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SBI Debit Card

Debit Card
  • Make online transactions
  • Quick ATM withdrawals
  • Bonus points & gifts

Your SBI debit card at a glance!

  • Shop at over 5 lakh merchant outlets in India with your SBI debit card.
  • Assured rewards from State Bank of India’s Debit Card Loyalty Program.
  • Use your SBI debit cards to book movie tickets and pay utility bills on a completely secure platform.
  • Complimentary insurance coverage for the debit card holder.

Overview

As a premier financial institution, State Bank of India was originally established in 1808 as ‘Bank of Calcutta’. Today, the bank holds the distinction of being the largest public sector bank in the country along with being a Fortune 500 company. SBI offers a wide spectrum of banking services and products comprising of personal banking, agricultural banking, NRI services, international banking and corporate services to a diverse clientele. With the personal banking portfolio forming the crux of SBI’s banking operations, it offers an eclectic selection of debit cards suiting every individual’s requirement. State Bank of India debit cards can be used to transact at over 1 lakh ATMs and customers are entitled to 5 free ATM transactions every month. State Bank also provides e-banking services on secure platforms and online card transactions can be made on merchant websites that have subscribed to Verified by Visa (VbV) or MasterCard SecureCode services.

SBI Service Charge Revision (Modifications and Additions effective on and from June 1, 2017)

Service Charge Description Rate (Revised)
Charges for IMPS transfer of funds via INB, MB, OPI or USSD
More than Rs.2 lakh and up to Rs.5 lakh Rs.25 + GST
More than Rs.1 lakh and up to Rs.2 lakh Rs.15 + GST
Up to Rs.1 lakh Rs.5 + GST
Service Charges for the exchange of Imperfect or Soiled Notes
Value up to Rs.5,000 and up to 20 pieces Nil
Above 20 pieces and/or value above Rs.5,000
When the value is more than Rs.5,000 Rs.2 for every piece or Rs.5 for 1000 along with GST, whichever is more on the entire tender.
Above 20 pieces Rs.2 for every piece on the entire tender along with GST.
Example: Rs.500 (25 pieces) is equal to Rs.12,500 Charges Rs.2 for every piece: Rs.50 + GST Charges at the rate of Rs.5 for every Rs.1000: Rs.62.50 + GST Amount that is chargeable is equal to Rs.62.50 + GST
Service charges for the BSBD (Basic Savings Bank Deposit) accounts
Withdrawals 4 withdrawals in 1 month free of charges. This includes ATM withdrawals too. After the 4 withdrawals are complete:
  • Home Bank ATMs – Rs.10 + GST for every transaction.
  • Other Bank ATMs – Rs.20 + GST for every transaction.
  • At the branch – Rs.50 + GST for every transaction.
ATM Card issuance The RuPay Classic card is the only card that comes free of cost.
Cheque Book issuance Cheque Book with 50 leaves – Rs.150 + GST. Cheque Book with 25 leaves – Rs.75 + GST. Cheque Book with 10 leaves – Rs.30 + GST.
Applicable for the SBI Buddy Wallet customers
Service Charges for State Bank Buddy
Cash withdrawal from the Wallet Balance vis BC (Business Correspondent) – up to Rs.2,000 in multiples of Rs.100 2.50% of the transaction value (Minimum amount of Rs.6) + GST.
Cash deposit in to the Wallet via BC (Business Correspondent) 0.25% of the total transaction value (Minimum of Rs.2 and Maximum of Rs.8) + GST.
Cash withdrawal from the Wallet Balance vis ATM Rs.25 for every transaction.

Types of SBI Debit Cards

State Bank Classic Debit Card

With a State Bank Classic debit card you can enjoy benefits like cashless transactions, easy account access, bill payment options, rewards redemption program and purchases at various merchant outlets across India. The State Bank Classic debit card can be used to withdraw cash from SBI ATMs or from any other bank’s ATM in India. The daily cash withdrawal limit at any ATM is set between a minimum amount of Rs 100/- up to a maximum of Rs 40000/-. At Point of Sale terminals, customers can purchase up to a maximum of Rs 50,000/- using their State Bank Classic debit cards.

State Bank Silver International Debit Card

Access your bank account from any corner of the globe, purchase at over 30 million outlets worldwide, make payments or withdraw cash without any hassles with a State Bank Silver International Debit Card. Double your rewards points with three consecutive purchase transactions on your State Bank Silver International Debit Card in a quarter.

State Bank Global International Debit Card

The State Bank Global International Debit Card offers complete protection against fraudulent transactions as it comes with an embedded EMV chip. Enjoy cashless shopping worldwide, earning unlimited Freedom Rewardz points on all your debit card purchases. With three continuous purchase transactions, customers can double their reward points earned in a quarter.

State Bank Gold International Debit Card

With a high purchase transaction limit of Rs 200,000/-, the State Bank Gold International Debit Card offers maximum flexibility while doing Point of Sale and online transactions. The card also provides complimentary life insurance coverage of up to Rs 2 lakhs to the primary debit card holder. Additionally the card comes with purchase protection insurance for theft or damage of up to Rs 5000/- for a period of 90 days from the date of purchase.

State Bank Platinum International Debit Card

As a Platinum member of SBI, purchase goods, book tickets, pay bills, and perform online transactions conveniently with your State Bank Platinum International Debit Card. Triple your reward points earned in a quarter with three successive purchase transactions done on a State Bank Platinum International Debit Card. Platinum debit card members are provided with free life insurance coverage up to Rs 5 lakhs along with purchase protection insurance of up to Rs 50,000/- valid up to a period of 90 days from the date of purchase.

State Bank Mumbai Metro Combo Card

Commuting on the Mumbai Metro just got easier with the State Bank Mumbai Metro Combo Card doubling up as a payment cum access card with a ton of benefits. The card saves time for commuters, eliminating the need to stand in ticketing queues at Mumbai Metro Stations. The card also works as a shopping card allowing a user to make online purchases, payments and cash withdrawals in India and across the globe.

sbiINTOUCH Tap & Go Debit Card

Introduced as a chip based contactless card, the sbiINTOUCH Tap & Go Debit Card is a one-of-a-kind card from SBI and users can make quick payments by just tapping their debit cards at over 10 lakh merchant locations which accept contactless payments. Enabling users to transact faster, this card can be used to make online payments, shop and withdraw cash in India and across the globe.

Business Debit Cards

The State Bank Business debit card is an entrepreneur’s best friend and has been designed to meet the business requirements of SBI’s commercial banking customers. Customers can keep track of their business expenses, make payments, book tickets for business travel, pay business utility bills and buy business essentials with their EMV chip based business debit cards.

State Bank Pride

Offered a business card, the State Bank Pride debit card caters to self-employed individuals with high cash withdrawal limits of up to Rs 100,000/- per day and purchase transaction limits of up to Rs 200,000/- per day. Card holders also have the option of depositing cash at an SBI cash deposit machine with a daily limit of Rs 49,900/-.

State Bank Premium

As premium card holders, SBI customers are entitled to daily cash limits of up to Rs. 2, 00,000 and e-commerce transaction limits of up to Rs. 5, 00,000 per day. The card also comes with life insurance coverage of up to Rs 5 lakhs and purchase protection insurance up to Rs 50,000/- for the primary card holder.

FreedomRewardz - State Bank of India’s Debit Card Loyalty Program

Get rewarded when you shop for a product or pay for a service with FreedomRewardz, the debit card loyalty program from State Bank of India. All SBI debit card holders are pre-registered into this program and are eligible to accrue FreedomPoints on all their transactions.

  • For every Rs 200/- spent on shopping, dining, fuel or travel, customers can earn 1 FreedomPoint or reward point.
  • Earn 50 bonus points on your first purchase transaction within one month of card issue.
  • Earn 50 additional points on your second purchase and 100 bonus points on your third purchase transaction within a period of one month.

Depending on the type of SBI debit card, customers can double or triple their FreedomPoints earned from three transactions in a quarter. Customers can accumulate Freedom rewards points and redeemed within a period of 36 months for exciting gifts, merchandise and services from SBI.

SBI debit card offers

  • State Bank Smart Shoppe is an exclusive online marketplace introduced by State Bank of India in collaboration with MasterCard with exciting offers from retail merchants across India.
  • The ‘Shop Big Gain Big’ festive offer from State Bank provides an opportunity for SBI customers to win attractive products hourly and weekly for every debit card usage.
  • SBI offers special discounts on jewelry purchases at various merchant outlets on the auspicious occasion of Akshaya Tritiya.

State Bank Rewardz for Debit Cards

The State Bank Rewardz is a loyalty program offered by the State Bank of India, that gives reward points to customers for various transactions. Cardholders can redeem the points and pay for a wide range of products and services at a discounted rate. All customers are pre-enrolled for the SBI Rewardz program. Customers will have single membership, irrespective of the number or type of accounts they maintain. SBI debit card customers can earn 1 reward point for every purchase above Rs.200. Also, the bank has a large number of partner brands that provide extra discounts and points for swiping the card.

Activation bonus

Customers will earn 50 reward points for making purchases using the debit card within a month of its issue. For the second transaction made during the same month, they will receive another 50 reward points. And if three transactions are made during the first month, the total bonus points accumulated with be 200, ie., the third transaction will attract 100 reward points.

Quarterly transaction bonus

If you carry out a minimum of 3 transactions after the first month of issuance of your card, then the reward points earned during that period will be doubled for all debit cards other than Platinum. For Platinum cardholders the reward points will be tripled. These rewards are applicable for all customers of the State Bank of India.

Verified by Visa/Mastercard

Getting verified with Visa/Mastercard is an enhanced protection service that keeps all your online transactions secure. The service is enabled with personal password which you need to key in while making online purchases. It replicates the same physical model of transaction where you enter your PIN while checking out at billing counters or while withdrawing cash. This service gives you the same level of security assurance and reliability as that of physical transactions at ATM counters or POS terminals. It also protects you from unauthorized purchases even before you initiate the payment process. All that is required for getting verified with Visa/Mastercard is a unique password for all your online transactions.

Blocking an SBI Debit Card

When an account holder’s debit card is stolen or misplaced, the first thing that they should do is block the card. The following are the methods and steps to block an SBI debit card:

SBI Toll-Free Number

SBI has a toll-free customer care number that is accessible 24/7. The request to block the debit card is accepted after the customer provides details such as their name, date of birth, address, and account number. After the card is blocked, the customer is provided with a ticket number. The ticket number should be provided to the bank branch to make a note of the loss of the card.

SMS

SBI account holders can block their debit card by sending the following SMS to 567676 from their registered mobile number: .

Internet Banking

SBI’s internet banking services can also be used to block a debit card that is lost or stolen. The following are the steps to block a debit card online:

  • Login to the SBI internet banking website.
  • Click on the ‘e-Services’ tab on the dashboard.
  • From the drop-down list, select ‘ATM Card Services’, followed by ‘Block ATM Card’.
  • Select the ATM Card that is to be blocked.
  • Choose the reason for blocking the card—lost or stolen—from the drop-down menu, followed by the ‘Submit’ button.
  • Choose OTP as the method of authentication, enter the OTP sent to the registered mobile number through SMS, and click on the ‘Confirm’ button.
  • When the card is successfully blocked, a ticket number will be sent for future reference.

Changing the Limits on SBI Debit Cards

SBI has made a number of updates to the services that customers can avail through the bank’s internet banking facilities. One of these services is changing the limits on his/her debit card. The following are the steps change the withdrawal and purchase limits:

  • Login to SBI’s internet banking website.
  • Click on the ‘e-Services’ tab.
  • Select the ‘ATM Card Services’ option from the list of services.
  • Click on the option titled ‘ATM Card Limit/Channel/Usage Change’.
  • Choose the card number and select ‘Change Daily Limit’ from the drop-down menu.
  • The limit can be set for either ATM withdrawal or point of sale purchases.
  • Click on the ‘Submit’ button.
The change is made instantly once the details are submitted.

Requesting a new debit card from SBI

In cases where an SBI customer’s debit card is stolen or misplaced, the first plan of action should be to block the card. After the card has been successfully blocked, the customer should request for the issuance of a new card. A request for a new card can be made in one of the four ways listed below:

Internet banking

A request for a new debit card can be made from the SBI internet banking website. The procedure is as follows:

  • Login to the SBI internet banking website.
  • Click on the tab titled ‘e-Services’.
  • Select the option titled ‘ATM card services’.
  • From the list of options provided, click on the option titled ‘Request ATM/debit card’.
  • The request will have to be authenticated with internet banking credentials and OTP sent to the registered mobile number.

Once the request has been successfully placed, the customer is notified of the duration that it would take for the card to be delivered. The steps mentioned above are also applicable when making a request for a new debit card on the SBI mobile banking app.

Written request

The customer can file a written request for a new debit card and email it to the SBI customer care email ID.

Customer care

If the procedure mentioned above is unsuccessful, the customer can call the bank’s 24-hour customer care helpline and make a request for a new debit card.

Benefits of holding a State Bank of India debit card

  • With a vast network of 43,000+ ATMs across India, State Bank customers can easily access their banking accounts and conveniently perform transactions free of cost. This facility extends to any ATM belonging to the State Bank Group as well as associate banks (e.g.- State Bank of Bikaner & Jaipur, State Bank of Patiala, State Bank of Hyderabad, etc.)
  • Customers can use their SBI debit cards to withdraw cash, make payments, place requests for credit instruments and also open term deposits at any SBI ATM.
  • State Bank of India debit cards come with additional levels of security for online transactions provided by ‘3D Secure’, a secure service introduced by the State Bank Group in collaboration with Visa and MasterCard.

Quick tips to use your State Bank debit card

  • Customers are advised to always sign on the back of their SBI debit cards, enabling merchants to validate the customer’s signature, if required.
  • SBI customers should make use of the hot listing facility immediately in cases of theft or loss of debit cards to avoid fraudulent activity.
  • As a measure of safety, SBI customers should never disclose their debit card and PIN details to anyone or at any unprotected website.

FAQs for State Bank of India Debit Cards

Does SBI have a daily ATM withdrawal limit for debit cards?

Yes, State Bank has a daily withdrawal limit of Rs 40,000/- for Classic Debit Cards and up to Rs 1 lakh for all other SBI debit cards.

What are the different ATM services that can be performed using my State Bank of India Debit Card?

Customers can withdraw cash, change PIN, check account balance, get mini statements, pay bills, place request for cheque books and also open term deposits using their State Bank of India debit cards.

What type of debit cards are accepted at State Bank ATMs?

Debit cards issued by any bank bearing Maestro, Cirrus, Visa, MasterCard and Visa Electron logos can be used at State Bank ATMs.

How are online transactions secured by SBI?

SBI provides a secure platform to perform online debit card transactions using the Verified by Visa (VbV) and the MasterCard SecureCode services.

How does the mini statement feature available in a State Bank of India ATM help customers?

Customers can keep track of the transactions done using their State Bank of India debit card using the mini statement feature. The statement gives customers an insight into their last 10 transactions.

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Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

News About SBI Debit Cards

  • Visa reduces fee on debit card payments

    Visa has slashed the charges it makes on debit card transactions. This move could have a big impact on the digital payments market in the country by bringing many smaller merchants into the picture. Visa has communicated to the member banks that it would cut rates imposed on debit card transactions by up to 95%. The move will help increase the amount of consumers opting for debit card payments and also expand the digital payment infrastructure in India. The payments network has now reduced the charges to 15 paise for transactions up to Rs.2,000 from 45 paise that was existing before. These new rates are set to be applicable only for domestic debit card transactions.

    15 June 2018

  • State Bank of India tells its customers to withdraw from POS terminals due to cash crunch

    It’s just not after the demonetisation that the country is facing a cash crunch, a year and half later with the demonetisation now marked firmly as history, several states across India are facing a way too similar situation - a cash crunch. Following the demonetisation of high-value currencies, the whole country was reduced to being cash strapped due to the lack of physical currencies in circulation. This forced people to look for other alternatives to make transactions, via their debit or credit cards, and mobile e-wallets. Now, despite there being no such demonetisation, the several states across the country are facing the same cash crunch scenario. To help their customers, State Bank of India released a statement saying that their customers can withdraw cash at any of their POS terminals across the country. State Bank of India has more than 4 lakh POS terminals, and customers hailing from Tier I and Tier II cities can withdraw from POS terminals up to Rs.1,000 while customers from Tier III to Tier VI cities can withdraw up to Rs.2,000 per day. This will ease the troubles of people who haven’t managed to make a cash withdrawal from an ATM in states facing the cash crunch.

    23 April 2018

  • SBI to deactivate insecure and old ATM debit cards

    To counter the threat of malwares, phishing, skimming and other online fraudulent activities, State Bank of India is deactivating old and insecure ATM, and is offering its customers new secure debit cards. According to a statement released by the bank, all esteemed customers of State Bank of India are hereby informed that it has been decided by the Bank that all the magstripe Debit Cards which are in blocked state as on 28-Feb-2017 and to all such requests for blocking thereafter will remain blocked permanently. Instead, free EMV Chip Cards have to be issued to them. The affected cardholders are to be advised to apply for replacement EMV Chip Card through internet banking or by approaching their home Branch.

    23 August 2017

  • Samsung Pay Now to support SBI debit cards as well

    In another boost to digitization, Samsung announced that their Pay Now feature will extend to SBI debit cards as well. In a statement Samsung said that both Samsung and SBI are household names in India, and it is a momentous occasion for us to collaborate on Samsung Pay and extend an innovative solution that is transforming people's lives worldwide. Samsung Pay, with its many 'Make for India' innovations, is revolutionising the way people carry out their day-to-day payments and transactions. To help more consumers avail of our innovative payment system, we have also introduced Samsung Pay to our mid-segment smartphones like Samsung Galaxy J7 Pro. We recently introduced Samsung Pay Mini to cater to the unique requirement of the mid-segment customers too.

    1 August 2017

  • Jump in SBI Debit Card Transactions Post Demonetisation

    State Bank of India, India’s largest lender, reported that a total of Rs.11,720.73 crore was made through debit card transactions which makes up 31% of the market share. In contrast to this report, HDFC and ICICI Bank saw a drop in their market shares following the ban on larger denomination notes in the country. By the end of the month of April, ICICI Bank had 3.7 crore debit cardholders, HDFC Bank had 2.39 crore cardholders, and SBI had nearly 35 crore cardholders. The total cash value of debit card transactions for the whole system stood at Rs.37,481.88 crore. This increase in debit card usage could be credited to the bank’s curbing of online transactions made using debit cards as well as technical refurbishments like optimizing page sizes, etc.

    21 June 2017

  • SBI drops charges on debit cards for small shops

    State Bank of India has dropped acceptance charges on debit cards for merchants who have an annual turnover of less than Rs.20 lakh. With 4 lakh point of sale terminals (PoS), SBI is in the process of expanding its credit card acceptance network by adding 1,000 new merchants to their arsenal. Their main targets, small merchants and a segment of the population who have not experienced the benefit of card payments. SBI, with 21.5 crore debit cards being used by the people, are now trying to increase this number by campaigning actively to the smaller merchant community. This waiver of transaction charges applies only to debit cards and not credit cards and bank officials say that this will promote the use of debit cards over credit cards.

    10 January 2017

  • SBI Tightens System Security to Safeguard Debit Cards

    Addressing the customer concerns, SBI on Thursday announced that its debit cards are not at any risk and additional measures have been taken to safeguard from all expected threats to system security. The bank said that its systems are extremely secure and customers are free to use their debit cards for online transactions, ATMS and Point of Sale (PoS) terminals without any security concern. SBI was sought explanation from the Stock Exchange, based on reports that debit cards were being blocked by the bank to prevent a suspected data breach. In response, SBI assured that on receipt of alert signals they have intensified system security along all its networks.

    16 November 2016

  • Suspicious Transactions have led SBI to block 6.25 lakh Debit Cards

    After cases of suspicious transactions at few ATM machines surfaced, the State Bank of India have blocked about 6.25 lakh debit cards without any prior notice. However, the customers were later notified about the same through emails and text messages. They have been asked to reapply for new cards. The cards have been blocked to avoid any kind of misuse and fraudulent behaviour. SBI customers are not the only victims in this case. Several other foreign and private banks have also witnessed these kind of scams. SBI is now planning to hand over new cards free of cost to the customers whose cards have been blocked. Apart from this, other precautionary measures have also been taken by the banks such as requesting the customers to change their debit card personal identification number and passwords on a regular basis etc.

    24 October 2016

  • Flipkart, Amazon and Snapdeal Kick off Their Festive Sales

    Taking advantage of the excitement building up to Diwali, prominent e-commerce companies Amazon, Flipkart and Snapdeal are all set to start off their annual sales around October first week.

    The dates for Flipkart’s Big Billion Day has been decided from Oct 2 to Oct 6. All the SBI debit card holders will be happy to know that they will be provided with additional discount of 10%. Specific range of products will be sold on specific days. Apart from that, customers can also be a proud owner of Moto Deck Bluetooth Speaker if they upgrade the flipkart app at specific time right before the start of its festive sales.

    The dates for Amazon’s Great Indian Festival has been decided from Oct 1 to Oct 5. They have also announced various special offers such as Curtain Raiser Deals and ‘Wish & Win’ contest for the customers.

    29 September 2016

  • Mobile App launched by SBI to Reduce Debit cards Fraud

    In a bid to reduce debit card frauds and misuse, SBI recently launched “SBI Quick”, a mobile app designed primarily to keep fraud under check. Customers can activate or deactivate their cards using this app, with the SMS and Missed Call Banking service primarily focussing on providing immediate solutions to consumers. One can use the mobile number registered with SBI to utilise these services, ensuring they have access to a number of features of the app.

    Apart from this app, customers can also activate/deactivate their debit cards through ATMs, e-commerce websites and PoS terminals.

    24 May 2016

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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