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SBI Debit Card

Home Banking in India SBI Debit Card

State Bank of India (SBI) offers a variety of debit/ATM cards curated as per the diverse needs and spending behaviour of its customers. SBI debit cards offer several benefits to its cardholders, such as a high cash-withdrawal and transaction limits, complimentary airport lounge access, reward and bonus points, fuel surcharge waiver, and much more. As per your savings or current account, you may be eligible for a debit card ranging from entry-level to premium category covering benefits related to domestic, international, and co-branded spends. You can even avail a virtual SBI debit card free of cost for contactless Point-of-Sale (POS) transactions. Let's further explore Top SBI debit cards, along with its features, benefits, rewards, fees & charges, how to apply, etc.

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Updated: 01-12-2025 10:19:27 AM

Top SBI Debit Cards in India for December 2025

SBI Debit Card                 Daily Cash Limit                  Key Features
HPCL Co-Branded Debit Card (Everyday Card)
  • ATM Cash Withdrawal Limit: Rs. 40,000
  • POS / e-Comm Transaction Limit: Rs. 2,00,000
  • Contactless Transaction Limit: Rs. 5,000 per transaction
  • 2X Points per Rs. 200 spent at POS in HPCL Outlets
  • Complimentary Domestic Lounge Access – 1 visit per quarter at select lounges
  • Complimentary Insurance Coverage up to Rs. 10 lakh
  • Discounts on Air Fare, Hotels, Car Rentals, Dining, etc. for Platinum variant
SBI Mastercard World Debit Card
  • ATM Cash Withdrawal Limit: Rs. 2,00,000
  • POS / e-Comm Transaction Limit: Rs. 5,00,000
  • Contactless Transaction Limit: Rs. 5,000 per transaction
  • 2 Reward Points per Rs. 200 spent
  • 300 Bonus reward points by making 3 POS or e-comm transaction
  • 2x Reward Points on International spending
  • Complimentary Insurance Coverage up to Rs. 20 lakh
SBI IOCL Global Contactless RuPay Debit Card |  IOCL Platinum Debit Card
  • Domestic: Rs. 100 – Rs. 40,000
  • Daily POS/ Online Transaction Limit: Minimum No Limit and Maximum Rs. 2,00,000
  • International: Maximum of Foreign Currency equivalent of Rs. 50,000

 
  • 6 Reward Points on every Rs. 200 spent on fuel at IOCL petrol pumps
  • 2 Reward Points on every Rs. 200 spent online or in-store
  • 1,000 Bonus Reward Points on POS and E-comm spends of Rs. 1 lakh or more in a month
SBI Global International Debit Card
  • Domestic: Rs. 100 – Rs. 40,000
  • Daily POS/ Online Transaction Limit: Minimum No Limit and Maximum Rs. 75,000
  • International: Maximum of foreign currency equivalent of Rs. 75,000

 
  • Accepted for International transactions
  • 2 Reward Points per Rs. 200 spent
  • 300 Bonus Points on the first 3 debit card transactions
  • Reward points earned in birthday month are doubled
SBI Platinum International  Debit Card
  • Domestic: Rs. 100 – Rs. 1,00,000
  • Daily POS/ Online Transaction Limit: Minimum No Limit and Maximum Rs. 2,00,000
  • International POS Transaction Limit: Maximum of foreign currency equivalent of Rs. 2,00,000
  • International Online Transaction Limit: Rs. 50,000

 
  • Accepted for international transactions
  • 2 Reward Points per Rs. 200 spent
  • Earn 300 Bonus Points on the first 3 debit card transactions
  • Reward points earned in birthday month are doubled (2X)
  • Complimentary airport lounge access
SBI Pragati Platinum Debit Card  

  • Domestic: Rs. 100 – Rs. 1,00,000
  • Daily POS/ Online Transaction Limit: Minimum No Limit and Maximum Rs. 5,00,000
  • International: Maximum of foreign currency equivalent of Rs. 1,00,000
  

  • Domestic Lounge Access every quarter
  • 2 Reward Points per Rs. 200 spent
  • Earn 300 Bonus Points on the first 3 debit card transactions
  • Redeem Reward points on Book My Show and save on home & kitchenware, decor, electronics, pooja items, etc.
  • Personal Accidental Insurance – Cover up to Rs 10 lakh and Air Accidental Insurance – Cover up to Rs 50 lakh
SBI Gold International Debit Card  

  • Domestic: Rs. 100 – Rs. 50,000
  • Daily POS/ Online Transaction Limit: Minimum No Limit and Maximum Rs. 2,00,000
  • International: Maximum of foreign currency equivalent of Rs. 50,000 for Online Transactions and Rs. 2,00,000 for POS Transactions

 
  • Accepted for international transactions
  • 2 Reward Points per Rs. 200 spent
  • Earn 300 Bonus Points on the first 3 debit card transactions
  • Reward points earned in birthday month are doubled (2X)
  • Redeem Reward Points on Book My Show and Travel
 

SBI One Touch
  • Transaction Limit is Rs. 5,000 per transaction and maximum of Rs. 15,000 per day with ‘Tap & Pay’
  • For Secure and Cashless Payments
  • Faster Checkout at Point-of-Sale (POS) terminals
SBI Nari Shakti Platinum Debit Card
  • Domestic: Rs. 100 – Rs. 1,00,000
  • Daily POS/ Online Transaction Limit: Minimum No Limit and Maximum Rs. 5,00,000
  • International: Minimum: No such limit
  • International: Maximum of foreign currency equivalent of Rs. 1,00,000
  • Domestic Lounge Access – 1 visit per year
  • 2 Reward Points per Rs. 200 spent
  • Earn 300 bonus points on the first 3 debit card transactions
  • Discounts on brands, such as Flipkart, Bookmyshow, Gaana, Nykaa, Zee 5, Ixigo and many more.
SBI My Card International Debit Card  

  • Domestic: Rs. 100 – Rs. 40,000
  • Daily POS/ Online Transaction Limit: Minimum No Limit and Maximum Rs. 75,000
  • International: Minimum: No such limit
  • International: Maximum of foreign currency equivalent of Rs. 50,000
  • Card images can be customized as per the customer’s choice
  • 2 Reward Points per Rs. 200 spent
  • 300 Bonus reward points by making 3 POS or e-comm transaction
  • Reward points earned in birthday month are doubled (2X)
  • Can be used for booking movie tickets, bill payments, travel and online purchases and payments.

Note: All the above-mentioned SBI debit cards details are updated as of December 2025.

Know More about SBI Debit Card:
SBI Debit Card Eligibility Criteria
Features and Benefits of SBI Debit Cards
How to Apply for SBI Debit Card?
SBI Debit Card: Fees & Charges
How to Activate SBI Debit Card?
FAQs
SBI Debit Card Eligibility Criteria

To be eligible to apply for an SBI debit card, you must have a savings, current or another eligible account type with State Bank of India (SBI) and complete the KYC (Know your Customer) verification process.

Minors are also eligible for eligible to avail a debit card, however they must apply it under their guardian’s supervision.

However, the type of debit card issued by the bank may depend on several factors, such as minimum account balance and account type, and your relationship with SBI.

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Features and Benefits of SBI Debit Cards
Features of SBI debit cards may vary from card to card, but there are some features common to all debit cards as mentioned below:

  • Direct Account Linking with SBI Debit Cards: All SBI debit cards are linked to your bank account and when you make a transaction using your debit card, the money is deducted directly from your linked account
  • Redeem Reward Points for Exciting Benefits: The reward points earned on SBI debit cards can be redeemed against a host of products and benefits
  • Get Premium Benefits on Select SBI Debit Cards: Several SBI debit cards just like SBI credit cards offer benefits, such as complimentary lounge access, fuel waivers, rewards and bonus points on certain quarterly purchases
  • Avail Low-Interest & No-Cost EMIs: SBI debit cards also offer exclusive EMI offers like low-interest EMI or No-cost EMIs across top shopping portals and brands. This service can be availed for both online & offline transactions. 
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How to Apply for SBI Debit Card?

When you create an account with SBI, you are usually given a debit card as well. However, if you did not receive a debit card or wish to apply for a new one, you can contact SBI’s customer service to submit a request.

You may either visit the bank branch or use Internet banking feature to request a debit card.

How to Apply for SBI Debit Card Online?

Follow the mentioned simple steps to apply for a SBI debit card online:

Step 1: Log into your SBI Internet banking
Step 2: Click on ATM Card Services under the e-Services tab
Step 3: Click on Request ATM/Debit Card
Step 4: Select the card you wish to apply for and provide the delivery address and authenticate via OTP sent to your registered mobile.

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Another way to apply for an SBI debit card online is by sending an email at customercentre@sbi.co.in requesting for a new debit card.

How to Apply for SBI Debit Card Offline?

To apply for an SBI debit card offline you can call the SBI Debit Card Customer Care Number at 080-26599990 or toll-free numbers below:

  • 1800-1234
  • 1800-2100
  • 1800-11-2211
  • 1800-425-3800

You can also visit an nearest SBI branch and fill out an application to apply for a new debit card. You will be notified via SMS on your registered mobile number regarding the dispatch of your new debit card.

SBI Debit Card: Fees & Charges

Some of the common SBI Debit card charges are mentioned in the table below:

Particulars Fees & Charges*
Annual/ Renewal Fee Varies from debit card to debit card
Issuance Charges
  • Classic / Silver / Global / Contactless Debit Card: NIL
  • Gold Debit Card: Rs. 100
  • Platinum Debit Card: Rs. 300
Debit Card Annual Maintenance Charges
 Ranges from Rs. 200 – Rs. 425
Replacement Charges
  • Nari Shakti Platinum: Rs. 499
  • Pragati Platinum: Rs. 399
  • All other Debit Cards: Rs. 300
Debit card Issuance Charges From Nil – Rs. 300
International Transaction Charges
  • Balance enquiry at ATMs: Rs. 25
  • ATM Cash withdrawal transactions: Minimum Rs. 100 + 3.5% of the transaction amount
  • Point-of-Sale (POS)/ e-Commerce transactions: 3% of transaction amount

*Goods and Services Tax (GST) will be applicable on the aforementioned fees and charges.

Note: SBI debit card fees and charges are updated as of December 2025.

Click here to check other associated fees and charges.

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How to Activate SBI Debit Card?

After getting your debit card, you must activate it using your PIN in a few simple steps.

You can generate SBI debit card PIN by both online, as well as offline modes.

Offline Mode

You can also visit your nearest SBI ATM to generate a PIN offline. Here, you will be asked to enter your account number and registered mobile number, after successful verification an OTP will be sent to your registered mobile number. This OTP will be valid for 2 days and can be used to generate a new debit card pin using the ATM.

Online Mode

To activate an SBI debit card online you can use SBI net banking and YONO mobile app. You can also call SBI customer care to assist you in generating the debit card PIN.

If you are an existing user, you can also activate SBI Debit Card for online transactions including e-commerce, and international transactions. This can be done using the YONO SBI App & SMS Banking. Click here to know more about how to activate SBI Debit Card for Online Transactions.

Suggested Read: SBI Debit Card PIN Generation Online & Offline Process

Q. What is an SBI ATM/Debit Card?

SBI ATM/Debit card is a payment card that is directly linked to your SBI savings or current account. It is primarily used to access your own funds in form of cash withdrawals from ATMs, online shopping, make online or offline purchases, transfer funds and much more.

Q. How can I get new SBI ATM Card?

You can get a new SBI ATM card by applying for a debit card online via SBI Internet Banking or by contacting the bank at their customer care. Additionally, you can also visit the bank in person at your nearest SBI Branch.

Q. Can I activate my SBI debit card without visiting an SBI ATM?

Yes, you can still activate your SBI debit card through internet banking or YONO app.

Q. How long does it take to activate my SBI ATM card?

Your SBI ATM card activation happens instantly just after successful PIN generation.

Q. Can I request a SBI debit card online?

Yes, you can apply for an SBI debit card online using the net banking facility. Here, navigate to the ‘e-services’ tab and select the option, ‘Request ATM/Debit Card’.

Q. Which debit card is best for ATM withdrawals from SBI?

All SBI debit cards are unique and offer varying ATM withdrawal limits. While the general limit for most cards is a minimum of Rs. 100 to a maximum of Rs. 50,000, the SBI Mastercard World Debit Card & SBI Platinum Debit Card offer higher ATM withdrawal limits of Rs. 2 lakh & 1 lakh, respectively.

Q. Which is the best debit card of SBI?

SBI offers different debit card types that offer varying features & benefits. The best card would be one that is chosen as per your requirements. For instance, for a higher ATM withdrawal limit, you can select SBI Platinum Debit Card. You can also consider this card if you are looking for a debit card with airport lounge access.

If you are looking for benefits around International travel, then SBI Global International Debit Card and for fuel spend, SBI IOCL Global Contactless RuPay Debit Card is a good option.

Q. Is SBI debit card free of cost?

SBI debit cards are offered along with your savings, current, or salary account, and may or may not be issued free of cost, as per the bank’s discretion and associated terms & conditions.

Q. Can I earn rewards on my SBI debit card?

Yes, you do get a reward for using your SBI debit card. These points can be redeemed in the way described on the bank’s website. You may also contact customer service for further information about debit card points redemption.

Q. How can I activate my SBI Debit Card Online?

You can activate your SBI Debit Card Online via netbanking or YONO SBI app.

Q. How to block my SBI Debit/ATM Card?

You can block your SBI ATM/debit card via YONO App by going to the Service Requests – ATM/Debit card services – Block Card – Select your debit card and follow the instructions to block it.

By calling Toll-free number: 1800-11-2211 or 1800-425-3800

Via Internet Banking: Log on to SBI Net Banking >> Under e-services, select the ATM Card Services>Block ATM Card >> Choose the account to which the card is linked>> You will be shown all active and blocked cards, select the card you wish to block>> Verify the details and click “Submit”>> Select the mode of authentication SMS, OTP or Profile Password>> Enter the OTP password /Profile password as chosen earlier and Click “Confirm”.

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