what is sbi travel card

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SBI Foreign Travel Card: Full list of fees, charges, variants and currency reload limit in 2023

State bank foreign travel card variants, fees and transaction charges in 2023: state bank of india is offering prepaid multi-currency foreign travel cards that you can use to make your foreign trips trouble-free and convenient..

State Bank Foreign Travel Card variants and transaction charges in 2023: State Bank of India is offering a prepaid foreign travel card that you can use to make your foreign trips trouble-free and convenient.

The State Bank Foreign Travel Card offers a convenient way of carrying cash across the world, except in India , Nepal and Bhutan. Read below for details about eligibility, supported foreign currencies, reload limit, and different variants of this card.

State Bank Foreign Travel Card (SBFTC) variants

State Bank Foreign Travel Card is available in two variants.

• On the Visa platform, this card is available as a single currency card in eight international currencies. The supported currencies are US Dollars(USD), Pound Sterling (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Japanese Yen (JPY), Saudi Riyal (SAR) and Singapore Dollar (SGD).
• On the MasterCard platform, SBFTC is available as a multi-currency card in seven foreign currencies – US Dollars(USD), Pound Sterling (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Singapore Dollar (SGD) and UAE Dirham (AED).

State Bank Foreign Travel Card: Eligibility

Any resident individual in India who wants to travel abroad, except Nepal and Bhutan, can apply for State Bank Foreign Travel Card, according to the SBI website.

State Bank Foreign Travel Card: How to apply

You can apply for SBI Foreign Travel Card online by visiting https://prepaid.sbi website. You can also apply for this card offline by visiting an authorised SBI branch.

State Bank Foreign Travel Card: Fees and charges

Who should apply for SBI Foreign Travel Card?

The State Bank Foreign Travel Card may be useful for anyone travelling abroad as it reduces the need to carry cash or go through the hassles of going around money changers for encashing traveller’s cheques. With the help of this card, travellers will be able to save the money lost in exchanging currencies. Travellers can use this card for making payments during shopping, dining or visiting places without worrying about carrying or losing cash.

Also Read: SBI Credit Card fees and charges 2023

SBI website says that this card reduces the need to pay annual fees, joining fees, credit limit etc. usually linked with international credit/debit cards.

(Disclaimer: The above content is for information purposes only. Fees and charges are subject to change. Therefore, please verify the details with the bank before applying).

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How to get sbi multi-currency foreign travel card.

Here is a look at the features, benefits, limits and how to get SBI's Multi-Currency Foreign Travel Card, as per a press release issued by the bank.

• Chip and PIN protected prepaid travel card
• Multiple currencies on one card
• Additional card available for backup
• 24/7 global assistance with free replacement of card if it is lost or stolen
• No information of bank account is required to obtain or start using this card
• Reloadable until the expiry date on the card with valid passport and Form A2 available from all branches of SBI
• Online management of card with secure visibility of balances and transaction details
• Services like ATM locator can also be availed using this card
• In case of insufficient funds in a currency to pay for a transaction, the balance automatically gets deducted from other available currencies on the card.
• Customers can avoid exchange rate fluctuations and variances while abroad
• In case of lost or stolen cards, the Services team offers emergency cash replacement of up to the balance available on the card
• A minimum amount of US $200 can be loaded on the card
• Maximum amount that can be withdrawn from ATMs or spent at merchant points is US$10,000
• Only 1 active account can be held by a customer at any one time
• Some ATM operators and merchants may charge a withdrawal fee or set their own limits as per their rules and regulations
• Signing at the back of the Card as soon as it is received
• Memorizing the PIN
• The Multi-currency Travel Card is not linked to the bank account which is an additional safety feature in itself
• If the Card is still valid and the customer would prefer not to keep it for another trip, then the remaining balance can be withdrawn whilst abroad, from an ATM displaying the MasterCard Acceptance Mark

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How to get SBI multi-currency foreign travel card explained

SBI multi-currency foreign travel card is a smart way to carry money when travelling abroad

State Bank Multi-Currency Foreign Travel Card is a prepaid currency card that can be pre-loaded with money in up to seven currencies and then used at ATMs and merchant points abroad. The card is a smart way to carry money when travelling abroad. Using this card, customers can withdraw cash from over 2 million ATMs and pay for goods and services in shops, restaurants and hotels at 34.5 million merchants worldwide.

Features and benefits:

· Chip and PIN protected prepaid travel card

· Multiple currencies on one card

· Additional card available for backup

· 24/7 global assistance with free replacement of card if it is lost or stolen

· No information of bank account is required to obtain or start using this card

· Reloadable until the expiry date on the card with a valid passport and Form A2 available from all branches of SBI

How to procure State Bank Multi-Currency Foreign Travel Card

Existing as well new customers of SBI can avail these cards by either visiting the nearest branch of SBI or by logging on to the SBI website. This card is easily available with more than 1,100 branches offering it.

Customers can avail of the following services using the Travel Card:

· Online management of card with secure visibility of balances and transaction details

· Services like ATM locator can also be availed using this card

· With this travel card, users can lock in the exchange rates on their currencies each time they reload the card

· The card can be loaded with US Dollars, British Pounds, Euros, Singapore Dollars, Australian Dollars, Canadian Dollars and UAE Dirham

· In case of insufficient funds in a currency to pay for a transaction, the balance automatically gets deducted from other available currencies on the card.

· Customers can avoid exchange rate fluctuations and variances while you’re abroad

· Clear and transparent charges give you the control to manage your budget

· In case of lost or stolen cards, the Services team offers emergency cash replacement of up to the balance available on the card

· A minimum amount of US $200 can be loaded on the card

· Maximum amount that can be withdrawn from ATMs or spent at merchant points is US$10,000

· Only 1 active account can be held by a customer at any one time

· Some ATM operators and merchants may charge a withdrawal fee or set their own limits as per their rules and regulations

Secure your card by using the following steps:

· Signing at the back of the card as soon as it is received

· Memorizing the PIN

· The Multi-currency Travel Card is not linked to the bank account which is an additional safety feature in itself

· If the Card is still valid and the customer would prefer not to keep it for another trip, then the remaining balance can be withdrawn whilst abroad, from any ATM displaying the MasterCard Acceptance Mark

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State Bank Multi-Currency Foreign Travel Card

State Bank Multi-Currency Foreign Travel Card is a prepaid forex card by SBI. As it is a prepaid card, unlike credit cards, it has to be loaded before it can be used for making purchases. As the name of the card itself suggests, it is a multi-currency card, i.e. it can be loaded in 7 different currencies including some of the most widely used ones like USD, Euro, Dirham, etc.

Although there is no annual fee chargeable for the card’s membership, an initial issuance fee of Rs. 100 (plus GST) is to be paid at the time of issuance of the card, which is comparatively lower than that for the forex cards by the likes of HDFC and Axis Bank. Read on to learn more about this prepaid card by SBI.

Joining Fee

Renewal fee, best suited for, reward type.

Reward Points

Welcome Benefits

Movie & dining, rewards rate, reward redemption.

The card can be loaded in 7 foreign currencies and no mark-up fee applicable on transactions made in the currency loaded on the card.

Domestic Lounge Access

International lounge access, insurance benefits, zero liability protection.

Cardholder not liable for any unauthorized transaction made with the card post reporting the loss of card to the bank

Spend Based Waiver

Rewards redemption fee, foreign currency markup.

Cross currency usage fee of 3% of the transaction amount on transactions made in a currency other than the one loaded on the card

Interest Rates

Fuel surcharge, cash advance charges.

USD 1.75 on every transaction (or its currency equivalent)

Add-on Card Fee

• Can be loaded in 7 widely accepted currencies including USD and EUR.
• Accepted at all international retail outlets and online portals accepting MasterCard credit/debit cards.
• Card reloadable at any of the FTC (Foreign Travel Card) issuing branches.
• Chip and PIN Card with support for contactless payments.
• No foreign currency mark-up fee on transactions made in the currency loaded on the card.

State Bank Multi-Currency Foreign Travel Card Travel Benefits

• The card can be loaded in 7 different widely used currencies-  USD, Euro, Pound, Singapore Dollar, Canadian Dollar, UAE Dirham, and Australian Dollar.
• No foreign currency mark-up fee charged on transactions made in the currency loaded on the card.

Fees and Charges

• You have to pay an initial fee of Rs. 100 (plus GST) at the time of card issuance. No annual membership fee is applicable on the card.
• A reloading fee of Rs. 50 is chargeable every time the card is reloaded.
• No foreign currency mark-up fee is applicable on transactions made in the currency loaded on the card. However, a cross-currency usage fee of 3% of the transaction amount is chargeable on transactions made in a currency other than the one loaded on the card.
• An ATM withdrawal fee of USD 1.75 is charged every time the card is used for cash withdrawal from an ATM.

Loading/Reloading State Bank Multi-Currency Foreign Travel Card

State Bank Multi-Currency Foreign Travel Card can be reloaded by visiting any of the FTC (Foreign Travel Card) issuing SBI branches and submitting the prescribed application form along with form A2 and copies of your passport and PAN Card.

You can also authorize any of your family members to reload your Foreign Travel Card while you are on an international trip. The family member will be required to produce an authorizing letter duly signed by you along with copies of your passport and PAN card when they visit an SBI branch to reload your card.

Supported Currencies

State Bank Multi-Currency Foreign Travel Card can be loaded/reloaded in any of the following seven currencies- USD, Euro, Pound, Singapore Dollar, Canadian Dollar, UAE Dirham, and Australian Dollar.

How to apply for State Bank Multi-Currency Foreign Travel Card

You can apply for the State Bank Multi-Currency Foreign Travel Card by visiting your nearest FTC (Foreign Travel Card) issuing SBI branch (see a detailed list of all FTC issuing branches here ). You will need to submit copies of your passport and PAN card at the time of applying for the card.

State Bank Multi-Currency Foreign Travel Card can be a good alternative to credit cards if you are going on an international trip as it can be loaded in seven different foreign currencies with no mark-up fee chargeable on transactions made in the currency loaded on the card. It can also be the card of choice for students going abroad for studies as being a prepaid card, one can get it issued without submitting any proof of income. What do you think of this prepaid forex card by SBI? Do let us know in the comments. If you’ve used this card, feel free to share your experience.

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State Bank Multi-currency Foreign Travel Card is issued by State Bank of India, pursuant to license by Mastercard Asia/Pacific Pte. Ltd. Mastercard is a registered trademark of Mastercard International Incorporated.

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How to Apply for a Credit Card via YONO SBI App: Easy Steps | YONO SBI App - Yono

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How to Apply for a Credit Card through YONO SBI App?

13 Nov, 2023

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SBI Credit cards offer a range of fantastic benefits that make them stand out from the crowd. With these cards, you can enjoy the convenience of cashless transactions, making shopping and payments a breeze. SBI provides attractive reward programs that lets you earn points for every rupee spent, which can be redeemed for exciting gifts and discounts. Additionally, the cards often come with exclusive offers and discounts at various partner outlets, giving you more value for your money. So, can we apply for SBI Credit cards online through YONO SBI ? In the section below, we’ll discuss in detail how to apply for an SBI credit card through YONO SBI. Continue reading to learn more.

What is YONO SBI App?

Before jumping into the details, let's briefly understand the YONO SBI app. YONO, short for 'You Only Need One,' is an all-in-one digital platform offered by the State Bank of India. It brings together a wide range of banking and financial services under one umbrella, making it incredibly convenient for SBI customers to manage their accounts, conduct transactions, and apply for various products like credit cards. Explore over 17 variants of SBI credit cards on YONO SBI and discover before taking the decision to apply for credit card as per your needs, ensuring a seamless and hassle-free digital experience.

How to Apply for SBI Credit Card through YONO SBI App

Now that you're aware of the advantages of having an SBI credit card, let's proceed with the step-by-step guide on how to apply for SBI Credit Card online through the YONO SBI app:

Step 1: Download the YONO SBI App

If you haven't already, head to the App Store (for iOS users) or the Google Play Store (for Android users) and download the YONO app. Once the installation is complete, launch the app and log in using your SBI Internet banking credentials. You can easily register and create an account if you're a new user.

Step 2: Explore the 'Credit Cards' Section

Once you're logged in, navigate to the 'Credit Cards' section in the app. You'll find detailed information about various SBI credit card options, including their features, benefits, and eligibility criteria.

Step 3: Choose the Right Credit Card for You

Select the credit card that best suits your needs and lifestyle. SBI offers a variety of credit cards tailored to different customer segments, such as travel, shopping, dining, and fuel.

Step 4: Check Eligibility

Before you apply, eligibility requirements for the chosen credit cards can be checked on the app. Typically, the eligibility criteria include factors like age, income, credit score, and existing relationship with the bank.

Step 5: Fill in the Application

Once you've chosen the ideal credit card and confirmed your eligibility, it's time to complete the application form. The form will require your details, income information, and other relevant data. Ensure that you provide accurate information to avoid any processing delays.

Step 6: Review and Submit

Take a moment to review the details you've entered before applying. Once you're satisfied that all the information is correct, submit the application.

Step 7: Application Processing

After you've applied, SBI cards team will process it and assess your eligibility based on the credit card approval criteria. This process may take a few business days, and you will be notified of the status through the app or via email/SMS.

Step 8: Receive Your Credit Card

If the application is approved, you will get a virtual credit card instantly. Additionally, a brand new SBI credit card will be dispatched to your registered address.

Tips for a Successful Credit Card Application

Follow these tips for SBI credit card application:

• Ensure you meet the eligibility criteria for the credit card you're applying for.
• Provide accurate and up-to-date information in the application form.
• Maintain a healthy credit score, as it significantly impacts your credit card approval chances.

Applying for an SBI credit card through the YONO SBI app is an effortless and convenient process that opens the doors to a world of rewards and benefits. With a plethora of credit cards catering to different needs, you're sure to find one that aligns perfectly with your lifestyle.

Embrace the digital revolution and apply for your dream credit card through the YONO SBI app today. Unlock a world of financial opportunities and make the most of your purchases with SBI's top-notch credit card offerings!

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Every Saturday and Sunday from 6th April’24 to 30st June’24

• Promo Code for Non-EMI transactions is SBICC and for EMI transactions is SBIEMI
• Offer valid for 1 booking per card per month for each category
• This Offer is also valid on EMI transactions on SBI credit cards.
• In case of partial/full cancellation the offer stands void and customer will not be eligible for the discount
• Visit cleartrip.com or Cleartrip Mobile App and make payment using your SBI Credit Card

All SBI Credit Cards excluding Corporate Cards, SBI Cashback card and Paytm SBI Credit Card

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• This Marketing Program (“Offer”) is offered by SBI Card & Payment Services Ltd. (“SBICPSL”) under an arrangement with Cleartrip Pvt Ltd (“Partner”).
• It is open to all legal residents of India holding a valid and current SBI/Tata Credit Card excluding SBI/Tata Corporate Credit Cards, SBI Paytm Cobrand Card and SBI Cashback card (“Cardholder”). Offer is not valid on Rupay Credit Card transactions done via UPI.
• The Validity of the Offer (“Offer Duration”) is every Saturday and Sunday from 6th April 2024 to 30th June 2024, unless extended by SBICPSL and Partner by mutual consent in writing for a further period “additional duration”.
• The offer is valid once per card per category per month
• This Offer is also valid on EMI transactions on SBI/TATA credit cards
• This Offer is not valid on Rupay Credit Card transactions done via UPI
• Offer valid only on usage of Promo code
• Offer applicable on www.cleartrip.com or Cleartrip Mobile App
• Minimum booking amount is excluding any ancillaries including meals, insurance and convenience fees for domestic flights bookings
• Offer is not applicable on payments made via the Book Now Pay Later mode
• For hotels, discount is to be calculated on hotel basic price (pre-tax price)
• Offer is valid on select hotels, please check the ioffer
• Domestic hotels offer is not applicable if the hotel is booked using the pay-at-hotel and Book Now Pay Later option.
• The offer is not applicable on payments made directly at the hotel
• Instant Discount is applied on Base Fare (Pre-Tax Amount).
• Offer is applicable on select bus operators only.
• This offer will not be applicable on government buses
• If the Customer cancels the travel service purchase, Cleartrip will deduct the discount amount from the refund and cancellation charges shall apply
• If there is any rescheduling or cancellation, customer has to bear the fare difference (regardless of whether the component is in the base fare or in tax + surcharge) and other rescheduling/cancellation fees

OTHER TERMS AND CONDITIONS:

• The above Offer is by way of a special offer for SBI/Tata Credit Cardholders only excluding SBI/Tata Corporate Credit Cardholders and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement between SBICPSL and their Cardholders. The terms of the above Program shall be in addition to and not in derogation of the terms contained in the card member agreement., Merchant EMI Terms and Conditions and Rewards Terms & Conditions.
• Any query regarding the program will be entertained only till 30.06.2024. Post such date, SBICPSL & Partner will not entertain any correspondence or communication in any manner whatsoever regarding this Program from any persons.
• As per Rewards Terms & Conditions, Reward points accrued on offer eligible transactions will be forfeited. Reward points will be forfeited for all transactions done during offer period and considered for Offer computation. At the time of forfeiture in case the Cardholder has inadequate Reward Point balance, then an amount equivalent to Reward Points to be Forfeited will be debited from the Cardholder’s account.
• SBICPSL does not endorse any of the products or brands being offered under the Program and will not accept any direct liability pertaining to the quality, merchantability, fitness, delivery or after sales service of such products which shall be at the sole liability of the Partner.
• All the existing offers, discounts etc. on select/all products or services that are being offered by partner can be availed by the Cardholders as part of this offer as mentioned in this communication.
• Pictures of products shown in the communication sent to the customer either through mailers, push notifications, social media channels, statements or advertised on the website/mobile app, are representative only and may not bear a resemblance to the actual products. None of the parties shall under any circumstances be responsible towards the same.
• Products/services offered under this program are subject to availability from the respective participating merchants/sellers of Partner and accordingly SBICPSL in no circumstances shall be liable for non-availability of any of the products/services.
• SBICPSL shall adhere, cater and ensure on best effort basis to perform the agreed terms and conditions of the program.
• SBICPSL will not be liable for any technical or any offer configuration related issue at Partner platform on account of which cardholder is unable to avail the offer. All such concerns need to be taken up directly with the Partner by cardholder for resolution
• Under no circumstances will the offer/cashback being offered under this Program be settled with cash in lieu by SBICPSL or by Partner.
• Returned transactions, disputed transactions (closed in customer favour) or unauthorized/fraudulent transactions will not be considered for the Offer.
• SBICPSL will not entertain any correspondence regarding the validity or acceptability of any additional benefits offered by Partner/Partner’s sellers on products/services made available by it and the same shall be at the sole risk and consequences of Partner/Partner’s sellers and without reference to SBICPSL.
• All government Levies like Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable at the time the respective Offer was offered.
• This Offer shall be subject to all applicable laws, rules and regulations which are in existence and which may be promulgated anytime by any statutory authority.
• SBICPSL reserves the right to disqualify the Cardholder(s) from the benefits of the Offer, if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the said Offer or otherwise by use of the Card subject to intimation to Partner of such disqualification.
• Any person availing this Offer shall be deemed to have accepted these terms and conditions.
• SBICPSL and Partner reserve the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all or some of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this Offer or not, or to extend or withdraw it altogether.
• Cardholders are not bound in any way to participate in this Offer. Any participation is voluntary and the Offer is being made purely on a best effort basis.
• Nothing herein amounts to a commitment by SBICPSL to conduct further, similar or other Offers.
• Any disputes arising out of the Offer between SBICPSL and Cardholder shall be subject to arbitration by a sole arbitrator to be appointed by SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996 and amendment thereof. The Seat & Venue of arbitration shall be at New Delhi, India and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against SBICPSL or Partner or any of its affiliates.
• SBICPSL may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
• These terms & conditions shall be governed and interpreted as per the laws of India and any dispute relating to these terms & conditions shall be subjected to exclusive jurisdiction of the courts of Delhi.
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This diagram shows what happens during a total solar eclipse

• A total solar eclipse will be visible from Texas to Maine on Monday.
• This cosmic event occurs when the Earth, sun, and moon align perfectly.
• One diagram shows how a total solar eclipse works, and why it darkens the sky in the middle of the day.

A total solar eclipse will turn afternoon skies dark from Texas to Maine on Monday.

During the eclipse, the moon will cross between the Earth and the sun, completely blocking out the sun's light. If you're in the moon's shadow, the sky will go dark for about three to four minutes, depending on your location.

It's the climax of a cosmic dance between our planet , the moon, and the sun.

What causes a total solar eclipse

During a total solar eclipse, three key conditions happen at the same time: The moon is in the "new moon" phase; the moon crosses the plane of the Earth's orbit ; and the moon is at its closest point to Earth in its orbit.

When those conditions are just right, the Earth, sun, and moon line up. This diagram shows how that looks:

Then, if you're in the path of totality — which is basically the center of the moon's shadow, called the umbra — the moon appears to obscure the sun.

If you're in the penumbra — the outer region of the moon's shadow — you'll see a partial solar eclipse , where the moon appears to partially overlap the sun.

A total solar eclipse happens somewhere on Earth about every 18 months on average. It's rare for one to occur in any single place, though, because of the complex movements of the Earth and moon.

The moon orbits Earth every 29.5 days, while Earth has its own orbit around the sun. The moon's orbit is tilted about five degrees, which is large enough to keep its shadow off the Earth and the Earth's shadow off the moon most of the time.

There are two points — called nodes — where the moon's orbit crosses the Earth's plane. In the diagram above, the moon is lined up on a node.

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The moon aligns with the nodes and the sun about twice per year, which is how we get eclipses. A solar eclipse happens when the moon is between the Earth and sun. A lunar eclipse happens when the moon is on the other side of the Earth, farthest from the sun.

What the total solar eclipse will look like

In the path of totality on Monday, where the moon's umbra falls over Earth, the total solar eclipse will have 10 distinct phases , each with different amounts of the sun visible from the ground.

The phenomenon kicks off with what's called first contact, when the moon starts to pass across the sun. After about an hour, the moon will almost completely mask the sun, and you'll start to see a bright light radiate out of the sliver of remaining sun, known as the "diamond ring."

Then the moon will fully eclipse the sun, turning the sky dark in the middle of the day.

During totality only the sun's outermost atmosphere, called the corona, will be visible glowing around the dark disc of the moon.

After that, the moon will continue to travel across the sky to form another crescent. The eclipse ends when the moon ceases to cover the sun.

Types of solar eclipses

There are three types of solar eclipses .

Total solar eclipses, like this one, occur when the moon appears to completely cover the sun. If the moon only somewhat covers the sun, that's a partial eclipse . Many people who are near the path of totality, but not in it, on Monday will see a partial eclipse.

The third type, an annular eclipse , occurs when the moon is too far from Earth to fully block out the sun from our perspective. The outer edge of the sun remains visible as a bright ring around the moon.

A total solar eclipse is considered the most spectacular. Globally, only about a third of all solar eclipses are total.

The next total solar eclipse in the contiguous US will be in 2044.

How to watch the eclipse

If you plan to watch the eclipse, make sure you are wearing ISO-certified eclipse glasses . These are 1,000 times darker than regular sunglasses. Without them, staring at the sun could damage your eyes.

The only safe time to look at the eclipse without glasses is during totality.

Leanna Garfield and Anaele Pelisson contributed to an earlier version of this post .

Watch: Why the sun has two giant holes, and what that means for Earth

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SBI Unipay's failed bill pay transactions, delayed refunds leave customers in limbo. Here's what you can do next

On March 21, Ajay Kumar, a resident of Hyderabad, tried paying his HDFC Bank credit card bill of Rs 25,723 via the SBI Unipay platform using his HDFC Bank debit card, but there was a transaction failure message on the platform. The amount was deducted from the HDFC Bank account but it was not credited to the credit card account.

He raised the complaint to the State Bank of India (SBI) customer support through an email on March 25 after waiting for the refund for a few days. Kumar says, “There was no response from the bank for a week, so then tried to reach the bank’s customer service through social media platform X by posting the complaint and tagging the bank.”

After constant follow-ups through e-mails and social media posts, there was a response from the SBI customer service on April 6 asking him to inquire with the source bank (HDFC Bank in his case) about the transaction failure. He later inquired with the source bank where the money was deducted but not credited to the destination. Then the source bank (HDFC Bank) reversed the deducted amount on April 8.

Also read: Axis Bank credit card fiasco: Customers hit by fraudulent international transactions must act quickly to protect themselves

Similarly, Ankur Das and Parikshit Thakkar received 'transaction failed' messages from the SBI Unipay platform for making credit card bill payments worth Rs 50,403 and Rs 22,173, respectively. In both instances, the amount was deducted from the savings accounts and not credited to the credit card accounts. They have not received any response for raising the complaints to the SBI nor refunds from the bank. These customers have also posted a complaint against SBI Unipay on the social media platform X after no response from the SBI customer service.

Moneycontrol reached out to the SBI to understand the issue of credit card transaction failure on the SBI Unipay platform, refunds, and delays in response to customer complaints. But there was no explanation from the bank till the time of publishing this report.The problems while using the SBI Unipay platform

Like Kumar, Das and Thakkar there are several customers who paid their credit card bills via the SBI Unipay platform. The payment was deducted from their bank account (payment was successful), but the bill payment failed on the platform. According to SBI Unipay, customers should get their refund within 3 to 4 working days, but even after 10 working days many customers did not receive their refund.

“Such failed transactions are not shown on the SBI Unipay platform, so customers cannot directly file complaints on the same platform. The customers need to provide the transaction ID to raise a complaint via an email,” says Sumanta Mandal, founder of TechnoFino, a platform that reviews debit and credit cards.

The customers are complaining on the social media platform X that the customer complaint email ID mentioned on the Unipay platform is not responding to their emails. Even after 3 or 4 follow-ups, there has been no reply from the SBI. The customers are helpless and trying to contact SBI on social media platform X, but still their issue is not getting resolved.

“Surprisingly, this Unipay platform is not a startup; it is a part of the State Bank of India, India's largest bank (in terms of number of total customers). Such an act is not expected from a bank like the SBI,” Mandal says.What is a bill payment aggregator?

A bill payment aggregator acts as an intermediary between customers and multiple billers (like utility services, telecom companies, credit cards, education fees, municipality taxes, insurance premiums and more).

The benefits of using bill payment aggregators are the convenience of all bills in one place, flexible payment methods, alerts of new bills generated, reminders of due dates to pay the bills and auto payment features with some of the bill payment aggregators before due dates.

Some of the bill payment aggregators are Amazon (Pay) India, Google Pay, SBI Unipay, BillDesk, MobiKwik, Freecharge, CRED and more.

Also read: Yes Bank, IDFC First Bank to levy surcharge on utility payments with credit cardsWhat is SBI Unipay?

SBI Unipay is an online bill payment system launched by the SBI. Using the platform, customers can pay their bills via any of the online modes of SBI, rather than physically going to any bank branch.

The customers can make payments for credit cards, utility bills, education fees, municipality taxes, insurance premiums and more.

The bills can be paid using net banking, credit cards, debit cards, UPI, prepaid cards and mobile wallets.

The customers of the SBI and other banks both can pay their bills on the SBI Unipay platform.What should customers do in the case of a failed transaction on SBI UniPay?

For your failed credit card transactions using SBI Unipay and refunds you can register your complaint online on SBI’s customer support portal, on email ids [email protected] or [email protected], and still not received any resolution after 3-4 working days, send an email at [email protected] with the complete details of your concern, mentioning the case ID in the subject line. The case ID will be provided while registering the complaint online or sending the mail with the transaction details on the support IDs mentioned above.

“If the payment was successful and the credit card bill payment failed from the merchant's end (SBI Unipay), then it's SBI Unipay's (merchant) responsibility to look into this,” says Mandal. But if the SBI is asking to contact the source bank, as it happened for Ajay Kumar, then the customer should contact them and get clarification.

“In case there is no response from the SBI on your emails, you can tag SBI (@TheOfficialSBI) on social media platform X and post your issue,” says Mandal.

If the SBI or your source bank does not solve your problem you can file a complaint with the RBI ombudsman. Remember one thing, file a complaint with your bank first, then wait 30 days for resolution. “If your bank doesn't solve your problem within 30 days, then you can move the RBI banking ombudsman,” says Mandal. If you do not get a satisfactory resolution from your bank; you can move the RBI banking ombudsman within 30 days.

As per an RBI guidance issued on September 20 2019, a bank must compensate its customers if failed transactions do not get refunded within T+5 days. Mandal says as per the RBI guidelines customers can ask for Rs 100 per day compensation if the refund doesn't happen within five days after making the transaction (account debited but confirmation not received at merchant’s system).In the case of the due date for the bill being missed due to a payment failure while using a payment aggregator, who will bear the late payment fees?

In the case of payment failure for utility bills or a credit card bill, the customer needs to pay the late payment fees. It’s advisable to pay the bills at least 4 to 5 days before the due date while using the payment aggregator services.How should you choose the right bill payment aggregator?

You need to consider factors like a user-friendly interface to pay bills, security measures (to link net banking, tokenise the cards, etc.), transaction fees (if any), and customer support while choosing a third-party bill payment aggregator. You should also evaluate user reviews and their reputation.

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Now Arriving at an Airport Lounge Near You: Peloton Bikes, Nap Pods and Caviar Service

In recent months, a handful of exclusive credit card lounges have opened in airports in the United States. More are coming this year.

By Christine Chung

A handful of new lounges opened by credit card issuers, including Capital One and American Express, have recently landed in airports across the United States, promising posh spots of refuge for select travelers awaiting their flights. At La Guardia Airport, caviar service will be available for pre-order. At Hartsfield-Jackson Atlanta International Airport, travelers can get complimentary massages, and at Denver International Airport, there are nap pods. In addition to amenities, the new lounges provide an ambience reminiscent of a luxury hotel lobby, both in interior design and scale, and fit several hundred people at a time.

“Lounges have certainly gotten busier, so we’ve expanded our footprint,” said Audrey Hendley, president of American Express Travel, which in February opened its largest Centurion lounge, at 26,000 square feet at Hartsfield-Jackson , bringing its total number of lounges in the United States to 14.

Broadly, there are three types of airport lounges available to travelers: airline operated; shared-use spaces that aren’t limited to one airline or frequent flier status (think Priority Pass); and credit card lounges. Many are operated in partnership with lounge development companies.

For more than a decade, American Express was the only credit card issuer with lounges in the United States. That changed last year, when Chase Sapphire and Capital One each opened locations at major airports across the country, with plans to unveil a handful more in the coming years.

The proliferation is driven in part by changing demographics and travel patterns of fliers today. This year may set a record for the number of air travelers, with an estimated 4.7 billion people expected to fly globally. According to a survey published last May by the polling firm Morning Consult, younger travelers are more inclined than older generations to book travel with credit card loyalty programs, and those in the Gen Z age group, in particular, have signaled a declining loyalty to airline frequent flier programs.

While credit card companies saw opportunities to expand their brand awareness with lounges, the facilities also provide additional benefits to card members who pay hundreds of dollars in annual membership fees. Card fees range from $395 a year for a Capital One Venture X to $695 for an American Express Platinum.

Here are the latest highlights of new credit card lounges from around the country.

Chase Sapphire Lounge by The Club

Domestic locations: John F. Kennedy Airport’s Terminal 4, La Guardia Airport’s Terminal B, Boston Logan International Airport by Gate B40.

Forthcoming locations: San Diego International Airport, Phoenix Sky Harbor International Airport, Harry Reid International Airport in Las Vegas and Philadelphia International Airport.

Who can use: Travelers with the Chase Sapphire Reserve, J.P. Morgan Reserve or Ritz-Carlton credit cards who have activated their Priority Pass memberships. Those without these cards but who have Priority Pass can enter once a year. Chase Sapphire Reserve and J.P. Morgan Reserve cardholders can bring up to two guests per visit for free, and additional guests cost $27. Those with the Ritz-Carlton card can bring unlimited guests at no extra cost.

What’s on offer: Locally made draft beers and coffee, menus designed by local restaurants, private bathrooms with showers and, at La Guardia Airport’s 16,200-square-foot space spanning two floors, three suites with caviar service that can be reserved up to 72 hours before a flight ($2,200 to book).

American Express Centurion

Domestic locations: Hartsfield-Jackson Atlanta International Airport, Charlotte Douglas International Airport, Dallas-Fort Worth International Airport, Denver International Airport, George Bush Intercontinental Airport in Houston, Los Angeles International Airport, Harry Reid International Airport, Miami International Airport, Kennedy Airport, La Guardia Airport, Philadelphia Airport, Phoenix Sky Harbor Airport, San Francisco International Airport, Seattle-Tacoma International Airport.

Forthcoming locations: Reagan National Airport later this year, Newark Liberty International Airport in 2026.

Who can use: Eligible American Express cardholders, and those with Delta’s SkyMiles Reserve Card or Reserve Business Card; details vary based on the card. Complimentary guest access depends on credit card use; American Express Platinum and Business Platinum Card Members who spend $75,000 or more a year can bring up to two guests in free per visit.

What’s on offer: A whiskey bar, phone booths and work stations, wellness rooms, food by local celebrity chefs, complimentary massages, game rooms and wine tastings

Capital One

Domestic locations: Dallas-Fort Worth Airport’s Terminal D, Denver Airport’s Concourse A, Dulles International Airport’s Main Terminal.

Forthcoming locations: Harry Reid International Airport.

Welcomed travelers: Venture X and Venture X Business cardholders, who can bring up to two guests per visit. Additional guests cost $45. All other travelers can pay $65 per visit to enter.

What’s on offer: A fitness room with Peloton bikes, nap pods, shower suites, small plate dining options and grab-and-go food, luggage lockers, coffee bars.

Follow New York Times Travel on Instagram and sign up for our weekly Travel Dispatch newsletter to get expert tips on traveling smarter and inspiration for your next vacation. Dreaming up a future getaway or just armchair traveling? Check out our 52 Places to Go in 2024 .

Christine Chung is a Times reporter covering airlines and consumer travel. More about Christine Chung

Open Up Your World

Considering a trip, or just some armchair traveling here are some ideas..

52 Places:  Why do we travel? For food, culture, adventure, natural beauty? Our 2024 list has all those elements, and more .

Mumbai:  Spend 36 hours in this fast-changing Indian city  by exploring ancient caves, catching a concert in a former textile mill and feasting on mangoes.

Kyoto:  The Japanese city’s dry gardens offer spots for quiet contemplation  in an increasingly overtouristed destination.

Iceland:  The country markets itself as a destination to see the northern lights. But they can be elusive, as one writer recently found .

Texas:  Canoeing the Rio Grande near Big Bend National Park can be magical. But as the river dries, it’s getting harder to find where a boat will actually float .