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SBI Debit Card

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State Bank of India (SBI) offers a variety of debit-cum-ATM cards curated especially 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 limit, reward points, fuel surcharge waiver, complimentary airport lounge access, and much more. As per your savings or current account, you may be offered a 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 for contactless POS transactions via android mobile phones. Find below everything you need to know about SBI debit cards, such as card types, features, benefits, charges, how to apply, etc.

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Updated: 11-07-2025 05:45:56 AM

Top SBI Debit Cards in India July 2025

SBI Debit Card                 Daily Cash Limit                  Key Features
SBI Mastercard World Debit Card
  • Maximum ATM Cash Withdrawal Limit: Rs. 2,00,000
  • Maximum PoS Transaction Limit: Rs. 5,00,000
  • Maximum e-Comm Transaction Limit: Rs. 5,00,000
  • Maximum Contactless Transaction Limit: Rs. 5,000 per transaction
  • Can be used for higher cash withdrawal limit from ATMs and higher transactions limits for Online shopping and e-commerce
  • Complementary Lounge access to select Domestic Lounges in India (2 Visits per quarter)
  • Personal Accident Insurance Cover of 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

 
  • Earn 6 reward points on every Rs. 200 spent on fuel at IOCL petrol pumps
  • Earn 2 reward points on every Rs. 200 spent online or in-store
  • Earn 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
  • International: Varies from ATM to ATM

 
  • Can be used for international transactions
  • Earn 200 bonus points on the first 3 debit card transactions
  • Reward points earned in birthday month are doubled
SBI Platinum Debit Card
  • Domestic: Rs. 100 – Rs. 1,00,000
  • International: No such limit

 
  • Can be used for international transactions
  • Earn 200 bonus points on the first 3 debit card transactions
  • Reward points earned in birthday month are doubled
  • Complimentary airport lounge access
SBI Pragati Platinum Debit Card  

  • Domestic: Rs. 100 – Rs. 1,00,000
  • International: Rs. 50,000
  

  • Domestic Lounge Access every quarter
  • Discounts and Offers on MakeMyTrip, Book My Show and Swiggy One
  • Personal Accidental Insurance – Cover up to Rs 10 lakh
  • Air Accidental Insurance – Cover up to Rs 50 lakh
SBI Gold International Debit Card  

  • Domestic: Rs. 100 – Rs. 50,000
  • International: Maximum of foreign currency equivalent of Rs. 50,000

 
  • Can be used for international transactions
  • Earn 2000 bonus points on the first 3 debit card transactions
  • Reward points earned in birthday month are doubled
 

SBI One Touch

 ·         Transaction Limit is Rs. 5,000 per transaction and maximum of Rs. 15,000 per day
  • For secure and cashless payments
  • Faster checkout at POS terminals
SBI Nari Shakti Platinum Debit Card  

  • Domestic: Rs. 100 – Rs. 1,00,000
  • International: Minimum: No such limit
  • Domestic Lounge Access – 1 visit per year
  • Flipkart voucher Rs. 250 once per quarter
  • Annual Gaana Subscription once per year
  • Nykaa/Ixigo coupon worth Rs. 500 – once per year
SBI My Card International Debit Card  

  • Domestic: Rs. 100 – Rs. 40,000
  • International: Maximum of foreign currency equivalent of Rs. 75,000

 

  

  • Card images can be customized as per the customer’s choice
  • Can be used at 6 Lakh merchant outlets in India, and over 30 million worldwide

Note: The ATM withdrawal limit and features are updated as of July 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, a customer must have a savings or a current account with SBI. 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 the Bank.

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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. Read below to know the features and benefits of having 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
  • Some SBI debit cards just like SBI credit cards offer benefits such as complimentary lounge access and reward points on various purchases. However, the benefits may be subject to various terms and conditions as changed by the bank from time to time
  • SBI Debit cards also offer exclusive EMI offers like low-interest EMI or No-cost EMIs across top shopping portals and brands. This allows you to buy high-value purchases even if you are falling short of funds. The facility can be used at both online & offline stores. Read more about SBI Debit Card EMI eligibility check, features, fee & charges, application process & important things to know
  • The reward points earned on SBI debit cards can be redeemed against a host of products and benefits.

 

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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 branch or use internet banking to request a debit card.

How to Apply for SBI Debit Card Online?

The process for SBI Debit Card Apply Online is as follows:

Step 1: Log into your 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 to send an email requesting a new debit card. The email must be sent at the below-mentioned address:

customercentre@sbi.co.in

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 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 Charges
Annual/ Renewal Fee Varies from card to card
Debit Card Annual Maintenance Charges
 Rs. 200 – Rs. 425 + GST
Replacement Charges Rs. 300 + GST
Debit card Issuance Charges Nil – Rs. 300 + GST
International Transaction Charges
  • Balance enquiry at ATMs: Rs. 25 + GST
  • ATM Cash withdrawal transactions: Minimum Rs. 100 + 3.5% of the transaction amount + GST
  • Point of Sale (PoS)/ eCommerce transactions: 3% of transaction amount + GST

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

You can 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.

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.

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

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.

Q. How to Block SBI ATM Card?

You can block your SBI ATM Card by following these steps 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”.

After successfully blocking your ATM or Debit Card, a success message with a Ticket No. will be shown. Make a note of this Ticket No. for future use for your debit card tracking.

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 ATM Card is best in 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. 40,000, the SBI Gold International Debit Card & SBI Platinum Debit Card offer higher ATM withdrawal limits of Rs. 50,000 & Rs. 1 Lakh, respectively.

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. 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. Additionally, SBI Paywave International Debit Card is a good option if you are looking for a rewards debit card for benefits across dining, fuel & travel booking. 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?

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. However, if your debit card is upgraded on request, you are subjected to pay certain fees & charges, such as annual fees, issuance charges, etc. Click here to check SBI Debit Card Charges.

Q. What are the types of SBI Debit Card?

SBI offers more than 6 different variants of debit cards for domestic and international transactions. Click here to check the list of SBI Debit Cards.

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.

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