SBM Smile Prepaid cards for your online purchases

Since a few weeks, SBM has introduced a new card in its game. The SBM Smile Prepaid Card.

As you perhaps guessed, the card works a bit like your prepaid sim card. You can for buy pre-loaded cards (Up to Rs20,000) and non-loaded cards (Rs30-150,000) and use it anywhere, just like a debit card and also, use it for online purchases.

The similarities/differences as compared to a debit card or a credit card :

  • Limit of Rs10,000 per day for the MUR card and up to Rs20,000 for the foreign card.
  • Similarly as the debit card, the money is yours. So no interests charged like the credit card.
  • You have a PIN code to protect unauthorized access to the money onto your card.
  • The card is valid only 6months
  • Any money unused after the 6months can be transferred back to your main account.
  • The prepaid card is VISA branded.
  • Whenever needed, recharge your prepaid card by transferring money to it (through banks)
  • Card activated on the same day of application made.
  • For those travelling, there exists 6 different currencies for the foreign card and unlike the MUR card, this one can be recharged through internet banking.

What can make me get hold of a smile prepaid card?

Below are some desirable features to make the prepaid MUR card more widely accepted :

  • Very important : Allow recharging through Internet Banking or ATMs to remove the hassle of going to a bank for recharging the card.
    For example, it does not really make sense for a parent to lose precious time going to the bank monthly when he needs to top up his kid’s pocket money onto the card.
  • Remove (or Increase) the Rs10,000 daily limit (The card holder needs to understand the risks)
  • 6months validity is a too short period. Increase it.

Without the above mentioned, the card is not too different from the debit card I use daily, while doing my purchases in the supermarket or to withdraw money from an ATM. The limit is still Rs10,000, there is still an application fee each time I need a new card and if am not mistaken, there is no interest accumulated for the money on the prepaid card, unlike for the money which is accessible through my debit card.

More or less similar to the debit card, except that it normally allows internet purchases. No more credit card needed. I am much tempted to get one of the cards to verify if it really works for online purchases through Paypal/eBay.

Anyone wants to try it and let us know? Please share your suggestions/critiques about this new card.

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  • Try it & see if it’s a prepaid credit card. Might be worth it then. 🙂

  • Splash

    Debit card has a limit for withdrawal at ATM depending on banks, for example at Barclays it’s Rs 20,000.
    Paying directly with your debit card, the minimum limit does not apply.
    I was told by the bank representative before leaving Mauritius and I can confirm.

    For credit cards, most of the payment effected online would require a billing address.
    Several websites didn’t not allow payment since my credit card has a Mauritian address and I was forced to enter a US address.

  • Glad to see that prepaid cards are creating a market in India too.

  • Bhooks

    Can money be deposited on this Card? If No, then the Credit Card is still needed 🙂 Betting Sites

  • Lina

    @ Bhooks: yes you can recharge the card. its just like your sim card for your mobile. you recharge it, you use the credit in it and it is absolutely not linked to your bank account.

  • Tony2tones

    I do like this idea, it gives the locols as well as myself the ability to make online purchases, then i’m all in 🙂

  • If am not mistaken, you can deposit money only by queuing up at the bank. No Internet Banking etc, at least not for the MRU card.

  • Akashsky

    Where is the trick?

    Because the local banks being vampiric as hell, they must be charging you somehow: what’s the real and total cost of that service?

  • Lina

    Their tricks: 
    – they use their own exchange rate
    – the card is valid for 6 months only so that you need to buy a new one after that
    – i guess that the businesses which debit the card have to pay some sort of commission to the bank; some kind of merchant service fee.
    – and i am sure that there should be lots more

  • Ashfaqmeeah

    One important point .. and not the least.. 

    This card can be used to PAY ONLINE !. Which is not possible for persons like university students who don’t have a credit card .. or even workers who don’t have a fixed salary. 

    This will allow a lot of persons to buy online. Which is not possible with the SBM Visa debit card nor the MCB debit card which most people have.

  • Akmauritius

    Yes your are Right and Thats the Important Point.If we Buy something Rs100 we have to Pay some this type of card easily available from worldwide but not acceptable everywhere.I have One card which i Buy Online and Everytime on Single Purchase i have to pay 1$ Extra means around 30rs or less/more Mauritian Rupees.Its Useless….. Please Confirm and Update Us Ashvin about Transaction Commission.Thanks

  • yashvin, yashvin, yashvin… not ashvin!

    This is for you, a gift on my behalf 🙂

  • Crusader

    I think it’s better to get the PayPal Mastercard debit card instead.

    ‘sounds less of a hassle.

  • Crusader

    The CIM credit cards are actually easy to get.

    People with unfixed salaries can have it.

  • Lina

    i thought PayPal was limited only to people living in Europe and US ! I must check this out.

  • Lina

    yeah, that’s why their service is so poor ! CIM card is the last one I would use !

  • Anonymous Coward

    Tried it out for an online purchase, works seamlessly.
    I tried to add the card to my paypal account the same day it was issued, and as expected paypal didn’t allow me to. The next day, it was added successfully(activated in the morning, <24 hours since it was issued, so it's probable they activate it at ~midnight)

    What's cool is that you don't need to confirm/link the card to your paypal account (a procedure which confirms it's your card. paypal temporarily removes $1.95 from your card, then after some time you check the code on mini-statement and enter the code on paypal's website) which normally takes 1-2 days [i think]. So you can make your purchase the next day you got the card.

  • Viz0r


    Thanks for putting up this blog post about SBM’s Smile cards.
    As far as I know, prepaid cards branded with the VISA logo can be used as a funding source for your Paypal account. But lately, Paypal started screwing things up since they can’t verify your address and confirm you’re over 18 (but wait… VISA is the issuing authority and naturally our local bank does ask for your ID/those details etc when signing up!)

    To confirm everything, better give SBM a phone call and ask for compatibility.
    They’ll surely reply. It would shock me if they’re unaware of the existence of Paypal though.

  • Adarsh

    Can it be used as a credit card?

  • Crusader

    Wrong, Lina. Don’t know where you got that intel but I’ve never had any problems with CIM’s Mastercard. I just always deposit money before use. i.e. I use it like a debit card

  • Crusader

    Yes, CIM never makes big profit from people like me.

  • Viz0r

    Just to update.
    The thing works – at least for my Travel Card! All you have to do:1. Call at the nearest SBM branch and ask for a Travel Card.You’ll be required to supply proof of your identity (NIC or Passport) and fill out the same form available on its website. If you’ve got a bank account already at SBM, that will avoid you the hassle to topup your prepaid card in cash. As a side note, be aware that you can topup till the permissible amount. An activation fee will be charged – so make sure you ask for the terms and conditions for the rates/amounts deducted.2. Patiently wait till they’ve processed the formalities – which should not take more than half an hour.3. Collect your card and secret PIN code.4. Wait the next day for an SMS notification that your Prepaid card has been activated and credited with ‘XYZ’ USD (if the currency is in US Dollars). Don’t worry, if you’ve applied on a Friday, you will receive a message on a Saturday!
    5. Now, your card is ready to go!

    If you wish to link it to Paypal, just check out Anonymous Coward’s reply.

    My comments regarding linking your card to Paypal:
    Contact SBM (the hotline they’ve requested you to call for any card-related queries) at least two days after you’ve linked your card to your Paypal account, so as to receive the 4-digit Paypal code. It takes a few days for the transaction to be reflected in your prepaid car’s statement. 

    Remember one thing: your mini statement cannot be produced via ATM. Always call the bank for all your transaction details.

  • Amiirah18

    hello wanted to knw if using the prepaid card on online betting workd??? how to remove money after wining???? can we still use the prepaid card??? help

  • Inf

    Thanks for this! Somehow, I missed this article and the people on Twitter were talking about it. It’s a good addition to Mauritian banking. Can it be used directly online like a credit card to make purchases?

    Can it be linked to Paypal? I doubt this will be very useful considering 6 months validity but I’m just asking.

  • Probably yes, if it allows its use as a credit card but I haven’t tried yet personally.

  • Inf

    Is there a charge of some sort to get one of these cards? Instead of getting a big amount card and linking it to paypal, maybe we can have many smaller-amount cards and use them for individual purchases?

  • Frankly, I completely forgot whether the card is free or not lol. I count on you to provide us with this piece of data when you are enquiring 😉

  • Avinashpuncheon

    which card have you put in your paypal

  • using my second card 🙂

    still wodnering about a reloadable card or not :S
    reloadable card needs to be filled with 20 000 MRU to be reloadable 🙂 

  • Catherine

     Hello, where should I check the code? Im not finding it on my paypal account. Its been one week since I’ve registered.

  • If am not mistaken, you should have the code from the statement of the card, not from Paypal. Head to your bank or to a ATM and find the transaction that Paypal carried out for the verification purposes.

  • Catherine

    Thank you Yashvin. Iv checked it numerous time on my PayPal account but there’s no sign of it. I’ll check it tomorrow at the bank .. and will I be receiving the card statement by post ? 

  • Sara

    Alright, I’ll call the bank .. but one thing .. if I’ve registered for the smile prepaid card at port louis then can I go and check the paypal transaction code at rose-hill ?

    One more thing, the card statement won’t come by post ? Coz the code is not on my paypal nor by mail. Im not finding it anywhere.

    Thank you 🙂 

  • You should check your ATM Statement. Push the card it and print a statement instead of waiting the end of month for the statement letter by post.

  • Normally, I think that you can check your ATM Statement anywhere, just like for a debit/credit card.

  • Catherine

     Alright Yashvin, I went at the bank itself and they told me that normally there’s NO card statement for this card. If I need any query, I got to call the hotline. So, there won’t be any card statement by post or by mail. Everything will be done on calling the hotline.

  • VizOr

    Reply comes late 🙂
    Indeed, I mentioned that you should call the bank for your transactions.

  • Tushal

    1) works PERFECTLY with paypal. 🙂
    2) less than 10 mins to complete the registration steps and get the card.
    3) Expiry date is more than 6 month. Mine is strangely 10 months away.
    4) No fees for transactions made using the card.

  • Sara

    I would like to know if we bid something on ebay and we lose that bid. For example if I bid on a ring cost $ 1 and someone else bid on the same item and won it, do I lose my $ 1 ?

  • Don’t worry, you won’t lose any money. Only the winner will need to pay the amount of money he bid. Occasionally, if the winner decides not to buy the item (and upon agreement with the seller), the runner up winner (2nd position) can have the opportunity to buy the item.

    I hope that I was clear in explaining 🙂

  • Sara

    Yeah, you did reply. I thought I lose my money on bidding & not winning. Fortunately its not the case. One more thing, can I change my username on ebay?

    Thanks a lot Yashvin! 🙂 🙂

  • Hehe. Without exaggerating, you are on the blog where you will get damn good answers to your questions. Thank to other people reading and commenting on this blog too 🙂

    Change username? Nothing simpler. Here’s the link :

    Cheers and bon weekend!

  • Sara

    🙂 🙂 🙂
    If I bid something, when is the deadline for me to pay for the item ? Like I bid tonight at 20h, when is the last day for me to pay for the item?
    Thanks 🙂

  • You should read the conditions on the item page. Sometimes you are required to pay immediately and the seller may also give you some time, 7 days I think.

  • Sara

    Thanks 🙂
    tc & keep going ! 🙂

  • Tushal

    It is almost impossible to have a statement of your account to check the details of your every transactions. Like money paid, ect.

    ATM: You can only check your balance, take out money. No option to have a details of transactions.

    Customer Care at regional bank: You can’t get a statement of your transactions.

    This is VERY disappointing since I really wanted to check my payment details as I believe that I have Rs 300 to Rs 500 missing from my account.

    I used a really large sum of money for online purchases in the last 2 weeks. I just want to know how my money was deducted.

    I will be going back to the bank tomorrow. Let’s hope this time, they are able to help me.

  • Yes please. Do keep us updated because it is illogical to think that you can’t have access to the details of your transactions.

  • Viz0r

    I always give the bank a call after every eBay purchase 😀
    Carnet la boutique de retour my friends! Better be sure.

  • Fardeen27

    i have some dollars and i was wondering if it would be possible to put it on this prepaid card without changing it into rupees??

  • I’m pretty sure about it. I dont think that you can directly load your foreign currency into the card but you can convert it at the bank and then, buy a preloaded card at the same bank.

  • Fardeen27

    did you hear about the posh card from bank one???
    it is possible with it
    if i do this then won’t have to bother about the exchange rates when buying online
    sometime they are high whereas sometimes they are low!!

  • Heard about it but still, I dont think that it will be possible. Else, logically, how will the bank benefit if you just send your money directly. Makes no sense, right?

  • Anuj

    HELlo! I NEED card statement to confirm my card, Will i receive it by post.?

  • u will get it online if u have internet banking, else by post. if ever u need the paypal code, just print out a statement from the atm machine.

  • zara

    On the card there is no card holder name.. so when making payment online and it asks for card holder name, what should be done?

  • Hello, could you enlighten me because i dont quite understand how u can check the statement of this card online. For example, what if i dont have a sbm account and buy this prepaid card by cash? Thanks!

  • hello. in that case, you should go to a branch of that bank and ask for a statement, most probably.

  • Yuvhan

    hey am having a problem on paypal to lift the limit off my sbm smile card,,but the thing is,there is no statment so where do i get the code? :s

  • Hello.
    You should go to a branch of SBM.

  • yuvhan

    hey guys,, for the sbm smile card,you don’t have to go to a sbm branch,just call the hotline at the back of your card and you’re done 😀

  • Thanks for the tip! 😛

  • kesh

    can i buy thngf 0nline wiz the sbm smile visa?? does it works with paypal??

  • Yes. That’s what we said above 🙂

  • seb

    hi guys.i got rs1000 and i want to take a foreign card(euro) to bet online.can you help me plz

  • Leckraj

    hi buddy…i have a question…i have already linked my sbm prepaid card to paypal..but i dont see the figures on paypal

    secondly…can i retrieve my online earned money(credited into paypal) from my sbm credit card.?

  • Leckraj

    please replyyyyyyyyy

  • Koushaal Joaheer

    i wanna bet online using this card!!!! but bullshit sites refers this cards as useless!!!
    anylplace i cant bet using this card yashvin??

  • I have just registered in Paypal. I have paid USD 1.95 for verification.
    They are saying to enter a 4-digit code found in the bank statement.
    Where can I find the 4-digit code??????
    Please reply quickly!!!!!!!!

  • hey guys, nid ur help..
    i have a prepaid visa card (mauritian currency) by sbm, i have registered for ebay and paypal, its been 3 days taht my balance on paypal is still 0.00 USD though i have Rs1000 on my account.. Any idea whats going on..

  • Prepaid visa card? Whats that exactly?

  • i went to SBM today they went abt
    when you first start using the card they cut 7-8 dollars (USD card)
    for everytime you reload you pay (1 – 2) dollars

    i dunno about the MRU card

  • figures are not available on paypal !!

  • PAYPAL does not displays money on your card !!!!
    try purchasing
    it will work 😀

  • its the above card the mauritian one 😛
    the one in the picture above XD


  • to get the code you need to call the hotline!!

  • write the name of the person upon whom it was registered

  • Pingback: SBM customers complaining after new banking system rolled in | Yashvin, pages of my life()

  • splitter85

    Hello,does the sbm prepaid card has those 16 digits printed on?I believe you have to enter them so as to link the card to paypal.Am I right?

  • Right. Same as credit cards.

  • splitter85

    Does the sbm prepaid card have the card security code printed on like credit cards?

  • Yes

  • shameem

    can we put money in the card…like receiving payment from paypal or from online betting games?

  • I
    don’t think so.
    You can only recharge it by visiting a branch of your bank.

  • Damini

    Then how do you get the card? By post?

  • Damini

    Hello. 🙂 I already have my sbm smile prepaid card(got it yesterday) but now, how should i proceed to create an account on PayPal? I tried to create one with this card but it’s not getting accepted and i don’t have a credit card. What should i do? Please help me!

  • Hello.

    Is your SBM Smile Card active already? If yes, you should not get any problems. First you create a paypal account and then, you add the card number of your SBM Smile Card to it.

    If you already tried this, can you tell us which error you are getting?

  • Damini

    Yes, they told me this morning it will be activated. I tried to create an account and it said to link a credit card, which i did using this card. Does it work as a credit card? Thanks for replying. I appreciate it.

  • Yes, it is not a credit card but you can put it like that: it is accepted for online payments unlike your ATM card (Debit card).

    Probably the card has not yet been activated in your case.
    You can try later tomorrow or if it still does not work, try it on an ATM.

  • Damini

    Alright. Thank you for your help. 🙂

  • My pleasure.
    Hope that you will be able to use your card soon.


  • Akshay

    Can we link the SBM SMILE Prepaid card to Paypal

  • Yes, that’s what we talked about on this page.

  • Akshay

    well its the first time im using SMILE..
    i got one just yesterday..

    and im always failing at linking it to paypal.
    would be nice if you can tell me the steps..

    i try looking at the messages but there are too much information ,,getting me confused

  • Unfortunately, I haven’t tried myself. And some people commenting below actually tried and succeeded. You should read the comments and ask questions to the appropriate people 🙂

  • akash

    hello am trying to deposit cash to bet 365 via smb smile but it say error

  • You should try from a bank directly.

  • rier mam

    hi.. is it compulsory for mi to have an account at sbm to have the card?

  • I think no. I can’t remember.

  • Bill

    Hello, please help me. On monday I gotzis “SBM Smile Visa card
    I tried many time to buy on Aliexpress/ebay but It kept on telling “payment unsuccessful…..reason: Your bank declined your payment bla bla bla”… what should I do? what do you consider? fed up

  • Has the card been successfully linked on PayPal? Have you tried using the card in a supermarket,just to be sure that it is functional?

  • Kurt Cobain

    i tried buying on aliexpress but when i enter my card number it says its invalid
    can you help me?

  • Hello.
    Unfortunately, I’ve never used aliexpress.
    However, are you sure that you are using a credit card or a debit card?

  • Kurt Cobain

    i use the smile card

  • Weird. It should work.

  • Just to make sure that your card works, did you try using it on an ATM? Or perhaps on eBay?

  • Kurt Cobain

    i use it on bet365 and ebay and it works perfectly
    don’t know why is doesn’t with aliexpress

  • Oh. Then, try to see this point with AliExpress directly.

  • mano likaka

    I need help I got a SMB smile card like 3 hours ago and now when I try to connect it to my paypal it says to use another card :/

  • Probably it has not been activated yet, especially with the new system of SBM being just launched.

  • Meenakshi Chetty


    I have been using the SBM Prepaid card for around a year and twice money has disappeared from my account. Once it was around 82$ where they have taken 3 months to refund the money(not an easy procedure where I constantly have to pester the bank, Gbay Branch) and the second time is 3 months back for 96$ and I still haven’t been refunded. It seems they do not know where the money is. This card is very unreliable and unsafe. I had 2 accounts there for smile prepaid card and I am planning to close it the minute I get my refund. A mistake can happen once but not twice within a year and the funny thing is that they are still looking for the money for the past 3 months. If they do not know where money disappeared in their account who will????

    I do lots of purchases online and unfortunately SBM has lost a good client. I am now working with MCB, and I can also check each transaction made online itself. With SBM, I had to go to the bank every time to check my transaction unless you pay a fee to get a statement.

    Again, please be careful whoever is using the SBM prepaid card. It is very very unsafe.

  • Thanks for sharing these awful experiences :/

  • Joshua Lee Kong – Mo pou causé

    hello Can this card be used to set up paypal to pay only for purchase ?

  • Yes, you can use the card for Paypal.

  • Joshua Lee Kong – Mo pou causé

    yeah i just set up , thanks a lot !!! but i can’t make payment

  • Have you already successfully linked your card to your account by entering the 4 digits from your statement?

  • Joshua Lee Kong – Mo pou causé

    Yes , i got it from the SBM internet Banking

  • Joshua Lee Kong – Mo pou causé
  • Joshua Lee Kong – Mo pou causé

    yes , thats seems Bizzarre !!!

  • Any specific error Paypal is giving you? Normally, once linked successfully, you should be able to carry out any purchase using the paypal account. Do you mind trying a (small) purchase using Amazon or Alibaba? Both of these two sites have their own system and this will allow you to know if the problem is indeed with your card or the link with paypal.