Can an SBI employee call for credit card upgradation? If they have sent an OTP, is it okay to share it with them? What if they gain access to my account, can they make any changes to it?

If an SBI employee calls you about a credit card upgrade, it’s possible they might be legit, but here’s the important part — never share your OTP with anyone, not even an SBI employee. OTPs are meant to protect your account, and no real bank employee will ask for them over the phone.

Here’s why sharing your OTP is a bad idea:

They can access your account and make unauthorized changes.
You risk losing money if they conduct transactions without your permission.
They could steal your identity and use it for fraud.
If you’re ever unsure about a call, just hang up and call SBI’s official number to verify. If you’ve already shared your OTP, act fast:

Block your card by calling SBI immediately.
Change your passwords and monitor your account for weird transactions.
Report it to SBI and, if needed, cybercrime authorities.
Remember bro, never share your OTP, and if something feels off, always confirm directly with the bank.