Ravi is a working professional from Mumbai. One morning, he makes an online booking for a flight for ₹500, withdraws ₹10,000 at an SBI ATM, and travels hassle-free on the metro, all thanks to his SBI Debit Cards.

Isn't it fascinating how trouble-free his day is? Here's how:

Online Shopping: Buys a movie ticket and earns Reward points. Chilling, isn't it?
ATM Withdrawal: Withdraws money easily at SBI ATMs. What a convenience!
Metro Travel: He enjoys quick, convenient travel with his SBI Mumbai Metro Combo Card and gets reward points. How cool is that?

From global payments to secure transactions and reward points, SBI Debit Cards make Ravi’s day-to-day life hassle-free. Isn’t that what everyone needs?

The SBI Global International Debit Card allows you to make purchases at merchant locations, make online payments, and withdraw cash both in India and worldwide. It features an EMV chip for enhanced security. The card lets you spend directly from your bank account and can be used in shops, online, and at ATMs.

What is an SBI Debit Card?

An SBI Debit Card is a payment card provided by the State Bank of India (SBI) that allows you to make payments or withdraw money from ATMs directly from your bank account. The amount is debited instantly from your associated account. It can be used for various transactions, including online purchases, bill payments, etc.

The card is directly connected to your SBI account, so your money is directly deducted when transacting. You can also withdraw the cash from the SBI or other compatible ATMs. SBI offers various types of debit cards with different features and perks. Some SBI debit cards even allow you to earn reward points on spending and providing you with more value for your purchases.

Top SBI Bank Debit Cards for 2025

SBI Global International Debit Card
SBI Gold International Debit Card
SBI Platinum International Debit Card
SBI Mumbai Metro Combo Card
SBI My Card International debit card
SBI IOCL Co-branded Contactless Debit Card
State Bank of India Virtual Card

1. SBI Global International Debit Card

The SBI Global International Contactless Debit Card provides an effortless, secure, and easy cashless shopping experience. Below is a description of its most essential features and advantages:

Key Features:

Global Acceptance: It can be used for payments at more than 52 lakh merchant establishments in India and over 30 million worldwide.
Cash Withdrawal: It can be used to withdraw cash from SBI ATMs and other ATMs locally and internationally.
Online Payments: Ideal for secure online transactions for services such as ticket booking of films, bill payment, travel tickets, and shopping.
Contactless Payment: The card does not need to be swiped or dipped. Simply wave your card close to the PoS terminal to make a payment.
EMV Chip Security: Contains an EMV chip for greater security and protection of transactions.

Key Benefits:

No PIN Needed for Low-Amount Transactions: Transactions up to ₹5000 do not need a PIN, which is quicker and easier. You can perform up to five PIN-less transactions in a day.
SBI Reward Points: You earn SBI Rewardz points for each purchase, which can be redeemed for rewards.
International Acceptance: The card is issued on RuPay, MasterCard, and VISA to accept you at millions of merchants globally.

Feature	Details
Card Availability	RuPay, MasterCard, VISA
Merchant Outlets	52 lakh in India, 30 million worldwide
Transaction Limit (Without PIN)	₹5000 per transaction, up to 5 PIN-free transactions per day
Security	EMV Chip for enhanced security
Rewards	Earn SBI Rewardz points for purchases
ATM Withdrawals	SBI ATMs and global ATM networks

The SBI Global International Contactless Debit Card is excellent for cashless buying, online purchases, and cross-border transactions. It offers convenience, security, and rewards on your daily spending.

Read More – What Is A Debit Card? Features, Benefits & How To Use Safely?

2. SBI Gold International Debit Card

SBI Gold International Debit Card provides the facility for a cashless shopping experience along with the ability to make secure purchases across the globe and accumulate SBI Rewardz points. The following are the card's most important features and advantages, followed by essential information.

Most Important Features of SBI Gold International Debit Card

Online Transactions: Use the card to purchase movie tickets, pay bills, book travel, and make other online transactions.
ATM Withdrawals: Withdraw cash from SBI ATMs or other Indian and overseas ATMs.
Safe Online Shopping: Enjoy secure e-commerce and online shopping with improved security features.
Earn SBI Reward Points: Earn reward points on your spending, which can be exchanged for various rewards.

Benefits:

Cashless Shopping: Allows payment online as well as offline.
Global Access: Use the card anywhere in the world with no hassle, making payments conveniently at millions of merchants.
Convenience: Convenient access to your home account for spending and cash advances, both domestically and overseas.

Interest Rates:

Home Loan: 8.25% p.a. (Effective from 15.02.2025)

Issuance and Annual Maintenance Charges on SBI Gold International Debit Card

Particulars	Charges
Issuance Charges	₹100 + GST
Annual Maintenance Charges	₹175 + GST
Card Replacement Charges	₹300 + GST

3. SBI Platinum International Debit Card

The SBI Platinum International Debit Card provides a high-end banking experience, with the ease of cashless shopping, worldwide access, and the advantage of earning SBI Rewardz points. The following are the main features and advantages of this card.

Main Features of SBI Platinum International Debit Card

Card Options: Issued on RuPay, MasterCard, and VISA networks.
Global Shopping: You can use it to shop at more than 52 lakh merchant locations in India and 30 million locations worldwide.
Online Transactions: Conveniently make online payments for tickets, bills, travel, and other transactions.
ATM Withdrawals: Get cash at SBI ATMs or any other ATMs worldwide.
Safe Online Shopping: Shop safely online.
Complimentary Airport Lounge Access: Available subject to terms and conditions.

Benefits

Global Access: Make purchases and ATM withdrawals in India and abroad using the card.
Earn SBI Rewardz Points: Earn points on your spending, which can be used to redeem rewards.
Premium Features: Offers extra benefits such as access to airport lounges.

Issuance and Annual Maintenance Charges

Particulars	Charges
Issuance Charges	₹300 + GST
Annual Maintenance Charges	₹325 + GST
Card Replacement Charges	₹300 + GST

4. SBI Mumbai Metro Combo Card

The SBI Mumbai Metro Combo Card provides a hassle-free and convenient mode of travelling on the Mumbai Metro with various advantages for frequent transactions. Below are the key features and benefits of the card:

Key Benefits and Features

Here’s a table summarising the key benefits and features of the SBI Mumbai Metro Combo Card

Feature	Description
Metro Travel Convenience	Tap your card at the metro gates for a hassle-free journey; there is no need to stand in lines for tokens.
Glamorous Metro Offers	Enjoy special offers provided by Mumbai Metro to cardholders.
High Transaction Limits	Cash withdrawal limit: ₹40,000 per day POS transaction limit: ₹75,000 per day
Online Payments	Pay bills and book travel, movie, and other activity tickets online through the card.
MasterCard SecureCode	Secure your online purchases and transactions by enrolling for MasterCard's SecureCode.
Metro Credit	₹50 will be credited to your debit card for usage at Mumbai Metro stations upon applying for the card.
Low Annual Fee	Annual fee: ₹150 (inclusive of GST).
Reward Points	Earn 1 reward point for every ₹200 spent, redeemable for fuel, travel, online shopping, and dining.
Bonus Points	50 points for the first transaction 50 points for the second transaction 100 points for the third transaction
Double Reward Points	Earn double reward points when making at least 3 transactions in a quarter.
SMS Alerts	Receive instant SMS alerts for all transactions made with the card.

Charges

Issuance Fee: ₹100 (with ₹50 being credited towards usage on Mumbai Metro)
Annual Fee: ₹150 (from the second year onwards)
Replacement Fee: ₹204 (in case of loss or theft of the card)

Eligibility

Should have an existing SBI account to apply for the card.

5. SBI My Card International debit card

SBI My Card International Debit Card is a fantastic way to personalise your banking experience. You can personalise your card with a collection of colourful images from the gallery and enjoy the benefits of cashless payments. The card provides international acceptance and protection and is an easy option for regular use.

Main Features of the SBI My Card International Debit Card

Personalised Design: Pick from various colourful pictures to customise your card.
Global Acceptance: The card can be used to shop at more than 6 lakh merchant outlets in India and 30 million outlets internationally.
Online Buying: Purchase tickets for movies, pay bills, book travel, and shop online through the card.
Cash Withdrawal: You can withdraw money from SBI ATMs or any ATM with the MasterCard, Maestro, or Visa logo in India or abroad.
Improved Security: The card has an EMV chip providing additional security for your transactions.
Earn Rewards: Get the advantage of earning Freedom Reward points on your transactions.

Daily Transaction Limits

Transaction Type	Domestic Limit	International Limit
Daily Cash Withdrawal Limit	₹100 to ₹ 40,000	Varies by ATM and country, max equivalent of ₹40,000
Point of Sale (POS) Limit	No limit	Varies by country, max equivalent of ₹ 75,000
Online Transaction Limit	No limit	Max ₹50,000 (subject to regulations, select websites)

Charges

Issuance Charges: ₹250 + GST
Annual Maintenance Charges: ₹175 + GST (from the second year)
Card Replacement Charges: ₹250 + GST (for a fresh card)

6. SBI IOCL Co-branded Contactless Debit Card

SBI IOCL Co-Branded Contactless RuPay Debit Card is specifically for SBI customers who wish to earn extra reward points while making purchases at IOCL retail stores and benefiting from contactless payments. The card has an EMV chip for added security and is offered in Global and Platinum variants.

Key Features of the SBI IOCL Co-Branded RuPay Debit Card

Variants Available

RuPay SBI IOCL Global
RuPay SBI IOCL Platinum

Global Acceptance

The card can be used at more than 6 lakh merchant locations in India and 30 million locations worldwide.

Reward Points

6 Reward Points for every ₹200 spent at IOCL retail outlets.
2 Reward Points for every ₹200 spent shopping, eating out, travelling, and other purchases online or offline.

Activation Bonus

Get up to 300 Bonus Reward Points for making 3 purchases within 2 months from the activation date
Milestone Bonus:
Get 1000 Reward Points for each ₹1,00,000 spent within the financial year.

Birthday Bonus

Get 2x Reward Points in your birthday month.

International Payments

Get 2x Reward Points on international spending, both online and offline.
Partner Brands:
Get additional reward points for shopping from loyalty program partner brands, both online and offline.

Redeem Points

Redeem your points from the SBI Rewardz website, SBI Rewardz App, Yono App, or RINB.

Transaction Limits and Charges

Feature	Global Variant	Platinum Variant
Cash Withdrawal Limit	₹100 to ₹40,000	₹100 to ₹40,000
PoS/Online Transaction Limit	₹75,000	₹2,00,000
Issuance Charges	Nil	₹300 + GST
Annual Maintenance Charges	₹125 + GST	₹250 + GST
Card Replacement Charges	₹300 + GST	₹300 + GST

This card offers fantastic rewards, bonuses, and the convenience of contactless payments, making it an ideal choice for those who frequently use their card for purchases and transactions.

7. State Bank of India Virtual Card

The SBI Virtual Debit Card is a convenient, contactless card from the State Bank of India. It is usable for online and offline purchases and mobile wallet payments through Google Pay and Samsung Pay. The card has no physical form, hence an eco-friendly card with no plastic or chip.

Key Features of the SBI Virtual Debit Card

Issuance

Available to customers with a regular savings account (Non-FI).

Usage

E-Commerce: For online transactions and payments.
Contactless Payments: Supported using NFC-enabled Android phones with mobile wallets such as Google Pay and Samsung Pay.
International Payments: These can be used for international online transactions at some charges.

Transaction Limits

Contactless Limit: ₹5,000 per transaction for tokenised payments (with Google Pay or Samsung Pay).
E-Commerce Purchase Limit: ₹50,000 per day.

Card Validity

5 years.

Charges

Issuance Fee: Nil
Annual Maintenance Charge: Nil

Additional Benefits

Instant Card Generation: The virtual card is instantly generated on demand and can be used immediately.
No Physical Card: The card is virtual, hence eco-friendly.
Card Blocking: You can block and apply for a new card after a 15-day cooling period.
NFC & Tokenisation: Compatible with mobile phones that support NFC and card tokenisation services (MasterCard/VISA).
No Cash Withdrawals: The virtual debit card cannot be used to withdraw cash.

Rewards

Standard Reward: Get 4 Reward Points for each ₹200 spent online or in-store.
Activation Bonus: Get 300 Bonus Rewards on fulfilling 3 transactions within 2 months of issue.
Milestone Bonus: Get 1,000 Reward Points for each ₹1,00,000 spent in a year.
Birthday Bonus: Double reward points during your birthday month.
International Payments: Double points on international transactions.

Redeem Points:

You can redeem your rewards through the SBI Rewardz website, the Yono App, or the SBI REWARDZ App.

Feature	Details
Issuance Fee	Nil
Annual Maintenance Charge	Nil
Virtual Card Validity	5 years
Standard Reward Points	4 points per ₹200 spent

The SBI Virtual Debit Card offers convenience and flexibility for online shoppers, making it a great choice for cashless transactions.

Also Read - What Is A Credit Card? Features, Benefits & How It Works

How do you apply for a New SBI Debit Card?

1. Through Website

Visit the official net banking website of SBI Bank.
Click on ‘Login’ on the top right corner of the page.
Enter your credentials and click on the ‘Login’ option.
After logging in, click on the 'e-Services' option.
Select 'ATM Card Services' from the available services.
To authenticate your request; you will need to provide your Internet banking details and an OTP received on your registered mobile number.
After you submit your request successfully, you will receive information about the estimated delivery date of your new debit card.

2. Offline:

You can apply for a new SBI debit card offline by phone or in person.

By Phone:

Call SBI customer care at one of these numbers:
- 1800 11 2211 (Toll-free)
- 1800 425 3800 (Toll-free)
- 1800 2100 (Toll-free)
- 1800 1234 (Toll-free)
- 080-26599990
Choose your account and card type.
Request a new debit card.

In Person:

Visit your nearest SBI branch.
Ask for the ATM card application form.
Fill out the form with your details.
Submit the form along with documents like ID proof and address proof.
A bank official will verify your documents.
You will receive a confirmation slip with tracking information.

3. Through YONO App:

Here's how you can apply for an SBI debit card using the YONO app:

Download the YONO app from the Google Play Store or Apple Play Store.
Install the application on your device.
Open the application and click on the 'Service Request' option.
Click on the 'ATM/Debit Card' option and enter your profile password.
Click on 'Submit.’
Select the 'Request New/Replacement' option.
Choose the SBI account for which you wish to apply for a debit card.
Enter the required details such as your name, card type, and address.
Select the check box to agree to the terms and conditions and click 'Next.’
You will receive an OTP on your registered mobile number.
Enter the OTP and click on 'Submit.’
After going through the process, you will be provided with a reference number. You can use this reference number to trace the status of your debit card.

SBI Debit Card Charges

Here is the information about Debit Card related charges in a table format:

Sr No	Particulars	Card Variants	Charges
1.	Debit Card Issuance Charges	Classic / Silver / Global / Contactless Debit Card	NIL
		Gold Debit Card	₹100/- + GST
		Platinum Debit Card	₹300/- + GST
2.	Debit Card Annual Maintenance Charges (Recovered at the beginning of the second year onwards)	Classic / Silver / Global / Contactless Debit Card	₹200/- + GST
		Yuva / Gold / Combo / My Card (Image) Debit Card	₹250/- + GST
		Platinum Debit Card	₹325/- + GST
		Platinum Business RuPay Card	₹350/- + GST
		Pride / Premium Business Debit Card	₹425/- + GST
3.	Debit Card Replacement Charges	All Cards	₹300/- + GST
4.	International Transaction Charges
	Balance enquiry at ATMs	All Cards	₹25/- + GST
	ATM Cash withdrawal transactions	All Cards	₹100/- min. + 3.5% of Transaction Amount + GST
	Point of Sale (PoS) / eCommerce transactions	All Cards	3% of transaction amount + GST

Eligibility to apply for SBI Debit Cards

To get an SBI debit card, you must satisfy the following requirements

You must be between 21 and 60 years old.
You ought to have an SBI savings account or a current account.

Your debit card type will be determined by issues such as

The account type you hold.
Your minimum balance.
Your bank relationship.

Documents Required to Apply for SBI Debit Cards

For a debit card for SBI, you will require the following documents

ID proof: Aadhaar card, PAN card, voter ID, passport, or driver's license.
Address proof: Aadhaar card, passport, electricity, water, gas bill, or rent agreement.
Account number: Savings or current SBI account active.
Mobile number: Associated with your SBI account.
Email ID: Associated with your SBI account.
Photograph: Passport-sized.
Other information: Complete name, birth date, phone number, profession, and income information.

How to change the SBI Debit Card Withdrawal Limit?

You can raise your SBI debit card's daily withdrawal limit in three ways: through the SBI YONO app, by visiting an SBI branch, or by calling SBI customer care.

Through the SBI YONO App

Download the SBI YONO App from the Google Play Store or Apple Play Store.
Install the application on your device.
Open the SBI YONO app.
Log in to your account.
Go to the Services section.
Choose ATM Withdrawal Limits.
Check your existing limit and input the new limit you desire.
Submit your request.

Visiting an SBI Branch

Visit an SBI branch.
Proceed to the customer service desk.
Request a change in your ATM withdrawal limit.
Complete any forms provided by the bank.
Verify that your new limit has been activated.

Calling SBI Customer Care

Call SBI customer care at 1800-425-3800.
Listen to the instructions to talk to a representative.
Request a change in your ATM withdrawal limit.
Give any information that is needed.
Listen to any further instructions provided by the representative.

Note: The new withdrawal limit should adhere to the bank's rules.

Benefits of having SBI Debit Cards

Free Transactions:

You can avail free transactions with your SBI debit card at any SBI ATM.

Insurance:

Some SBI debit cards provide free insurance, such as personal accident insurance (in the event of death).

Rewards:

You can gain rewards with SBI's loyalty program by availing your debit card.

Security:

SBI debit cards offer additional security for online transactions to secure your money.

Convenience:

You can easily pay and book cinema tickets and bills using your SBI debit card.

Other Benefits

Open term deposits and apply for other services such as credit cards.
Withdraw cash from ATMs.
Maintain your spending limit.
Use the overdraft facility to spend even when your account balance is low.

Customer Care Details related to SBI Debit Cards

You can reach SBI customer care for debit card-related issues 24/7 by calling:

1800 1234
1800 2100
1800 11 2211
1800 425 3800

Or, you can also call the toll number: 080-26599990.
You can also email SBI customer care at contactcentre@sbi.co.in.

What can you get help with?

Services available at SBI ATMs
Information about your SBI ATM or Debit Card
Any issues or questions related to your SBI debit card

How to report a lost or stolen card?

SMS: BLOCK XXXX to 5676791 (using your registered mobile number)
Block the card via IVR or by visiting the website sbicard.com

How do you report a disputed transaction?

Call the SBI Card helpline immediately.
Regularly check your SBI Card statements for any suspicious transactions.

How to chat with SBI customer care?

Send “Hi” from your WhatsApp number to +919022690226 and follow the instructions from the Chat-Bot.

Conclusion

SBI Debit Cards are an excellent blend of convenience, security, and reward that transforms the shopping experience into an effortless walk in the park. From buying online movie tickets, making cash withdrawals at an ATM, or commuting through Mumbai Metro, these cards make life easy and rewarding.

With just one choice from one such as the Global International Debit Card, SBI Gold, or Mumbai Metro Combo Card, you have the one that is best for you. And with the added advantages of contactless payment, reward points, and intelligent security, SBI offers the best of you wherever you go. So wait no more, make the smart move now.

FAQs related to SBI Debit Card

Q1: How many times can I withdraw using my SBI Debit Card?

State Bank of India permits debit card customers to withdraw amounts ranging from ₹40,000 to ₹1,00,000 from ATMs. SBI offers a maximum of 5 free withdrawals at ATMs per month. If the above limit is crossed, extra charges will be imposed.

Q2: How long will it take to get an SBI Debit Card?

After you have made the request, it typically takes 7–10 working days to get your SBI debit card. The card is sent to your registered address by speed post.

Q3: Can I have two debit cards in one account?

Absolutely, you are allowed to have more than one debit card associated with one bank account. This is particularly useful if more than one person, such as household members, needs to use the account.