NRI Family Card – FAQ

It is a prepaid card for use in India, which is issued to resident Indian (family member or dependent or beneficiary or any acquaintance of NRIs in India). Using this card, the card holder can now easily receive the remittance, by way of loading the amount in this card by NRI through his INB account with us.

Resident Indian (family member or dependent or beneficiary or any acquaintance of NRIs in India) can apply for this card. NRI account holder can then map it to his/her NRE / NRO Savings bank account with us through Internet Banking (INB) facility. Thereafter, , topping up of the card can be done through INB account by the NRI as and when needed.

1. Resident Indian Applicant (family member or dependent or beneficiary or any acquaintance of NRIs in India) may download the application from our website or obtain it from the SBI branch authorized to issue this card.
2. He / she will fill the application and submit it to the branch along with valid Identity and Address proofs.
3. If the applicant has opted for Personalized Card (i.e. bearing the name of the applicant), then branch will process it accordingly. Applicant has to be collect Personalized card from the branch after 12 working days from the date of request for the card. If it is a Non-Personalized card, then branch will deliver the card to applicant at the branch itself instantly.

Card applicant must be a resident Indian. Applicant has to fill an application form and needs to give one Identity and Address proof for KYC purposes. Following proofs are acceptable:

This card is available in both forms i.e. Personalized as well as Non-Personalized. If card applicant wants the card to be issued immediately, then he/she can opt for Non-Personalized card otherwise Personalized card can be opted, which has to be collected by the applicant from the branch after 12 working days from the date of request for the card.

The card provides convenience to NRIs for giving money to family member or dependent or beneficiary or any acquaintance of NRIs in India on a real time basis from anywhere in the world by using his NRE / NRO SB account with us. The top up of the card in India takes place on real time basis and the money is available to the beneficiary instantly.

For the card holder in India, no need of opening an account for receiving remittance from abroad. Top up of the card is immediate and the amount is available for use through three channels viz ATM, POS and Online spend, instantly.

It is an effective alternate means for the NRIs for sending remittances to their family members. Instead of sending remittances from abroad (for family maintenance or any other purpose) to the bank accounts of resident Indian (family member or dependent or beneficiary or any acquaintance of NRIs in India), NRIs can top up the amount to these cards from their existing NRE / NRO account using Internet banking facility.

1. Yes, it is possible to withdraw cash at any State Bank Group (SBG) ATM (free of charge) and by paying a charge at other bank’s ATMs. Cash withdrawal limit from State Bank ATMs is Rs.100/- to Rs.40,000/- per day.
2. You can use a NRI Family Card at any Point of Sale (POS) terminal at Merchant Establishments (shops, malls etc.) that accept VISA Cards up to Rs. 50,000 per day.
3. You can use a NRI Family Card at any online merchant site that accepts VISA Cards, for e-commerce transactions up to Rs. 50,000 per day.

No. The card is a domestic card and can be used for payment in Indian Rupee (INR) in India only.

No. NRI Family Card can only be obtained on request through select branches of the State Bank of India by physically visiting the branch.

Resident Indian (family member or dependent or beneficiary or any acquaintance of NRIs in India) has to visit one of the select SBI branch in India and get the card issued in his/her name. He has to then advise the card details to his NRI relative abroad. The NRI will register / link this card to his NRE / NRO Savings Bank account with us using Internet Banking Facility. Thereafter he can top up the card through his Internet Banking account. After top up, card holder can use it in India.

NRE / NRO Savings Bank account holder can link the NRI Family Card through their Internet Banking (INB) facility. However, one card can be registered / linked on any given day. The procedure is mentioned below:

1. Go to your Internet banking account
2. Click on ‘e-Cards’ in the menu bar
3. Click on ‘Prepaid Card’ on the left hand side panel
4. Click on ‘Register Prepaid Card’ and enter the card number as provided to NRI by the card holder

A NRI Family Card can be registered / linked to multiple NRE / NRO account at any given point of time. Multiple NRE / NRO account can belong to one NRI account holder or multiple NRI account holders also.

NRE / NRO Savings Bank account holder can top up the card online through their Internet Banking (INB) facility. The procedure is mentioned below:

1. Go to your Internet banking account
2. Click on ‘e-Cards’ in the menu bar
3. Click on ‘Prepaid Card’ on the left hand side panel
4. Click on ‘Top up Prepaid Card’ and enter the amount

NRE / NRO Savings Bank account holder can check the available balance in the registered NRI Family Card through their Internet Banking (INB) facility. The procedure is mentioned below:

1. Go to your Internet banking account
2. Click on ‘e-Cards’ in the menu bar
3. Click on ‘Prepaid Card’ on the left hand side panel
4. Click on ‘Prepaid Card Details’ and select the card number or nickname for which you want to check the balance

NRI can register / link as many NRI Family Cards as he/she wish for with his / her NRE / NRO account.

An individual can have only 1 (one) such card.

Presently, there are no issuance charges for NRI Family Card. However, charge amounting to Rs. 102/- (inclusive of service tax) will be applicable on cards issued from 01st April 2015.

Rs.10 (inclusive of service tax) will be charged at per instance of topping NRI Family Card.

Yes. There is a charge of Rs.102/- (inclusive of service tax) plus courier charges.

You can top up a NRI Family Card for a minimum of Rs. 100/- and a maximum of Rs.50,000/- at one instance. The balance on the card cannot exceed Rs. 50,000/- at any point of time.

1. Financial Transaction: Rs. 20/- per transaction.
2. Non-Financial Transaction: Rs. 9/- per transaction

Please Note: These charges are subject to change without prior notice.

No charges are levied by the Bank. However, some Merchant Establishments may impose a surcharge e.g. petrol pumps, railways, etc. which would be recovered from Cardholders.

You can top up a NRI Family Card any number of times.

A NRI Family Card can be topped up instantly at any time of the day/night.

1. Balance enquiry and view/download statement of card can be seen through the following link online: prepaid.onlinesbi.com Please enter the User ID and Password provided to the card holder at the time of issuance for logging in.
2. Card holder can do the balance enquiry, view statement and obtain mini statement for the transactions from any of the State Bank Group ATMs free of cost.
3. NRI account holder can also do the balance enquiry online after logging into their Internet Banking Account. The procedure is mentioned below:
   1. Go to your Internet banking account
   2. Click on ‘e-Cards’ in the menu bar
   3. Click on ‘Prepaid Card’ on the left hand side panel
   4. Click on ‘Prepaid Card Details’ and enter the card number as provided to NRI by the card holder

Cardholder will get SMS and Email alerts on the mobile number and email address provided in the application for the issuance of this card, upon every top up done in the card and on the usage of card at ATM / POS / online transactions.

NRI account holder will not get any alert on the usage of card. However, he/she may check the available balance online after logging into his Internet Banking Account. The procedure is mentioned below:

1. Go to your Internet banking account
2. Click on ‘e-Cards’ in the menu bar
3. Click on ‘Prepaid Card’ on the left hand side panel
4. Click on ‘Prepaid Card Details’ and enter the card number as provided to NRI by the card holder

NRE / NRO Savings Bank account holder can de-register /unlink the already registered NRI Family Card through their Internet Banking (INB) facility. The procedure is mentioned below:

1. Go to your Internet banking account
2. Click on ‘e-Cards’ in the menu bar
3. Click on ‘Prepaid Card’ on the left hand side panel
4. Click on ‘De-Register Prepaid Card’ and enter the card number as provided to NRI by the card holder

The card is valid for 10 (Ten) Years from the date of issue.

1. In case balance in the State Bank NRI Family Card is below Rs. 102 and the Card is not used for six months or is beyond expiry date, the entire balance will be forfeited and State Bank NRI Family Card will be closed.
2. In case balance in the State Bank NRI Family Card is above Rs 102 and the validity of the card has expired, then the balance less Rs.102 will be refunded to the bonafide cardholder on application.

1. If the card is lost or stolen, please immediately call us on our 24 hour toll free number 1800-11-22-11 / 1800-425-3800 to block the card.
2. Alternatively, card can be blocked by visiting the home branch.

Refund for residual amount, after card is blocked has to be obtained from the home branch from where card was issued.

Presently, NRI Family Card is available at selected branches only. List of branches is as under: