To cater to its mammoth-sized customer base, SBI has a variety of debit-cum-ATM cards like SBI Global and SBI Platinum etc. These SBI debit cards provide high cash withdrawal limit with fairly low fees & charges.
Let’s look into the top SBI debit cards, how to apply and activate these debit cards and more.
Best SBI Debit Cards in 2023
Refer to the table below to know the daily cash withdrawal limit & features of all the types of SBI debit cards:
SBI Debit Card | Usage Limit | Charges* | Salient Features |
SBI Global International Debit Card | ATM: Rs 40,000 POS/Online:: Rs 50,000 | Issuance: NIL AMC: Rs 125 Replacement Charges: 300 | Available on RuPay, MasterCard & VISA200 Activation Bonus Points 2 Reward Points for every Rs 200 spent |
SBI Gold International Debit Card | ATM: Rs 50,000 POS/Online: Rs 2 lakhs | Issuance: Rs 100 AMC: Rs 175 Replacement Charges: Rs 300 | Available on MasterCard & VISA Complementary insurance |
SBI Platinum International Debit Card | ATM: Rs 1 lakh POS/Online:: Rs 2 lakhs max. | Issuance: Rs 300 AMC: Rs 250 | Available on RuPay, MasterCard & VISA Airport lounge access |
SBI Mumbai Metro Combo Card | ATM: Rs 40,000 POS/Online:: Rs 75,000 max. | Issuance: Rs 100 AMC: Rs 175 Replacement Charges: Rs 300 | Direct access to Mumbai Metro entry gate + various offers Can be used for shopping as well SBI Rewards Points also provided |
SBI My Card International Debit Card | ATM: Rs 40,000 POS/Online:: Rs 75,000 max. | Issuance: Rs 250 AMC: Rs 175 Replacement Charges: Card cannot be replaced; only fresh issuance allowed | Can be customized SBI Freedom Rewardz Points granted Contactless debit card |
Note: Charges mentioned above attract applicable GST; 1 Reward Point = Rs 0.25
Types of SBI Debit Cards
The following are the different types of SBI debit cards available for the customers:
SBI Global International Debit Card
This card is available on RuPay, MasterCard & VISA. There are 200 Activation Bonus Points awarded when you use it for the first time. Also, you can earn 2 Reward Points for every Rs 200 spent.
SBI Gold International Debit Card
This SBI debit card is available on MasterCard & VISA and comes with Rs 50,000 of daily ATM withdrawal limit.
SBI Platinum International Debit Card
Comes with a high ATM withdrawal limit of Rs 1 lakh with minimal issuance charges of Rs 200. You also get to enjoy airport lounge access with this SBI debit card.
SBI Mumbai Metro Combo Card
This SBI debit card will allow you to have direct access to Mumbai Metro entry gate. You may use it for shopping online or at POS likewise.
SBI My Card International Debit Card
It’s a contactless SBI debit card that can be customized as per the customer’s preference and comes with SBI Freedom Rewardz Points that can be redeemed in future.
SBI IOCL Co-Branded Contactless RuPay Debit Card
This debit card is in collaboration with the Indian Oil Corporation of India (IOCL). It’s issued on RuPay platform and is valid for 5 years. You may get it in 2 variants of ‘Global’ and ‘Platinum’. On using this SBI debit card at any IOCL outlet, customers are awarded with 6 additional SBI reward points. It is available for Gold and Platinum categories and can be used internationally as well.

SBI Debit Card Apply Online
When you open a savings or current account with the State Bank of India, you are given a SBI debit card along with it. At that time, if you’re eligible, you can choose an SBI debit card of your choice.
However, if you want to get another card, you can use the SBI netbanking services and apply online SBI debit card by following these steps:
- Log into Online SBI netbanking portal
- Click on e-Services tab and select ATM Card Services
- Choose Request ATM/Debit Card
- Follow the steps as they appear on your device’s screen next to apply SBI debit card online

Alternatively, you can contact the SBI customer care and get more information to apply SBI debit card online.
How to Activate SBI Debit Card?
Below-stated are the ways via which you can complete your SBI debit card activation easily:
Via ATM – You’ll be provided with an OTP to access your SBI debit card for the first time. Use this at any SBI ATM to activate your debit card.
Via netbanking: Log into your SBI netbanking > e-Services > ATM Card Services > New ATM Card Activation
To activate e-Commerce functionality on your SBI debit card, SMS this:
SWON ECOM NNNN to 09223966666
(NNNN – last 4 digits of your SBI debit card)
How to Generate SBI Debit Card PIN Online?
You can generate SBI debit card pin online using the following methods:
- At SBI ATM – Insert your SBI debit card into an SBI ATM > Select “PIN Generation” option > Enter your SBI A/c number > Enter registered mobile number > Give confirmation > You’ll receive OTP
This OTP will be valid for 2 days. Use it for SBI debit card pin generation online.
- Via SBI Netbanking – Login > ATM Card Services > ATM PIN Generation > Enter OTP > Verify > Create PIN
- Via SMS – Send PIN <Last 4 digits of debit/ATM card><Last 4 digits of A/c number> to 567676
- Customer Care – Call the SBI customer care > select language > Choose ATM and Prepaid Card option > Select option to generate PIN > Enter SBI debit/ATM card number > Enter account number
You’ll receive OTP which you need to use at any SBI ATM within 2 days to generate SBI debit card pin.
SBI Debit Card Customer Care Number
Dial any of the following numbers for queries related to your SBI debit card:
1800 425 3800
080-26599990
1800 1234
1800 11 2211
SBI Debit Card EMI
With SBI debit card, you can easily convert your transactions into SBI Debit Card EMI. This facility is offered to pre-approved customers. SMS DCEMI to 567676 from your registered mobile number to check your eligibility.
The following are some of the important features of SBI debit card EMI:
- Maximum transaction amount of Rs 1 lakh can be converted into SBI debit card EMI
- Minimum transaction amount – Rs 8,000
- Tenure available – 6, 9, 12 and 18 months
- Rate of Interest – 7.50% + 2 year MCLR
- Savings account balance is not blocked
- No documentation required
Check debit cards offered by different banks:
SBI Debit Card: FAQs
You can log into your SBI netbanking account and apply for an SBI debit card under the e-Services tab.
SBI Global International Debit Card, SBI Gold International and SBI Platinum International are some of the most popular SBI debit cards.
SBI Global International debit card is a flagship debit card by SBI which offers contactless international shopping experience. Also, you get SBI reward points on every Rs 200 spent.
You need to have an SBI savings or current account to apply for an SBI debit card.
SBI debit card e-mandate is a solution which enables customers to use their debit cards for recurring payments. It is useful for monthly payment of bills and EMI payments, etc.
SBI AMC starts from Rs 125 and goes up to Rs 250, depending on the type of SBI debit card you have.