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SBI Cards , a joint venture between the State Bank of India and GE Capital , will launch an updated app enabling cardholders to make contactless payments at point of sale ( mobile ) devices in India . The app , set to be launched next month , will use near - field communication to allow customers to make a payment by tapping their phones on to the PoS machine . The move is intended to facilitate the virtualisation of payment cards . SBI Cards currently has a 15 % market share in terms of card ##holders and cards in ##dices , with volume growth rate at 200,000 cards a month .