SBI Debit Card: Types, Features, Eligibility & Charges

SBI debit card is a card issued by the State Bank of India to its customers that enable them to take out cash from ATM machines, transfer money electronically or make a purchase online.

Unlike credit cards, a debit card is directly connected to your bank account and when you do a transaction with it, the money gets deducted from your savings account.

SBI (State Bank of India) provided different debit cards for their customers for their convenience including virtual debit cards, global and international debit cards, co-branded cards, rupay debit cards and many more.

The SBI debit card features varies from one card to another. Some debit card will provide you basic features whereas the platinum and global cards have added benefits.

The eligibility and charges of SBI debit cards also varies according to the type of card and the features you want.

State Bank of India, known as the ‘Banker to Every Indian,’ offers a diverse range of Debit Cards tailored to meet the needs of all customers. These cards provide various advantages, features, and transaction restrictions.

State Bank of India is an important international public sector bank in India, with a quarter of the market share, and also has an excellent track record in the country’s banking sector.

SBI (State bank of India) provides a wide range of debit cards to meet the diverse needs of its clients.

Read on to explore the range of SBI Debit Cards, their Types, Features, Eligibility and Charges.

Types of SBI Debit Cards

SBI Debit Cards are available in several categories, each precisely designed to meet the different needs of the bank’s large customer base. Let’s see its type:

Card Type   Daily Withdrawal Limit  Annual Fee
SBI Virtual Debit Card Rs. 40,000Nil
SBI My Card International Debit CardRs. 40,000Rs. 175 plus GST
State Bank Global International Debit Card Rs. 40,000Rs 125 plus GST
State Bank Gold International Debit CardRs. 50,000Rs. 175 plus GST
State Bank Platinum International Debit CardRs 1,00,000Rs 250 plus GST
SBI IOCL Co-Branded Contactless RuPay Debit CardRs. 40,000Rs. 125 plus GST
SBI Mumbai Metro Combo cardRs. 40,000Rs. 175 plus GST
SBI debit cards-types, withdrawal limit and annual fee

SBI Virtual Debit Cards

SBI Virtual Debit Cards

The State Bank Virtual Card, also known as the Electronic Card or e-Card, is a debit card with predefined spending limitations created exclusively for e-commerce transactions. 

It provides a convenient and safe way to perform online transactions without disclosing your primary card or account information to the retailer.

You can use virtual debit cards at all online platform that accepts MasterCard or Visa and function identically to regular debit cards.

This card gives users the flexibility to make online transactions while protecting their primary card information.


  • Physical Card is not required for transactions. 
  • Each customer account is limited to one virtual card. 
  • You can’t use virtual cards for cash withdrawals.


To become eligible for the SBI Virtual Debit Card, you must: 

  • The age requirement for applicants is between 21 and 60 years old.
  • You should be an Indian resident or NRE. 
  • You should have an online savings account with SBI 


SBI My Card International Debit Card

SBI My Card International Debit Card

The SBI My Card International Debit Card provides quick access to your account at any time and from any location. You can use it to make online payments and withdraw cash both locally and internationally.

In addition, an EMV chip is included in the SBI My Card International Debit Card, which improves transaction security.


  • This debit card is available in both Visa and MasterCard formats. 
  • Cash withdrawals are available at ATMs.
  • You have the flexibility to shop at over 600,000 merchant outlets nationwide.


To become eligible for the SBI My Card International Debit Card, you must: 

  • The age requirement for applicants is between 21 and 60 years old.
  • Should be an Indian resident or NRE. 
  • Should own a savings account with SBI. 

State Bank Global International Debit Cards

This SBI Global International Debit Card allows you to withdraw cash anywhere in the world.

To provide additional security, the card contains an EMV chip. Customers using this debit card can earn twice as many reward points on three consecutive transactions every three months. 

They can also enjoy cashless shopping and earn unlimited Freedom Rewards points on all debit card purchases.


  • The bank has partnered with over 52 lakh merchants within the country and also more than 30 million worldwide.
  • Cardholders can withdraw cash from ATMs.
  • The PIN will not be requested if the NFC is enabled. The card is used at NFC terminals for transactions up to ₹5000/-. 


To become eligible for this card, you must fulfill the following 

  • The age requirement for applicants is between 21 and 60 years old.
  • You Should be an Indian resident or NRE. 
  • You should have a savings or current with SBI. 

State Bank Gold International Debit Card

SBI Gold International debit cards give users a very high transaction limit of Rs 2 lakhs daily. It allows optimum flexibility in both POS and online transactions. 

Cardholders receive free life insurance coverage of up to Rs 2 lakh. The card also includes Rs 5,000 in theft or damage protection insurance for 90 days after you receive it.


  • Shopping is allowed at over 30 million merchant locations worldwide.
  • Cash can be withdrawn internationally.
  • It is possible to carry out secure e-commerce and online purchasing transactions.


  • The age requirement for applicants is between 21 and 60 years old.
  • Should be an Indian resident or NRE. 
  • Both single accounts and joint accounts can apply for this debit card
  • Should submit KYC documents.  

SBI Platinum International Debit Card

SBI Platinum users can use the SBI Platinum debit card to buy goods, book cinema tickets, pay utility bills, and conduct online activities. The card is also designed for worldwide use. 

Customers can earn up to three times their reward points for consecutive transactions. Cardholders also receive complimentary life insurance of Rs 5 lakhs for 90 days after receiving their card.


  • You will receive 2 State Bank Rewardz points for every Rs.200 spent on your debit card.
  • Reward points collected throughout the Birthday month will be counted as double.
  • The SBI Platinum Debit Card is compatible with RuPay, VISA, and MasterCard.


  • Indians and NRE can apply for an SBI Platinum International Debit Card.
  • You should be a SBI bank customer to apply for this debit card. 
  • You should hold a Savings, Current, Super Saver, Loan Against Shares (LAS), or salary account with SBI.

SBI IOCL Co-Branded Contactless RuPay Debit Card

The SBI IOCL Co-Branded RuPay Debit Card is a contactless card that can be issued to all existing and new SBI customers. It has been designed to earn additional Reward Points at all IOCL retail shops and includes an EMV chip. 

The card is available in two variants: “Global” and “Platinum.” They are named Rupay SBI IOCL Global and Rupay SBI IOCL Platinum. 

As the name suggests, the IOCL (Indian Oil Corporation Ltd.) cards provide rewards on every fuel transaction that you do at IOCL outlets.


  • Cards accept contactless payments for transactions of up to Rs. 5,000. 
  • Use the card internationally for shopping, cash withdrawals, or POS.
  • For every Rs. 200 transaction at IOCL, you will earn 6 reward points, and on other POS or E-commerce outlets, you will earn 2 reward points.


To be eligible for an SBI IOCL Co-Branded Contactless RuPay Debit Card, you must be an existing or new SBI customer with an account at SBI.

SBI Mumbai Metro Combo card

SBI has introduced this card for its clients who frequently use the Mumbai Metro to commute. The debit card also serves as an access card for the Mumbai Metro, providing various benefits. 

The card saves cardholders a lot of time because they don’t have to wait in ticket lineups at Mumbai Metro stations. Customers can also use a debit card to pay bills, shop online, and withdraw cash.


  • You can enjoy a daily cash withdrawal limit of Rs. 40,000 and a daily POS limit of Rs. 75,000.
  • Earn additional reward points for your initial purchases. 
  • Earn 50 Freedom Reward points for the first transaction you make with your card.


To be eligible for the SBI Mumbai Metro Combo Debit Card, you must be a Mumbai resident who regularly uses the Mumbai Metro and has an active SBI account.

How To Apply For SBI Debit Cards?

To apply for SBI debit card, you can either choose the online methods or use the offline methods. We would recommend you to apply it online through SBI net banking or Yono App, as these are the easiest methods to apply for a debit card from anywhere.

The other methods to apply for SBI debit cards are given below.

  • SBI net banking (online)
  • SBI YONO App
  • Calling Customer Care Number (offline)
  • Visiting Branch (offline)
  • Request for a Debit/ATM card by sending an email to SBI’s official email ID.

We have a complete guide on how to apply for SBI Debit cards where you can learn all the ways to apply for an SBI debit card with correct steps.

Can I earn rewards with my SBI debit card?

Yes, you can earn rewards points with your SBI debit card when you frequently use it for purchases. 

Can I get an SBI Debit Card in one day?

No, you can’t get an SBI debit card in a day as it takes approximately seven working days to receive your debit card after submitting the debit card application form to your SBI branch.

Can a person have more than one debit card?

Yes, you can have more than one SBI debit card but each card will have a maximum limit of Rs 50,000 only.

Which SBI debit cards provide access to Airport lounges?

SBI Platinum International Debit Cards and SBI Platinum Debit Cards provide access to airport lounges in India and other foreign countries.


SBI Debit Cards are available in various categories, each specifically tailored to fulfill the diverse demands of the bank’s huge customer base. If you are looking to open an account at SBI, then you should know the types of debit cards offered by SBI. One can get a debit card based on their needs. 

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