SBI Debit Card: How to Apply, Fees & Features

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:

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 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