SBI Debit Card Types, Fees, ATM Limits & Benefits

SBI debit cards: Full variant list

SBI offers a wide range of debit cards catering to different banking needs, from basic cash withdrawals and online payments to premium lifestyle and international spending. These SBI debit card variants are available across RuPay, Visa, and Mastercard networks. The eligibility depends on the account type, customer segment, and relationship with the bank.

Some of the major SBI ATM card types include:

• Classic/Basic Cards: SBI Classic Debit Card, SBI Global International Debit Card.
• Silver and Global Cards: SBI Silver International Debit Card, SBI Global International Debit Card.
• Platinum and Premium Cards: SBI Platinum International Debit Card, SBI Mastercard World Debit Card, SBI Pragati Platinum Debit Card, SBI Nari Shakti Platinum Debit Card.
• Contactless Cards: SBI Global International Contactless Debit Card, SBI One Touch Debit Card, SBI IOCL Co-Branded Contactless RuPay Debit Card.
• RuPay Variants: SBI RuPay Global, SBI RuPay Platinum, SBI IOCL Co-Branded RuPay Debit Card.
• Visa and Mastercard Variants: SBI Global International and SBI Platinum International cards are available on Visa, Mastercard, and RuPay networks.

SBI Debit Card variant comparison

SBI offers debit cards across multiple customer segments, ranging from basic banking cards to premium lifestyle and business variants. The key differences between SBI debit card variants lie in their annual charges, ATM withdrawal limits, spending limits, and value-added benefits such as rewards, insurance, and lounge access. Before choosing a card, compare the applicable fees and transaction limits to ensure they match your banking and spending requirements.

Card variant	Network	Annual fee	Issuance fee	ATM withdrawal limit	POS/E-commerce limit	Key benefits
SBI Classic Debit Card	RuPay / Visa / Mastercard	₹200 + GST	Nil	₹40,000/day*	₹50,000/day	Basic banking and domestic transactions
SBI Global International Debit Card	RuPay / Visa / Mastercard	₹200 + GST	Nil	₹40,000/day	₹75,000/day	International usage, contactless payments, SBI Rewardz
SBI Gold International Debit Card	RuPay / Visa / Mastercard	₹175 + GST	₹100 + GST	₹50,000/day	₹2,00,000/day	Higher transaction limits and international acceptance
SBI Platinum International Debit Card	RuPay / Visa / Mastercard	₹250 + GST	₹300 + GST	₹1,00,000/day	₹2,00,000/day	Airport lounge access, SBI Rewardz, higher spending limits
SBI Mastercard World Debit Card	Mastercard	Not disclosed	₹800 + GST	Up to ₹2,00,000/day	Up to ₹5,00,000/day	Premium travel and lifestyle privileges
SBI Pragati Platinum Debit Card	RuPay	Not disclosed	₹399 + GST	Up to ₹1,00,000/day	Up to ₹1,00,000/day	RuPay Platinum benefits and higher limits
SBI Nari Shakti Platinum Debit Card	RuPay	Not disclosed	₹499 + GST	Up to ₹1,00,000/day	Up to ₹5,00,000/day	Benefits tailored for women account holders

Classic, Silver, Global, Platinum, and Premium Cards

Classic and Silver debit cards are designed for routine banking transactions and cash withdrawals. Global cards add international acceptance and higher spending limits, while Platinum and premium SBI debit cards provide enhanced transaction limits, reward points, insurance coverage, and lifestyle benefits such as airport lounge access.

RuPay, Visa, and Mastercard Options

Most SBI ATM cards are available on the RuPay, Visa, and Mastercard networks. RuPay cards offer broad domestic acceptance and network-specific benefits, whereas Visa and Mastercard variants provide wider international acceptance. Availability of a particular network may depend on the selected card variant and account eligibility.

SBI Debit Card annual charges and issuance fees

SBI debit card fees vary by card variant. While most debit cards are issued free with eligible savings accounts, annual maintenance charges apply from the second year onwards. Customers may also incur charges for card replacement, international transactions, and certain value-added services. Reviewing the applicable SBI debit card annual charges can help you avoid unexpected costs and choose the right card variant.

Fee type	Charges
Debit Card Issuance (Classic/Silver/Global)	Nil
Annual Maintenance Charge (Classic/Silver/Global)	₹200 + GST
Annual Maintenance Charge (Platinum)	₹325 + GST
Debit Card Replacement	₹300 + GST
International Transaction Currency Mark-up	3.5% + GST
SMS Alerts (where applicable)	As per SBI service charges

Daily ATM withdrawal and POS/online spending limits

SBI sets separate transaction limits for cash withdrawals, merchant payments, and online purchases. The ATM withdrawal limit is the maximum cash amount that can be withdrawn in a day, while the POS limit applies to card payments made at stores. The e-commerce limit governs online transactions on websites and apps. These limits vary across SBI debit card variants, with premium cards generally offering higher spending limits than entry-level cards.

Card type	ATM limit	POS limit	E-commerce limit
SBI Classic Debit Card	₹40,000/day	₹50,000/day	₹50,000/day
SBI Global International Debit Card	₹40,000/day	₹75,000/day	₹75,000/day
SBI Gold International Debit Card	₹50,000/day	₹2,00,000/day	₹2,00,000/day
SBI Platinum International Debit Card	₹1,00,000/day	₹2,00,000/day	₹2,00,000/day

How to apply for or upgrade an SBI Debit Card?

Existing SBI customers can apply for an SBI debit card through their home branch, the YONO SBI app, or SBI Internet Banking. During the application process, customers can select an eligible card variant based on their account type and banking relationship. To apply through YONO or Internet Banking, navigate to the debit card services section and submit the request online.

For an SBI debit card upgrade, customers can request a higher-tier card, such as Gold, Platinum, or a premium variant, via digital channels or at a branch. Eligibility depends on the account category and the specific card’s requirements. Once approved, the new debit card is typically dispatched within 7–10 working days, though timelines may vary by location and card type.

SBI Debit Card features, rewards, and insurance cover

Key SBI debit card benefits vary by card variant, network, and account type. Some of the common features available across SBI debit cards include:

• Contactless payments: Many SBI debit cards support tap-and-pay for faster, more secure payments at contactless-enabled merchant terminals.
• Domestic and international usage: Selected cards, such as Global and Platinum variants, can be used for ATM withdrawals and purchases in India and abroad.
• Reward programs: Eligible cardholders can earn SBI Rewardz points on qualifying transactions and redeem them for vouchers, products, or services.
• Airport lounge access: Premium cards, including select Platinum and Mastercard World variants, offer complimentary access to domestic airport lounges.
• Insurance cover: Depending on the card type, customers may receive complimentary personal accident, air accident, or purchase protection cover.
• Security features: EMV chip technology, transaction alerts, online usage controls, and card-blocking capabilities help protect against fraud.

How to activate, block, or replace an SBI Debit Card?

SBI customers can activate a new debit card by generating an ATM PIN at an SBI ATM, via the YONO SBI app, through Internet Banking, or via the SMS-based Green PIN service. Once the PIN is generated, the card can be used for ATM withdrawals, merchant payments, and online transactions.

If a card is misplaced or compromised, customers can temporarily or permanently block the SBI ATM card through YONO SBI, Internet Banking, customer care, or by visiting a branch. For lost, stolen, or damaged cards, a replacement request can be submitted online or at the home branch. The replacement card is generally dispatched within a few working days. Customers can also contact SBI’s 24×7 customer support channels for assistance with card activation, blocking, and replacement requests.