SBI Debit Cards And Their Benefits In 2025

SBI debit card is the easiest credit access tool that helps manage your finances. The State Bank of India (SBI), one of the largest public sector banks in the country, provides a wide range of debit cards customized to different user needs — from basic savings’ account holders to premium customers. These cards not only support ATM withdrawals but also offer benefits like contactless payments, travel friendly? , and purchase protection (protection in case your purchase is lost, damaged, or stolen).

Read on to learn more about the different types of SBI debit cards, how to generate their PINs, applicable charges, transaction limits and how to find the right card for your needs.

Table of Contents:

• ⇾ How to Generate PIN for SBI Debit Cards
• ⇾ 1. Via SBI ATM
• ⇾ 2. Through Internet Banking (YONO App or Online SBI Portal)
• ⇾ 3. Using SBI Phone Banking
• ⇾ Which Type of SBI Debit Card is Best
• ⇾ SBI Debit Card Types and Charges
• ⇾ How to Check if My SBI Debit Card Is Active
• ⇾ 1. Use an ATM
• ⇾ 2. Check via Net Banking
• ⇾ 3. Through the SBI YONO App
• ⇾ 4. Send an SMS
• ⇾ 5. Call SBI Customer Care
• ⇾ Frequently Asked Questions

Methods to Generate PIN for SBI Debit Cards

Activating your SBI debit card and setting a Personal Identification Number (PIN) is essential for ATM withdrawals, in-store transactions, and secure online payments. SBI provides multiple methods to generate or reset your PIN.

1. Via SBI ATM

This is the most direct method and works for both new and reissued cards.

Step 1: Insert your SBI debit card into the ATM.

Step 2: Select ‘PIN Generation’ from the menu.

Step 3: Enter the last four digits of your account number.

Step 4: Enter your registered mobile number.

Step 5: You will receive an OTP (One-Time Password) via SMS.

Step 6: Reinsert your card, select ‘PIN Change’, and use the OTP to set a 4-digit PIN.

2. Through Internet Banking (YONO App or Online SBI Portal)

You can generate or reset your debit card PIN via SBI’s online platform or mobile application.

Step 1: Log in to the main website or the SBI YONO app.

Step 2: Look for the menu option called ‘e-Services’, then tap on ‘ATM Card Services’, and choose ‘ATM PIN Generation

Step 3: Select your account and card.

Step 4: Choose to receive OTP on your registered mobile number.

Step 5: Enter the OTP and set a new PIN.

3. Using SBI Phone Banking

If you’re not comfortable with ATMs or internet banking, you can use SBI’s IVR system.

Step 1: Call 1800 1234 or 1800 2100 (toll-free).

Step 2: Follow the IVR prompts for ATM PIN generation.

Step 3: Enter your account number and card details when asked.

Step 4: Set your new PIN using the OTP sent to your phone.

Types of SBI Debit Cards

SBI offers several types of debit cards, each designed to meet the needs of different customer segments — from basic account holders to premium users. Choosing the best SBI debit card depends on how you use your card: daily shopping, international travel, online transactions, or frequent ATM withdrawals.

1. SBI Classic Debit Card
• Best for: Basic banking needs
• Usage: Domestic only
• Withdrawal Limit: ₹20,000/day
• Annual Fee: ₹125 + GST

Note: Ideal for regular savings account holders who want a no-frills card for ATM withdrawals and purchases.

2. SBI Global International Debit Card
• Best for: Online purchases and international transactions
• Usage: Domestic + International
• Withdrawal Limit: ₹40,000/day
• Annual Fee: ₹175 + GST

Note: Accepted worldwide at ATMs and merchants; suitable for users with occasional overseas transactions.

3. SBI Gold Debit Card
• Best for: Frequent shoppers with higher spending
• Usage: Domestic + International
• Withdrawal Limit: ₹50,000/day
• Annual Fee: ₹175 + GST

Note: Offers purchase protection (protection in case your purchase is lost, damaged, or stolen) and higher daily limits than standard cards.

4. SBI Platinum Debit Card
• Best for people who have large savings or high account balances
• Usage: Domestic + International
• Withdrawal Limit: ₹1,00,000/day
• Annual Fee: ₹250 + GST

Note: Comes with insurance benefits, purchase protection (protection in case your purchase is lost, damaged, or stolen), and higher limits for shopping and ATM use.

5. SBI Pride / Premium Business Debit Card
• Best for: Business professionals and current account holders
• Usage: Domestic + International
• Withdrawal Limit: Up to ₹2,00,000/day (varies)
• Annual Fee: Varies

Note: Designed for corporate or business users with high daily transaction needs.

Choosing the Right Card:

The best SBI debit card depends on your lifestyle.

• For basic banking needs, the Classic Debit Card is cost-effective.
• If you shop online or travel, go for the Global or Gold card.
• For high spenders or professionals, the Platinum or Pride card offers enhanced limits and perks.

SBI Debit Card Types and Charges

The State Bank of India offers a range of debit cards customised to different user needs. Each card comes with specific features, including cash withdrawal limits, point-of-sale (POS) limits, and applicable annual fees.

Other SBI Debit Cards

In addition to its mainstream cards, SBI also issues specialized cards for specific users, which may not be widely available at all branches, and eligibility is determined by account type or specific government schemes.

• SBI InTouch Tap and Go Card: A contactless NFC card, ideal for quick in-store purchases. Issued selectively in urban areas.
• SBI PMJDY Debit Card: Linked to Pradhan Mantri Jan Dhan Yojana accounts, with RuPay branding and government-backed insurance.
• SBI State Service Scheme Card: Designed for retired government employees receiving pensions via SBI.
• SBI Maestro Card: This older variant has been largely phased out, but some users may still hold it. It works on domestic networks only.

How to Check if My SBI Debit Card Is Active

After receiving a new SBI debit card—whether it's a replacement, upgrade, or your first card—it’s important to confirm that it’s been activated before use. SBI provides several simple ways to check whether your card is active and ready for transactions.

Here are the most convenient methods:

1. Use an ATM

Insert your SBI debit card into any SBI or partner bank ATM and try a basic action, like checking your balance.

• If the card is active, the transaction will proceed.
• If inactive, you’ll receive an error message like “Invalid Card” or “Card Not Activated.”

2. Check via Net Banking

If you’re registered for SBI’s online banking:

• Log in to their main website.
• Go to ‘e-Services’ → ‘ATM Card Services’ → ‘ATM Card Status’.
• You will see whether your card is active, inactive, or blocked.

3. Through the SBI YONO App

• Open the SBI YONO app.
• Go to ‘Service Requests’ and then click on ‘ATM/Debit Card’.
• Select your card and check its current status.

4. Send an SMS

If mobile banking is enabled on your number:

• Send ‘STATUS ’ to 567676.
• You’ll receive a message with the activation status.

5. Call SBI Customer Care

You can also call 1800 1234 or 1800 2100 (toll-free) and follow the IVR options to inquire about your card’s status.