Best SBI Debit Cards - Features, Benefits & Eligibility

SBI Debit Cards offer a convenient, secure, and accessible way to manage daily transactions. Customers can choose from various card types and a wide range of options based on their needs and preferences. These cards also provide multiple benefits, including online purchases, cash withdrawals from ATMs, and contactless payments. The cards are linked directly to your savings or current account, ensuring seamless fund access whenever required.

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Hepson Franklin
Hepson Franklin
Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.
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Amit Prakash Singh
Amit Prakash Singh
Co-Founder, Square Yards & Chief Business Officer, Urban Money
Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Moreover, SBI offers debit cards specific to different user profiles, from basic cards for everyday transactions to premium ones with higher withdrawal limits and exclusive privileges. The added layer of security through chip-enabled technology and robust PIN protection further makes SBI debit cards a trustworthy option for daily banking needs. Whether you’re looking to travel abroad, shop online, or simply withdraw cash at an ATM, SBI debit cards have the versatility and security to support your financial lifestyle.

For more detailed information about SBI debit card features, scroll down. Hereunder, we present the top 10 SBI Debit Cards, expected benefits, fees, eligibility, documentation, application procedure, etc. Let’s get started.

Top 10 SBI Debit Cards in 2025

Best SBI Debit Cards – Compare Features, Limits & Fees

Card Variant Details
SBI Global International Debit Card Key Features
  • Cash withdrawal limit: ₹40,000/day
  • POS & online spending limit: ₹75,000/day
  • Accepted worldwide

Rewards

  • Earn SBI Rewardz points on every transaction

Fees & Charges

  • Issuance fee: ₹300 + GST
  • Annual maintenance fee: ₹175 + GST
SBI Platinum International Debit Card Key Features
  • Cash withdrawal limit: ₹1,00,000/day
  • POS & online spending limit: ₹2,00,000/day
  • Accepted worldwide

Rewards

  • Higher SBI Rewardz points on spends

Fees & Charges

  • Issuance fee: ₹300 + GST
  • Annual maintenance fee: ₹250 + GST
SBI Gold International Debit Card Key Features
  • Cash withdrawal limit: ₹50,000/day
  • POS & online spending limit: ₹2,00,000/day

Rewards

  • Bonus reward points on POS spends

Fees & Charges

  • Issuance fee: ₹300 + GST
  • Annual maintenance fee: ₹200 + GST
SBI Nari Shakti Platinum Debit Card Key Features
  • Exclusively for women
  • Cash withdrawal limit: ₹1,00,000/day
  • POS & online spending limit: ₹2,00,000/day

Rewards

  • Extra reward points on lifestyle categories

Fees & Charges

  • Issuance fee: ₹300 + GST
  • Annual maintenance fee: ₹250 + GST
SBI My Card International Debit Card Key Features
  • Customizable card design
  • Cash withdrawal limit: ₹40,000/day
  • POS & online spending limit: ₹75,000/day

Rewards

  • Reward points on all transactions

Fees & Charges

  • Issuance fee: ₹250 + GST
  • Annual maintenance fee: ₹175 + GST
SBI Paywave International Debit Card Key Features
  • Contactless payments up to ₹5,000 without PIN
  • Cash withdrawal limit: ₹40,000/day

Rewards

  • Reward points on all purchases

Fees & Charges

  • Issuance fee: ₹300 + GST
  • Annual maintenance fee: ₹200 + GST
SBI Pride Debit Card Key Features
  • Cash withdrawal limit: ₹40,000/day
  • POS & online spending limit: ₹75,000/day
  • Premium card design

Rewards

  • Reward points on spends

Fees & Charges

  • Issuance fee: ₹300 + GST
  • Annual maintenance fee: ₹250 + GST
SBIINTOUCH Tap & Go Debit Card Key Features
  • Contactless payments
  • Instant issuance at SBIINTOUCH branches

Rewards

  • Reward points on contactless transactions

Fees & Charges

  • Issuance fee: ₹300 + GST
  • Annual maintenance fee: ₹200 + GST
SBI IOCL Co-Branded Debit Card Key Features
  • Extra benefits on fuel spends at IOCL outlets

Rewards

  • 6x reward points on fuel spends

Fees & Charges

  • Issuance fee: ₹300 + GST
  • Annual maintenance fee: ₹200 + GST
SBI Pragati Platinum Debit Card Key Features
  • ATM withdrawal: up to ₹1,00,000/day (domestic); international limits vary
  • POS/eCommerce: up to ₹5,00,000/day (domestic); international limits vary

Rewards

  • 2 points for every ₹200 spent
  • 300 bonus points for first 3 transactions
  • Double points on birthdays
  • 1,000 bonus points on spends ≥ ₹1 lakh/month
  • Double points on international spending
  • Quarterly domestic lounge access
  • Discounts on MakeMyTrip, BookMyShow, and Swiggy
  • Insurance cover: ₹10 lakh (accidental), ₹50 lakh (air accidental)

Fees & Charges

  • Issuance fee: ₹399 + GST
  • Annual maintenance fee: ₹349 + GST
  • Replacement fee: ₹300 + GST

Eligibility Criteria for SBI Debit Cards

Here are the SBI debit card eligibility you must be aware of before initiating your application:

  • Age Requirement: The applicant must be at least 21 years old. (Minors can apply under guardianship.)
  • Account Holding: The applicant should hold a savings or current account with SBI.
  • KYC Compliance: The applicant must be KYC (Know Your Customer) compliant with valid documents.
  • Residency: Both residents and NRIs can apply for an SBI debit card.

Documents Required for SBI Debit Card Application

Here are the expected documents you must require to apply for an SBI debit card online or offline:

  • Proof of Identity: Aadhaar card, Passport, Voter ID, or PAN card.
  • Proof of Address: Utility bill, Aadhaar card, or driving license.
  • Passport-Sized Photographs: Two recent photographs.
  • Bank Account Proof: Passbook or account statement to confirm account ownership.

How to Apply for an SBI Debit Card Online

Let’s examine the step-by-step application process for any SBI debit card type:

  • Log in to SBI Netbanking: Use your credentials to log into the SBI net banking portal.
  • Select ‘e-Services’: Navigate to the e-Services section.
  • Choose ‘ATM Card Services’: From the menu, select the ATM Card Services option.
  • Apply for a Debit Card: Follow the instructions to apply for a new debit card.
  • Choose Card Type: Select the desired debit card type based on your preference.
  • Submit Application: Verify all details and submit your application.
  • Track Application Status: You can check the status of your application online using the reference number provided.

Features and Benefits of SBI Debit Cards

Below are the applicable SBI debit card features:

  • Global Acceptance: SBI debit cards are accepted worldwide, making international transactions easier for frequent travellers.
  • Multiple Transaction Modes: You can use the card for ATM withdrawals, online purchases, and POS transactions.
  • Contactless Payments: Tap and pay up to ₹5,000 without entering a PIN for quicker transactions.
  • Secure Transactions: EMV chip and PIN ensure high-level security for all transactions.
  • High Withdrawal Limits: Premium cards offer up to ₹1,00,000 in ATM withdrawals per day, ideal for high-value transactions.
  • Discounts and Offers: Avail exclusive deals and discounts on shopping, dining, and travel with select SBI debit cards.
  • Free Insurance Coverage: Some cards offer complimentary personal accident insurance coverage, adding a layer of security.
  • Balance Alerts: Receive SMS and email alerts for every transaction, helping you track spending.
  • Easy Bill Payments: Use your card to pay utility bills online, making it a hassle-free payment method.

State Bank of India Debit Cards Activation Process

Here’s a clear guide to activating your SBI Debit Card through net banking:

  • Log in to Net Banking: Access your SBI net banking account with your credentials.
  • Navigate to e-Services: Go to the ‘e-Services’ tab, then select ‘ATM Card Services.’
  • Select Card Activation: Choose the ‘New ATM Card Activation’ option.
  • Choose Account: Select the account linked to your new debit card.
  • Enter Card Details: Input your 16-digit debit card number and click ‘Activate.’
  • Confirm Details: Review your information, then select ‘Confirm.’
  • Verify OTP: Enter the OTP sent to your registered mobile number and click ‘Confirm.’

If your credentials are forgotten, recover them by following our guide on How to Reset or Change your SBI Internet Banking Password.

PIN Generation and Change

Following are SBI Debit Cards’ PIN generation and change:

  • Log in to SBI Netbanking: Go to the net banking portal and log in.
  • Select ‘ATM Services’: Navigate to the ATM services section.
  • Choose ‘PIN Generation’: Select the option to generate or change your PIN.
  • Enter OTP: Enter the OTP sent to your registered mobile number.
  • Set a New PIN: Enter a new four-digit PIN and confirm it.

For step-by-step instructions, read our detailed guide on SBI Debit Card ATM PIN Generation.

Blocking SBI Debit Card in Case of Loss/Theft

Following is the step-by-step procedure to block SBI Debit Cards in case of loss or theft:

  • Log in to Online SBI: Access www.onlinesbi.sbi with your username and password.
  • Navigate to e-Services: Under the ‘e-Services’ tab, select ‘ATM Card Services’ and then ‘Block ATM Card.’
  • Choose the Account: Choose the account linked to the card you wish to block.
  • View Card Details: You’ll see a list of active and blocked cards, displaying the first and last four digits for easy identification.
  • Select and Confirm Card: Choose the card to block, click ‘Submit,’ review the details, and confirm your selection.
  • Choose Authentication Method: Opt for either SMS OTP or Profile Password for verification.
  • Enter OTP or Password: On the next page, input the OTP or Profile Password you selected earlier and click ‘Confirm.’
  • Confirmation Message: A success message with a Ticket Number will confirm that your card is blocked. Save this Ticket Number for future reference.

International Transactions With SBI Debit Card

Here are the steps to activate international transactions with SBI Debit Cards

  • Log in to SBI Netbanking: Access your account using your credentials.
  • Open Main Menu: Navigate to the main menu on the left side.
  • Select ‘Services’: Click on the ‘Services’ option.
  • Choose ‘Manage Card Usage’: Select ‘Manage Card Usage from the options.’
  • Switch Transaction Type: Adjust the transaction type from ‘Domestic’ to ‘International.’

Related SBI services you may find helpful.

Link Description
SBI Customer Care Helpline Number Contact SBI Customer Care for support.
How to Find CIF Number of SBI Locate your SBI CIF Number in simple steps.

FAQs

Which type of SBI debit card is best?

The best SBI debit card depends on your needs. For premium features, the SBI Platinum Debit Card offers high withdrawal limits and exclusive benefits, while the SBI Global International Debit Card is ideal for frequent travellers with global acceptance.

Can I get a SBI ATM card online?

You can apply for an SBI ATM card online through SBI’s net banking portal. Log in to your account, navigate to 'ATM Card Services' under 'e-Services,' and follow the steps to complete the application process.

What is 236 rupees debited by SBI?

A ₹236 debit from SBI may represent an annual debit card maintenance fee. Different cards have varied fees, so checking your specific card’s charges in your account statement or with customer support is advised.

Is the SBI Platinum debit card free?

No, the SBI Platinum Debit Card has an annual fee of ₹250. However, the card provides premium benefits such as a high withdrawal limit, global acceptance, and additional discounts, making it suitable for frequent transactions.
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