Experience with SBI Rupay-JCB Debit Card

[Walter White]

As my SBI MC Platinum card was close to expiry, I felt the need to look for a better card. Aftet reading @Abhishek012's post regarding SBI Rupay-JCB DC and the features it was offering, decided to go for it.

SBI Rupay-JCB card cannot be applied online, so had to visit the branch for it. So, I made visit to this branch for the first time. The branch looked like it was older than me. I felt I was back in the 80s. The branch belonged to State Bank of Patiala before its merger with SBI.

The overall process was smooth. The staff were polite. Things have started to improve lately in public sector banks. Even though in the first attempt, they sent me Rupay Platinum, they admitted their fault and helped me get the right card this time.

Got the card after 5 days delivered by India Post. The design is average though.

Got it primarily due to zero forex charges.

 

[Abhishek012]

U will incur convenience charges equal to international CC as of now. This is due to some bug on Rupay Side. This bug is not resolved from past 1 year.

What convenience charges ?

There is no convenience charges, currency conversion charges or forex markup fee on SBI RuPay JCB Platinum DC.

already multiple people used in US websites/International websites using SBI RuPay JCB Platinum DC.

more info -

Thread 'Forex Transaction Experience with SBI Rupay-JCB Debit Card: One of the best DCs for forex spends?'

Dec 23, 2023

For international transactions, Diners Black has always been my preferred card. Thanks to the fact the website did not accept Diners and I did not want to use AU Zenith which would have been a break even case, I decided to go with SBI Rupay-JCB Debit card because of zero forex markup.

Total amount: USD 153.75

Amount in INR (spot rate): 12,788 @ 83.17
Amount in INR (deducted): 12,795 @ 83.21
Amount in INR (Visa Rate): 12,804 @ 83.27

Overall found JCB conversion rates to be competitive.

@Abhishek012 khush hoge aap ki US ki sites pe bhi Rupay cards chal rhe hai 😜

• Walter White
• Replies: 28
• Forum: Debit Card

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[jeh]

U will incur convenience charges equal to international CC as of now. This is due to some bug on Rupay Side. This bug is not resolved from past 1 year.

Do you have SBI JCB Rupay DC? Did it work on international sites for you? I tried in ATMs in Singapore and USA - worked fine so far but didn't work on single online or ecomm sites. Not much deal breaking since I use zero forex CC or Amex online mostly but I just found it very strange...

 

[Abhishek012]

Do you have SBI JCB Rupay DC? Did it work on international sites for you? I tried in ATMs in Singapore and USA - worked fine so far but didn't work on single online or ecomm sites. Not much deal breaking since I use zero forex CC or Amex online mostly but I just found it very strange...

Currently work on selected International websites, few people already used and recurring payment websites are not supported.

Another reason for not accepting it in all international e-commerce platforms is that RuPay itself will expand its international e-commerce payment services.

 

[jeh]

Currently work on selected International websites, few people already used and recurring payment websites are not supported.

Another reason for not accepting it in all international e-commerce platforms is that RuPay itself will expand its international e-commerce payment services.

I agree with that for most part but bank declines transaction on every damn site. I have ICICI Rupay CC and it works everywhere Discover works...

 

[jeh]

On ATM worked flawlessly though I tried in Bank of America, Wells Fargo and SBI Singapore so far. Worked without fuss.

 

[Abhishek012]

I agree with that for most part but bank declines transaction on every damn site. I have ICICI Rupay CC and it works everywhere Discover works...

Sometimes, there are issues with International ECOM activation from Bank's side.

Anyway, discover/diners club is best for online ecom transaction and JCB is best for offline/POS/ATM.

 

[0xfallup]

On ATM worked flawlessly though I tried in Bank of America, Wells Fargo and SBI Singapore so far. Worked without fuss.

0 forex charges ?

 

[nh124001]

Sometimes, there are issues with International ECOM activation from Bank's side.

Anyway, discover/diners club is best for online ecom transaction and JCB is best for offline/POS/ATM.

normal silver segment mein mil jayega jcb rupay platinum?

 

[jeh]

0 forex charges ?

Yep! I wasn’t charged anything extra apart from atm fees.

 

[jeh]

Sometimes, there are issues with International ECOM activation from Bank's side.

Anyway, discover/diners club is best for online ecom transaction and JCB is best for offline/POS/ATM.

Maybe! Should I go to Ombudsman for this lol 😂

 

[Abhishek012]

Maybe! Should I go to Ombudsman for this lol 😂

SBI RuPay JCB Platinum DC atleast working offline or selected websites online.

One person was saying that his Union Bank of India RuPay JCB Platinum Debit Card and Central Bank of India RuPay JCB Platinum Debit Card didn’t work for international offline transactions anywhere.

Now, since it's a PSU bank, who will you complain to? Private banks have great support.

For example, someone here mentioned that his AU Bank RuPay Discover Credit Card wasn’t working at international POS/ATMs. He filed a complaint and AU Bank took action within 24 hours, fixed the issue and the card started working the next day.

Private banks provide better service and on complaints, take immediate action to permanently fix the bug.

 

[Abhishek012]

normal silver segment mein mil jayega jcb rupay platinum?

SBI RuPay JCB Platinum DC eligible on almost all SBI accounts.

 

[gowthamv]

Do you have SBI JCB Rupay DC? Did it work on international sites for you? I tried in ATMs in Singapore and USA - worked fine so far but didn't work on single online or ecomm sites. Not much deal breaking since I use zero forex CC or Amex online mostly but I just found it very strange...

Tired to use it on Amazon.com US site..
Immediately after entering the card details, it detected card as 'Rupay' and the message was displayed as "Card is not supported".

 

[Abhishek012]

Tired to use it on Amazon.com US site..
Immediately after entering the card details, it detected card as 'Rupay' and the message was displayed as "Card is not supported".

Ya, when RuPay will expand to E-com International websites, RuPay JCB will accept.

Very few International websites currently accept RuPay-JCB Cards.

however, RuPay-Discover card is accepted on Amazon USA.