SBI Debit Card Charges: Withdrawal Charges Per Year, Decline Charges

The State Bank of India (SBI) debit cards offer convenience for everyday transactions, but it's important to understand the charges associated with it. It levies specific charges on its range of debit cards, depending on card type, usage, and transaction channel. This article provides a detailed overview of applicable fees, including annual maintenance charges, transaction limits, and replacement fees, to help users make informed financial decisions.

SBI ATM Card Issuance Charges 2025

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

 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: 

SBI ATM Card 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: Delhi, Mumbai, Kolkata, Chennai, Bengaluru, and Hyderabad

SBI Debit Card ATM Withdrawal Charges 

If you exceed the free withdrawal limit at SBI ATMs, a fee of ₹10 per transaction is applicable. For financial transactions carried out at ATMs of other banks beyond the permitted limit, the charge increases to ₹20 per transaction. Additionally, Goods and Services Tax (GST) is levied on all such charges as per prevailing rates.

SBI ATM Charges After 3 Transactions 

SBI ATM cardholders receive 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 receive 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 

Customers of SBI who maintain a monthly balance of over Rs.1 lakh receive the benefit of unlimited free transactions, applicable for both financial and non-financial transactions at SBIm as well as 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. Ensure to 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. 

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. 

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