State Bank of India (SBI) is the largest public sector bank in the country and offers its customers a wide range of debit cum ATM cards. You can choose the most suitable debit cum ATM card depending on your financial requirements. However, there are certain charges you will have to pay, depending on the type of card you choose.  

SBI ATM Card Charges 2025

The card issuance charges for SBI ATM cards are as follows: 

• Classic Debit Card 

The issuance charges for this debit cum ATM card is NIL. 

• Silver / Global / Contactless Debit Card 

The issuance charges for this debit card are NIL. 

• Gold Debit Card

The issuance charges for this debit card is Rs.100 plus GST. 

• Platinum Debit Card 

The applicable issuance charges for a Platinum Debit Card is Rs.300 plus GST. 

SBI Debit Card ATM Annual Charges 

The Annual Maintenance Charges (AMC) for SBI ATM cards will be recovered by the bank at the beginning of the second year. Listed below are the applicable annual maintenance charges for the SBI Debit Card: 

• Classic Debit Card 

The AMC (annual maintenance charges) for this debit cum ATM card is Rs.200 plus GST. 

• Silver / Global / Contactless Debit Card 

The applicable charges for this debit card are Rs.200 plus GST. 

• Yuva / Gold /Combo / My Card (Image) Debit Card

The annual maintenance charge for this debit card is Rs.250 plus GST. 

• Platinum Debit Card 

The applicable AMC for a Platinum Debit Card is Rs.325 plus GST. 

• Platinum Business RuPay Card

The applicable AMC for a Platinum Debit Card is Rs.350 plus GST. 

• Pride / Premium Business Debit Card

The applicable annual maintenance charge is Rs.425 plus GST. 

SBI ATM Charges 

You might be wondering what are SBI ATM card charges for transactions exceeding the free limit. The bank levies a fee which ranges from Rs.8 to Rs.20. The exact amount would depend on the ATM type and the type of transaction. 

The charges for financial transactions beyond the set limit is Rs.20 at the ATMs of other banks and Rs.10 at SBI ATMs. In addition, the GST rate would also be applicable.

What happens if the transactions are non-financial by nature and cross the prescribed limit? In these cases, customers need to bear Rs.8 at the ATMs of other banks and is NIL for SBI ATM. In addition, the GST rate would also be applicable. 

SBI ATM Withdrawal Limit

The ATM withdrawal limit per month depends on the Average Monthly Balance (AMB) and the type of ATM. the below table provides the SBI ATM withdrawal limit per month:

The 6 metro cities are - Delhi, Mumbai, Kolkata, Chennai, Bengaluru, and Hyderabad.

SBI Debit Card ATM Withdrawal Charges 

You have to pay a withdrawal charge of Rs.10 for every cash withdrawal exceeding the free limit at SBI ATMs. If you want to make more financial transactions at ATMs of other banks, you will have to pay a fee of Rs.20 for every transaction. In addition to the withdrawal fee, you also have to pay the applicable GST. 

SBI ATM Charges After 3 Transactions 

SBI ATM cardholders will get the benefit of 3 free transactions, including financial and non-financial transactions at the bank's ATM situated in six metro cities per month, Delhi, Mumbai, Kolkata, Chennai, Bengaluru, or Hyderabad, if their AMB is up to Rs.1,00,000. 

SBI ATM cardholders will get the benefit of 5 free transactions, including financial and non-financial transactions at the bank’s ATMs per month, if their AMB is up to Rs.25,000. Unlimited transactions can take place above this limit. However, ATM cardholders will get the benefit of 5 free transactions at other bank ATMs, if their AMB is up to Rs.1,00,000. 

SBI ATM Charges Per Transaction 

ATM cardholders have to pay Rs.10 + GST if they wish to withdraw cash above the prescribed limit from the bank's ATMs. However, they'll have to pay Rs.20 + GST per transaction if they wish to withdraw money from the ATMs of other banks. 

SBI Declined Transaction Charges 

There might be situations when transactions are declined because of insufficient balance. If you face a situation like this, you will have to pay Rs.20 + applicable GST. 

SBI Unlimited Free Transactions 

There’s an important factor you need to consider. People who maintain a monthly balance of Rs.1 lakh or more will get the benefit of unlimited free transactions. It’s applicable for both financial and non-financial transactions at both SBI and other banks’ ATMs. 

When it comes to international ATM cash withdrawals, you would have to pay Rs.100 along with 3.5% of the transaction amount and applicable GST. For international transactions made through Point of Sale, 3% of the transaction amount, along with GST, will be applicable. 

You should also take into account the SMS charges levied by SBI. The bank has levied a quarterly fee of Rs.12 for SMS for debit card holders. However, it's only applicable to people who maintain an average quarterly balance of Rs.25,000. 

Conclusion

If you’re planning to apply for a debit cum ATM card at the State Bank of India, you should be aware of the SBI ATM card charges. The most important feature you need to note is that the bank allows its customers to make 5 free transactions at ATMs if their average monthly balance is Rs.50,000. It includes financial and non-financial transactions as well. ATM charges will be applicable if the cash withdrawal crosses the aforementioned limit. 

Similar Articles:
1. HDFC Bank Debit Card Charges
2. Axis Bank Debit Card Charges