SBI Debit Card Security Features

SBI Debit Card Security Features That Every Customer MUST Use Today!

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Enhanced Security Features in SBI Debit Cards – Complete Customer Guide

Digital banking is growing rapidly, and so are online frauds. To keep your money safe, State Bank of India (SBI) offers strong and smart security features in its debit cards. These features let you Switch On/Off different types of transactions, set limits, control international usage, and even manage contactless (NFC) payments — all by yourself, anytime.

If you are an SBI customer, this guide will help you understand how to use these features easily using:

  • Internet Banking
  • YONO App
  • YONO Lite App
  • SBI ATM
  • IVR (Toll-free numbers)

Let’s simplify everything step by step.

1. What’s New in SBI Debit Card Security?

SBI has upgraded the security features of its debit cards to protect customers from unauthorized transactions.

Key Highlights

  • Newly issued/renewed/replacement debit cards are enabled only for Domestic ATM Cash Withdrawal and POS (Card Present) transactions.
  • Customers must manually enable E-commerce, International, and Contactless (NFC) usage.
  • You can Switch ON/OFF any usage type or channel anytime.
  • You can easily set or modify transaction limits yourself.

Also read-SBI Debit Card Insurance Benefits 2025: Accident Cover, Purchase Protection & Claim Process Explained

2. Usage Types & Channels You Can Control

Usage Types:

  • Domestic
  • International

Channels:

  • ATM
  • POS (Merchant Swipe)
  • E-commerce (Online Transactions)
  • NFC (Contactless Tap & Pay)

Each of these can be enabled or disabled instantly through multiple SBI banking platforms.

3. How to Manage Debit Card Security Using SBI Internet Banking

Step-by-Step Guide:

  1. Visit the SBI Internet Banking website and log in.
  2. Go to:
    E-Services → ATM Card Services → ATM Card Limit/Channel/Usage Change
  3. Select your Account Number and Debit Card Number.
  4. Choose the service you want:

Change Channel Type

Enable/Disable

  • ATM
  • POS
  • E-commerce (CNP)

Change Usage Type

Enable/Disable

  • Domestic
  • International
  • NFC

Modify Transaction Limits

  • Set ATM limit
  • Set POS/Online limit
  • Set NFC limit (Max ₹5000, multiples of ₹100)

This method is fast and perfect for those who use SBI Internet Banking regularly.

4. Manage Card Security Through YONO SBI App

Steps:

  1. Login using User ID & Password or MPIN.
  2. Go to:
    Service Request → ATM/Debit Card → Manage Card
  3. Select your Account and Card.

Switch ON/OFF Channels

  • ATM
  • POS
  • E-commerce
  • Domestic Usage
  • International Usage
  • Contactless (NFC)

Just slide the ON/OFF button — quick and convenient.

Manage Limits (Multiples of ₹5000)

  • ATM limit
  • POS/E-commerce limit

5. Manage Debit Card in YONO Lite (Mobile App)

Steps:

  1. Login with User ID/Password or MPIN
  2. Go to:
    Manage Cards → Manage Debit Card

You Can Switch ON/OFF:

  • Domestic Usage
  • ATM
  • POS
  • E-commerce (CNP)

Set Limits:

  • ATM Limit
  • POS/CNP Limit

To Enable Contactless Transactions:

Go to Manage Cards → Manage NFC
 Set/Modify NFC Limit (Max ₹5000 in multiples of ₹100).

6. Update Debit Card Settings Through SBI ATM

You can manage your card directly at any SBI ATM.

To Enable/Disable Channels or Usage

  1. Insert card → Select Banking
  2. Select Services
  3. Choose Update Channel/Usage/Limit
  4. Select:
    • ATM
    • POS
    • E-commerce
    • NFC
    • Domestic
    • International
  5. Enable/Disable → Enter PIN → Done.

To Set/Modify Limits

Follow the same steps, then select Limit Update and enter the new limits.

7. Use IVR (Toll-Free Number) to Manage Debit Card Security

Call SBI Toll-Free:
📞 1800 1234
 📞 1800 2100

To Switch ON/OFF Channels or Usage

  1. Press 2 for ATM/Debit Card services
  2. Press 6 for Switch ON/OFF
  3. Authenticate yourself using:
    • Last 5 digits of Account Number
    • Last 5 digits of Card Number
    • Year of Birth
  4. Choose:
    • International → 0
    • Domestic → 1
    • ATM → 2
    • POS → 3
    • E-commerce → 4
    • NFC → 5

You will receive an SMS & Email confirmation instantly.

To Set/Modify Limits

Select option 2 after entering ATM card services and follow instructions.

8. Why These Security Features Are Important

Protects your money from fraud
Gives you complete control over your card
You can instantly stop any suspicious activity
Helps avoid unauthorized international/online payments
You can limit your spending to stay within a safe boundary

These features make SBI debit cards safer than ever before.

Final Thoughts

SBI has empowered customers with advanced safety tools that are easy, quick, and user-friendly. Whether you want to switch off online transactions, disable international usage, or simply reduce your spending limit — you now have complete control.

Keep these settings handy and review them regularly to stay safe in the digital world.

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