State Bank of IndiaForex & prepaid travel card

SBI State Bank Foreign Travel Card

State Bank of India's reloadable foreign travel card with current Visa single- and multi-currency variants, overseas ATM/POS/e-commerce use, digital card controls and currency-specific prepaid balances kept separate from ordinary SBI debit-card international usage.

First-party evidencePublished researchReviewed September 10, 2026Active

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Issuance / reload / travel-card costsCurrent SBI page lists ₹100 + GST issuance, ₹50 + GST per reload, ₹100 + GST refund/cash-out and 3% + GST cross-currency usage. ATM withdrawal is USD 1.75 or equivalent per transaction; foreign ATM-owner charges can still apply.

Loaded currency walletsPrepaid foreign-currency balance loaded in INR and converted into the selected card wallet(s). Current Visa multicurrency structure supports up to nine currencies; the card is separate from the customer's ordinary deposit-account balance.

ATM / load / usage limitsCurrent SBI page lists daily card limits of 3 ATM withdrawals / USD 3,000 equivalent, 20 POS transactions / USD 10,000 equivalent and 20 e-commerce transactions / USD 10,000 equivalent, subject to card settings and regulatory/acquirer restrictions.

Prepaid card / funding / regulatory relationshipCan be obtained through SBI under the prepaid/forex-card relationship; it is not an SBI debit card and does not draw directly from the linked savings/current-account balance at purchase time.

Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

2 first-party sources

Last checkedSeptember 10, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: November 9, 2026.

How to verifyMethodology · Editorial policy

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Critical decision facts

Separate forex economics from overseas access and regulatory limits.

Markup, cross-currency conversion, ATM/POS usage, wallet funding and international controls can create very different travel costs.

01 · Issuance / reload / travel-card costsCurrent SBI page lists ₹100 + GST issuance, ₹50 + GST per reload, ₹100 + GST refund/cash-out and 3% + GST cross-currency usage. ATM withdrawal is USD 1.75 or equivalent per transaction; foreign ATM-owner charges can still apply.

02 · Loaded currency walletsPrepaid foreign-currency balance loaded in INR and converted into the selected card wallet(s). Current Visa multicurrency structure supports up to nine currencies; the card is separate from the customer's ordinary deposit-account balance.

03 · ATM / load / usage limitsCurrent SBI page lists daily card limits of 3 ATM withdrawals / USD 3,000 equivalent, 20 POS transactions / USD 10,000 equivalent and 20 e-commerce transactions / USD 10,000 equivalent, subject to card settings and regulatory/acquirer restrictions.

04 · Prepaid card / funding / regulatory relationshipCan be obtained through SBI under the prepaid/forex-card relationship; it is not an SBI debit card and does not draw directly from the linked savings/current-account balance at purchase time.

Exact product-type evidence

Forex & prepaid travel card evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Forex prepaid-card operating map

Loaded wallet, transaction currency and refund state are different economics.

A prepaid forex card locks the currency purchased at load time, but ATM fees, cross-currency use, wallet conversion, inactivity and cash-out can still add cost. Ordinary debit-card forex pricing never fills a prepaid-card evidence gap. Reviewed September 10, 2026.

Card format / currenciesCurrent 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.

Purchase / KYC eligibilityIndian 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.

Load / reloadLoaded/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.

Load / exchange-rate mechanicsThe 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.

Overseas ATM / cashCurrent 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.

POS / e-commerceCurrent 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.

Cross-currency usageSBI currently publishes a 3% of transaction amount + GST cross-currency charge when the transaction cannot be settled directly from the matching currency wallet.

Wallet conversionMulticurrency 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.

Issuance / reload / service 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.

Inactivity / expiryCard validity is governed by the expiry printed on the issued card. Current SBI page provides ongoing digital balance/statement/control access; legacy Mastercard schedules contain inactivity provisions, so variant-specific current terms should be checked before relying on an old inactivity figure.

Refund / closureCurrent SBI page lists ₹100 + GST refund/cash-out per request. Refund remains subject to applicable conversion, documentation and card terms.

Replacement / emergency supportCard 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.

FEMA / RBI controlsUse is for permitted foreign travel purposes under FEMA/RBI rules and the card is not for domestic India/Nepal/Bhutan use. Load/reload remains subject to the traveller's applicable foreign-exchange/LRS ceiling and purpose documentation.

Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Forex-card capabilitiesVisa multicurrency and single-currency variants, international ATM/POS/e-commerce use, SMS/e-mail alerts, YONO/YONO Lite/Internet Banking/OneView management, PIN/limit controls, blocking and reload capability.

Traveller / KYC eligibilityIndian residents travelling abroad other than Nepal/Bhutan, qualifying corporate employees and students, plus other eligible customers subject to KYC, passport/travel documentation and FEMA purpose rules.

Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Travellers who want an SBI prepaid travel balance with up to nine Visa currency wallets, branch/Internet-banking issuance support and YONO/OneView card controls rather than spending directly from a domestic bank account.

Verify before relying

Use the loaded transaction currency where possible; SBI currently applies a 3% + GST cross-currency charge when another wallet/network conversion is required.
Current SBI material distinguishes Visa multicurrency/single-currency and Mastercard multicurrency variants; currency counts and availability should be matched to the exact card issued.
ATM operators can impose their own surcharge or withdrawal limit in addition to SBI's card fee/limit.

Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

State Bank of IndiaSBI State Bank Foreign Travel CardHDFC BankHDFC Bank Multicurrency ForexPlus CardOpen comparison

Latest recorded review September 10, 2026Maintained pair Source-backed

Decision checks