What to Do When Your SBI ATM Card Has Expired

If your SBI ATM card has expired, it is important to take immediate action to get a new one. Here's what you need to do to ensure smooth service and avoid any inconvenience.

Steps to Obtain a New SBI ATM Card

Here are the steps you can follow to obtain a new SBI ATM card:

Visit the SBI Branch

The most straightforward way to get a new card is to visit your nearest SBI branch. Bring your valid identification documents and any necessary documents such as your account number or proof of identity. Here is a checklist:

Valid identification (passports, driving license, etc.) Your account number Proof of identity (aadhar card, passport, etc.)

After providing these documents, the bank will process your request and usually deliver the new card within a few days to a couple of weeks.

Online Request

If you have SBI internet banking, you can log in to your account and request a new ATM card through the services menu. Here's how:

Log into your SBI internet banking portal. Navigate to the services menu. Select the option to request a new ATM card.

This method is convenient and saves you a trip to the branch. Be prepared to go through the verification process, which may require your personal identification details and account information.

Customer Care

If you prefer to speak with someone directly, you can call SBI customer care at 1800 11 2211 or 1800 425 3800 to report the issue and get guidance on how to proceed.

Mobile Banking

If you use the SBI YONO app, you can also request a new card through the app as follows:

Open the SBI YONO app and click on the three dot lines placed on the left side. Select the option to open the service request menu. Click on the Debit/ATM Card option. Follow the prompts to complete the service request.

This should lead to a new order of an ATM card, which will be delivered to you within 7 to 10 working days.

What to Do if Your Card Was Stolen

If your ATM card has been stolen, it is important to report it as soon as possible. Here's what to do:

Report the Card Stolen

Approach the bank and report the card stolen. They will immediately block it and send a replacement to you. You will receive a new card with a new expiry date, which is usually sent well ahead of the expiry date to prevent any disruption in service.

Don't Block Your Debit Card Prematurely

While blocking the card may seem like a temporary solution, it can lead to further problems. Blocking the card will not solve the underlying issue of multiple active cards. Here are the potential issues:

Card Blocking for No Reason: Banks, especially SBI, treat a blocked card as an active card from which transactions can still be made. This means you won't have to pay any charges for the blocked card. Problems with Card Type Requests: SBI only allows two active cards at any instant. If you attempt to request a new card type, the bank portal will show that there are two active cards in your name - the one you are currently using and the blocked one. This will prevent you from completing the request. Service Charges: When you try to issue a new card, you'll have to pay the new card issuance charges at the branch. Additionally, the blocked card will continue to incur service charges, and the new card you didn't receive will also be subject to service charges. This creates a loop where you end up paying twice and will eventually need to block that card, which restarts the cycle.

The most practical and beneficial way forward is to transfer any necessary funds to another account and continue using the card associated with that account. Track the status of your card using the tracking ID provided by the bank, and identify where it is stuck. Local post offices are often the culprit in these cases.

Conclusion

Taking the necessary steps to get a new SBI ATM card or report a stolen card is crucial. Following the above instructions will help you avoid the pitfalls of premature blocking and ensure a smooth experience with your SBI account.