SBI MyCard International Debit Card: Benefits, Charges, Features & Eligibility

Key Takeaways 
 

• The SBI MyCard international debit card lets you use your savings account globally. You can earn 2 Reward Points for every ₹200 spent, along with bonus points like 1,000 points on monthly spends of ₹1,00,000. These are part of the SBI My Card International Debit Card benefits.
   
• The card has a one-time issuance fee of ₹250 + GST and an annual maintenance charge of ₹250 + GST from the second year onwards. These SBI My Card international debit card charges should be considered before applying.
   
• The card allows international ATM cash withdrawals and global merchant payments. The international cash withdrawals are charged at a minimum of ₹100 + 3.5% of the transaction amount + GST.
   

The SBI MyCard International Debit Card is a globally enabled debit card linked to your State Bank of India savings account. It allows you to make secure payments, shop online and offline, withdraw cash internationally, and earn reward points on eligible spends through SBI’s official Rewardz program.

It is issued under the SBI My Card International Debit Card Visa Network, which ensures worldwide acceptance at merchant outlets and ATMs. This card reflects the SBI Global Debit Card benefits offered to customers.

How to Use SBI MyCard International Debit Card? 

India se bahar jaana ho ya international website se shopping, payment smooth hona chahiye! The SBI MyCard International will do it for you!

• Activate international usage through SBI Internet Banking or the YONO app before using the card abroad.
• Use the card at merchant outlets worldwide by tapping, inserting, or swiping it at POS machines that accept Visa, including the SBI PayWave International Debit Card Visa enabled terminals.
• Make online payments on domestic and international websites that accept Visa debit cards.
• Withdraw cash from ATMs in India and overseas that display the Visa logo.
• Enable or disable international transactions anytime through Internet Banking for better control and security.

I used my SBI MyCard International Debit Card for 12 international online purchases worth around ₹45,000 and withdrew ₹10,000 from an overseas ATM last year. I also earned Reward Points on my spends, which I later redeemed for vouchers.

Features and Benefits of SBI MyCard International Debit Card

These features highlight the SBI Global Debit Card benefits available for both domestic and international usage:
 

The card also supports contactless transactions through SBI PayWave international debit card visa, which adds speed and convenience.

Eligibility Criteria for SBI MyCard International Debit Card 

You must fulfil State Bank of India’s standard debit card eligibility conditions to be issued the SBI MyCard International Debit Card:
 

You are eligible to request an SBI MyCard International Debit Card for domestic and international usage once you hold an SBI bank account and complete the bank’s mandatory KYC.

Fees and Charges for SBI MyCard International Debit Card

Here are the fees and charges applicable to the SBI MyCard International Debit Card as per the State Bank of India’s debit card charge schedule:
 

These charges apply when you issue, maintain, or use your SBI MyCard International Debit Card for domestic and international transactions. 

Bonus Tip: SBI and other major banks are updating card benefits and fees from February 2026, which impacts reward structures and travel perks for debit card users.

SBI MyCard International Debit Card Rewards & Cashback 

You can earn Freedom Rewardz points on eligible spends, including bonuses for activation, high monthly spends, birthday month, and international transactions.
 

These Reward Points can be redeemed through the SBI Rewardz platform for vouchers, merchandise, bill payments, travel bookings, and more.

How to Apply for the SBI MyCard International Debit Card?

You can apply for the SBI MyCard International Debit Card through SBI Internet Banking by following these official steps:

1. Log in to your SBI Internet Banking account.
2. Click on e-Services from the menu.
3. Select ATM Card Services.
4. Click on Request ATM/Debit Card.
5. Choose My Card as the card type.
6. Follow the on-screen instructions and submit the request.

SBI will process your request and dispatch the card as per its standard procedure after submission.

Conclusion 

The SBI MyCard International Debit Card gives you global access to your savings with secure payments and useful reward benefits. It is easy to apply and convenient for travel, shopping, and online spending. 

FAQs Related to SBI MyCard International Debit Card 

1. Is SBI MyCard International Debit Card good for international online payments?

Yes. The SBI MyCard International Debit Card is suitable for international online transactions. It works on websites that accept Visa and can also be used for global e-commerce payments after enabling international usage.

2. How can you get an SBI MyCard International Debit Card?

You can apply for the card through SBI Internet Banking. Log in to your account, go to e-Services, select ATM Card Services, choose Request ATM/Debit Card, and then select My Card. You must have an active SBI account with completed KYC to apply.

3. Does SBI MyCard International Debit Card work abroad?

Yes. The card works internationally at ATMs and merchant outlets that accept Visa. You must enable international transactions before using it outside India.

4. Are there extra charges for international transactions on SBI MyCard International Debit card?

Yes. International ATM withdrawals and foreign currency transactions attract charges such as a percentage of the transaction amount plus GST, as per SBI’s official debit card charges.

5. Is international usage enabled by default on SBI MyCard International Debit Card?

No. International usage is usually disabled for security reasons. You must enable it through SBI Internet Banking or the YONO app before making international payments.