Standing Instruction (SI) is a payment instruction given on a merchant’s website mobile app for recurring (periodic, automated) payments. Usually, an SI is set on your credit or debit card for various services such as Telecom, OTT subscriptions, Insurance, Mutual Funds and SIPs as well as Utilities like Electricity, Gas, Water, etc.. Through this SI, cardholder shares their consent with the merchant to debit their card for bills received from merchant against these SI registrations, subject to limit & validity specified by the cardholder.

RBI guidelines emphasizes on increasing safety of Online Recurring Transactions. These guidelines clearly suggests to provide cardholders a platform for viewing, modifying and cancelling their registered Standing Instructions. It also mentions to keep customers informed about all events related to SI such as Debiting the card, Modification, Cancellation, Additional Factor Authentication (AFA, i.e. OTP-based transaction) etc. Please find details below –

1. Additional Factor of Authentication (AFA) will be performed for following:
   1. SI Registration
   2. First transaction debit
   3. Recurring transaction - if amount is greater than Rs. 5,000
   4. If recurring transaction amount is less than Rs. 5,000 but greater than the “SI Limit amount” set at merchant by cardholder
   5. Modification of SI
   6. Deletion of SI

   AFA can be clubbed, if registration and first transaction are done together

2. Pre-transaction notification to cardholders
   1. Pre-transaction notification will be sent for every SI, at least 24 hours before actual debit.
   2. This notification will give the cardholder an “opt out” option for that particular debit or the SI. Any such opt-out shall entail AFA validation.
   3. In case the transaction amount is greater than Rs. 5,000, the cardholder will need to approve this transaction through AFA. In case cardholder doesn’t approve the transaction, Credit Card will decline the same.
3. Cardholders will be able to modify or delete existing Standing Instructions(s).
4. The above guidelines apply to domestic and international recurring transaction spends
5. Post-transaction notification will inform the cardholder about the name of the merchant, transaction amount, date / time of debit, reference number of transaction & reason for debit.

Cardholders can check all their Standing Instructions on our partner (SiHub) platform

This can also be accessed via DBS Card+ IN Mobile App. From the app, customer will be redirected to DBS Bank SiHub platform.

Cardholder can approve given SI by logging into the DBS Bank SiHub platform here: https://www.sihub.in/managesi/

No, card number will not get replaced for Standing Instruction set on the old card, that has been replaced. Cardholder will need to register a new Standing Instruction using his latest card as Recurring Payments for old Card will not get approved by the Bank System