Aperçu
La carte « SBM VISA Classic » , « SBM UPI Debit » et « SBM MasterCard Debit » vous dispense de la nécessité d’avoir toujours sur vous de l’argent liquide. Elle vous donne un accès direct et facile à votre argent, vous permettant d’effectuer vos achats et autres transactions.
- Aucuns frais.
- Notre carte est dotée d’une puce électronique qui vous assure le plus haut niveau de sécurité pour vos paiements par carte.
- Elle vous permet d’accéder à votre argent 24 heures sur 24 et 7 jours sur 7
- Acceptation à travers le monde par plus de 20 millions de points de vente et plus d’un million de guichets automatiques.
- Bénéficiez d’escomptes chez des partenaires privilégiés à Maurice.
- Elle vous permet aussi de recharger le crédit de votre téléphone portable grâce à notre service SBM TopUp
- Offres exclusives à travers le monde pour les clients UPI.
À l'ouverture du compte.
Est-ce que la carte de débit est gratuite ?
Oui, sauf pour le remplacement de cartes ou du code secret.
Notre carte de débit est-elle sécurisée ?
La carte de débit de la SBM est dotée d’une puce qui la rend totalement sécurisée. Si vous l’égarez, tout ce que vous avez à faire, c’est de téléphoner immédiatement à notre service clientèle pour les cartes sur le (230) 202 1256, numéro disponible 24 heures sur 24 et 7 jours sur 7 ou sur le (230) 207 0111 de 8 h à 18 h en jours de semaine et nous nous chargerons d’annuler votre carte.
Est-ce qu’un client doit avoir un compte à la SBM pour détenir une carte de débit ?
Oui, un compte d’épargne ou un compte courant est requis.
Peut-elle être utilisée sur des guichets automatiques autres que ceux de la SBM ?
Oui. La carte « SBM Debit » peut être utilisée à n’importe quel guichet automatique ou terminal électronique à travers le monde arborant le logo Visa ou MasterCard ou Cirrus ou UPI. Cependant, si la carte est utilisée à des guichets automatiques autres que ceux de la SBM, des frais interbancaires vous seront facturés.
Est-ce que le commerçant va me facturer des frais additionnels lorsque je règle avec ma carte ?
Non, le prix d’un article est le même que vous payez par carte ou en espèces.
Peut-elle être utilisée s’il n’y a pas d’argent disponible sur mon compte ?
Non, à moins de disposer d’un découvert bancaire autorisé sur un compte courant.
Est-ce qu’il y a une limite concernant le montant des retraits d’argent avec une carte de débit de la SBM ?
Le montant maximal que vous pouvez retirer est de 20 000 Rs (vingt mille) par jour. En outre, pour des raisons de sécurité, pas plus de 4 transactions aux guichets automatiques sont permises le même jour.
Est-ce qu’une limite de retrait plus élevée par jour peut être établie sur la carte ?
Oui, une limite individuelle plus élevée peut être considérée sur demande, par exemple lorsque vous voyagez à l’étranger. Cependant, vous devrez au préalable en faire la requête par écrit et l’adresser à l’une de nos succursales.
Est-ce qu’une carte de débit peut être utilisée pour des achats en ligne sur Internet ?
Oui. Néanmoins pour activer cette option, le client doit se rendre en succursale où un représentant de la banque fera le nécessaire. Pour plus de détails, veuillez consulter les conditions applicables (section 8).
Est-ce que les relevés vont indiquer toutes les transactions de la carte de débit ?
Oui. La banque vous fera parvenir par voie postale vos relevés sur une base mensuelle/trimestrielle.
Les clients qui se connectent à nos services bancaires via Internet peuvent aussi consulter leurs transactions en ligne ou ceux qui sont enregistrés pour les services de Mobile Banking peuvent consulter leur balance à travers leur téléphone mobile.
Est-ce que des cartes supplémentaires peuvent être émises pour un même compte ?
Non. Néanmoins, des cartes individuelles peuvent être émises à chaque personne d’un compte joint.
Est-ce que la carte a une date d’expiration ?
Oui. La carte « SBM Debit » est valable pour 5 ans et elle est automatiquement renouvelée à échéance.
Debit Card Limits
|
Description |
Limit value |
|
ATM Cash Disbursement Limit |
MUR 20,000.00 |
|
ATM usage limit card level |
4 times |
|
Online Cash deposit through ATM |
MUR 50,000.00 |
|
Number of daily ATM cash deposits |
6 times |
|
ATM Limit for funds transfer to other SBM Accounts or Cards |
MUR 50,000.00 |
|
ATM Limit for funds transfer to own accounts linked on same SBM Debit Card |
MUR 1,000,000.00 |
1. What is an E-Commerce Transaction?
An E-Commerce transaction refers to the online purchase of products or services paid using a Debit/Credit/Prepaid Card and a CVV (Card Verification
Value) number.
2. Who is eligible for making an E-Commerce transaction with his/her debit card?
All customers who hold a SBM Visa, Mastercard or UPI debit card and who have activated the E-Commerce feature on their debit card(s).
3. How can I make an E-Commerce Transaction?
The customer has to enter the 16-digit card number, the 3-digitCVV (Card Verification Value) number and the one-time-password (OTP), if required, to authorize payment. The CVV is a 3-digit number printed on the back of the Debit Card while the card’s expiry date is printed on the front.
4. Do I need to enter my PIN to make an E-Commerce transaction?
PIN is not required for E-commerce transactions. However, an OTP (One-time Password) will be required if purchases are done on a secured website.
5. Can I Change the CVV number?
No, the customer cannot change the CVV number.
6. What can I do if the CVV Number is not readable on my Debit Card?
The customer is advised to call at any SBM branch to apply for a new Debit card.
7. How will you receive the One-Time Password (OTP)?
On your mobile number or email address registered at SBM.
8. What should I do if I did not receive the One-Time Password (OTP) on my registered mobile number or email address when making an online payment on a Secured website?
- Immediately call the SBM Contact Centre on (230) 202 1256 during business hours (9.00 A.M. to 4.30 P.M. on weekdays) or send an email to customerservice@sbmgroup.mu
- Of note, after business hours, during weekends and on public holidays, call the SBM PRM Team on (230) 202 1256 or send an email to prmteam@sbmgroup.mu
9. What to do if my contact details are not updated to receive the One-Time Password (OTP) or SMS Notification? (Retail/ Private Banking)
- SBM Internet Banking (IB) users can update their contact details on the IB platform itself by following the steps listed below:
- Log in to the IB platform > My Profile > Personal settings to update your contact details.
OR
- Click directly on “Login issue with OTP - Update e-Contact Details” on the IB homepage to change your contact details if you have either a valid
SBM Debit or SBM Credit or SBM Prepaid card.
- Customers who are not registered for the Internet Banking service should call at any SBM Service Unit in person, bringing along their National Identity Card/ valid passport to update their contact details.
For more information, reach out to the SBM Contact Centre on (230) 202 1256 during business hours (9.00 A.M. to 4.30 P.M. on weekdays) or send an email to customerservice@sbmgroup.mu. You may also call the SBM PRM Team on (230) 202 1256 after business hours, during weekends and on public holidays or send an email to prmteam@sbmgroup.mu.
10. What to do if I want to activate/deactivate the E-Commerce feature on my debit card?
For Retail & Private Banking
(1) Log in to the SBM Internet Banking platform or the SBM Mobile Banking app and proceed with activation/deactivation or
(2) Submit a request via a secured email on the SBM Internet Banking platform for activation/deactivation or
(3) Call at any SBM Service Unit in person, bringing along your National Identity Card/passport, or
(4) Contact your respective Personal Banker/ Private Banker or
(5) Call SBM Contact Centre on 202 1256 during regular business hours (from 9.00 A.M. to 4.30 P.M. on weekdays) to activate/deactivate the
E-commerce feature on your debit card(s) or
(6) Call SBM PRM Team on (230) 202 1256 after business hours, during weekends and on public holidays to activate/deactivate the E-commerce feature on your debit card(s).
For Corporate Banking
(1) Contact your respective Relationship Manager or
(2) Call at any SBM Service Unit in person, bringing along your National Identity Card/passport and all the required documents.
11. Can I increase/decrease my E-Commerce transaction limit?
Yes.
12. What should I do if I need to change the E-commerce limit on my debit card?
For Retail & Private Banking
(1) Log in to the SBM Internet Banking platform or the SBM Mobile Banking and adjust the E-commerce limit accordingly or
(2) Call at any SBM Service Unit in person, bringing along your National Identity Card/passport, or
(3) Contact your respective Personal Banker/Private Banker.
For Business/Corporate Banking
(1) Contact your respective Relationship Manager or
(2) Call at any SBM Service Unit in person, bringing along your National Identity Card/passport and all the required documents.
13. How to prevent online frauds on your debit card(s)?
- Check your transactions and account balance regularly
- Always use a secure network when making online purchases
- Only carry out transactions at reputed online stores/merchants
- Never share your card details with others
14. Who should I contact if I encounter any issue related to E-commerce on my debit card or notice any suspicious transaction?
- Immediately call the SBM Contact Centre number on (230)202 1256 during regular business hours (from 9.00 A.M. to 4.30 P.M. on weekdays) or send an email to customerservice@sbmgroup.mu
- You may also call the SBM PRM Team on (230) 202 1256 after business hours, during weekends or on public holidays or send an email to prmteam@sbmgroup.mu
15. What is the default E-commerce limit on my debit card and what is the maximum E-commerce transaction limit that I can set using the SBM Internet Banking platform or the SBM Mobile Banking app (IB/MB)?
16. What should I do if I need to increase my E-commerce transaction limit above the maximum authorised on IB/MB?
You should either visit any SBM branch or contact your Personal Banker/Private banker.
17. What is the maximum E-commerce transaction limit authorised at SBM Service Units?
The maximum E-commerce transaction limit will be determined based on the available balance on the cardholder’s account and subject to approval by Senior Managers/Head of Retail.
What is a contactless card?
Contactless allows you to make faster and secured low value payments by tapping your contactless-enabled bank card on a payment terminal without inserting your card into the payment terminal or entering your personal identification number (PIN).
How to make contactless payment?
Contactless payment can be effected at any merchant’s payment terminal bearing the contactless payment symbol.
When the merchant’s payment terminal prompts you, you are required to place your card within a few centimeters from the terminal. When the terminal accepts the reading, it signals with a beep, green light, or checkmark. Once the approval is received, the transaction is completed.
Where can I use the contactless card?
Please refer to question 2 above.
The majority of the SBM POS terminals accept payments by the contactless card.
Is there any contactless transaction limit I can use contactless?
The contactless card can only be used for transactions amounting up to MUR 10,000 per day (or the equivalent in foreign currency).
Can I use contactless to get cash out at an ATM?
No, you cannot get cash out of an ATM using contactless.
Are there any fees for paying with contactless?
Besides the standard fees and charges applicable to existing non-contactless card, there are no additional fees associated with the use of contactless service.
Can I use my contactless card abroad?
Yes, you can use your contactless card abroad. Contactless transactions will be accepted wherever the contactless symbol is displayed. Please be aware that the contactless transaction limit of MUR 10,000 (equivalent in foreign currency) may vary depending on the country in which you are transacting.
How can I get a contactless card?
You will automatically be issued a contactless card when your existing card is up for renewal or expiry. You will need to effect an ATM transaction or point of sale transaction to enable the contactless function.
What happens if the terminal is not contactless enabled?
Your card can still function as a regular card for Chip +PIN transactions.
What happens if I must do an online transaction?
Contactless transactions can only be done at physical terminals, which are contactless enabled. Online transactions will continue to be effected on the relevant platforms for online banking.
Is reloading of funds needed for the contactless features?
No, no loading of funds onto the contactless card is needed. The funds will be deducted on your account from the available balance.
SECURITY FOR CONTACTLESS PAYMENT
Could I unknowingly make a purchase as I walk past a reader?
No. The merchant must have keyed in the transaction amount for you to approve first, and your card needs to have been held within a few of centimeters of the terminal. You will also be provided with a RFID (Radio Frequency Identification) protection sleeve to protect your card.
Is contactless technology secure?
Yes. Contactless uses the latest secure encryption technology (same as Chip and PIN) so you can feel confident when using it to pay for items. There is a ceiling of MUR 10,000 on the aggregate value of transactions permitted per day, and from time to time, you may be asked to enter your PIN to verify you are the genuine cardholder. If your card is lost or stolen, please inform our hotline immediately on [230] 207 1111 so that the card can be blocked. You will not be held responsible for fraudulent charges or unauthorized purchases made using the contactless features on your card, after reporting the loss of your card to the Bank.
Why don't I need to enter my PIN or sign for purchases?
This is to ensure that using contactless technology is as simple and convenient as cash; merchants that accept contactless payments do not require you to sign or enter your PIN for transactions under MUR 10,000 (or the equivalent in foreign currency).