transactions, subject to settings/regulatory updates. | Current ICICI FAQ states POS and online transactions in the same currency as the loaded card wallet carry NIL transaction fee. Online usage must be enabled through the supported card-management channel. |
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| Cross-currency | SBI currently publishes a 3% of transaction amount + GST cross-currency charge when the transaction cannot be settled directly from the matching currency wallet. | 3.5% + GST for transaction types where billing currency differs from the card currency, per current schedule/FAQ. |
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| Wallet conversion | Multicurrency cards can hold several separate currency balances. When a matching wallet is unavailable/insufficient, applicable card/network conversion rules and cross-currency charges govern; wallet priority depends on the issued variant. | Current schedule publishes a wallet-to-wallet transfer fee of 2.5% of transfer amount, charged from the destination wallet. |
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| Fees | ₹100 + GST issuance; ₹50 + GST reload; ₹100 + GST refund/cash-out; ₹100 + GST add-on card (up to 2 where allowed). Transaction-specific ATM/cross-currency charges remain separate. | Issuance/joining fee depends on selected forex-card variant. POS/online same-wallet fee is NIL; cross-currency, ATM, wallet conversion, replacement and other service fees remain separately published. |
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| Refund / closure | Current SBI page lists ₹100 + GST refund/cash-out per request. Refund remains subject to applicable conversion, documentation and card terms. | Remaining forex balance can be refunded back to the eligible bank account/current settlement route. Refund/closure conversion and charges are governed by the current schedule and card terms. |
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| Replacement / emergency | Card can be blocked through OneView/YONO-linked controls and SBI's prepaid support. Add-on/replacement treatment depends on exact variant; do not reuse legacy Mastercard replacement terms for Visa without confirmation. | Current schedule lists international lost-card replacement at USD 20. Digital card controls allow blocking/unblocking and PIN management; overseas support uses ICICI's card/customer-care channels. |
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