Everything About SBI RuPay Debit Card

Debit cards have become essential for daily transactions, offering the convenience of round-the-clock cash withdrawals, online bill payments, and easy e-commerce shopping. To promote financial inclusion, especially in rural areas, the National Payments Corporation of India (NPCI) introduced RuPay, a domestic payment service network designed for secure and efficient transactions. As India’s largest bank, the State Bank of India (SBI) recognizes the importance of RuPay and offers a variety of RuPay debit cards to meet the needs of its diverse customer base.

Why Choose SBI RuPay Debit Cards?

• Secure and Affordable: Tailored to ensure secure transactions with lower costs.
• Boosts Financial Inclusion: Promotes banking access in underserved regions.
• Versatile Usage: Accepted for ATM withdrawals, POS payments, and online transactions.

Keep reading to explore the features, benefits, eligibility criteria, and application process for the SBI RuPay Debit Card.

What Is SBI RuPay Debit Card?

RuPay, a global payment network developed by the National Payments Corporation of India (NPCI), offers a cost-effective alternative to international payment networks like Visa and MasterCard. As one of India’s largest commercial banks, the State Bank of India (SBI) provides a range of RuPay debit cards tailored to meet customer needs.

Key Features of SBI RuPay Debit Cards

• Versatile Usage: Use for cash withdrawals, deposits, POS payments, and online transactions.
• Cost-Effective: Favored for its zero transaction charges, benefiting both merchants and customers.
• Reward Points: Earn points on eligible transactions for added value.
• Fuel Discounts: Avail of savings on fuel purchases with select RuPay cards.

Types Of SBI RuPay Debit Cards

SBI offers different types of RuPay debit cards, which are as follows:

SBI Virtual RuPay Debit Card

It is a type of virtual RuPay debit card issued by the SBI which comes with a wide range of features that simplify monetary transactions for people. Here are some of the features of the card:

• This card allows you to make convenient payments for domestic and international e-commerce transactions.
• There are no additional charges associated with this card.
• Also, you earn reward points on making payments, which can be redeemed later to earn discounted coupons.
• No issuance fees or annual maintenance fees.

SBI Platinum International RuPay Debit Card

SBI RuPay platinum international debit card offers access to exclusive coupons and earn rewards on your purchases. Here are some of the features of the card:

• It also allows the user to make international payments.
• It offers wider access to online transactions.
• It can be used for shopping at over 52 lakh merchant outlets in India and more than 30 million worldwide.
• It can be used for bill payments,  booking movie tickets and travel.
• It offers complimentary airport lounge access, subject to certain conditions.

SBI IOCL Co-Branded Contactless RuPay Debit Card

The SBI IOCL co-branded RuPay debit card is specially designed to earn additional reward points at all IOCL retail outlets. Here are some of the features of the card:

• It can be used to purchase goods at merchant establishments as well as for online payments.
• It allows cash withdrawals in India and across the globe.
• It can be at ATMs, PoS and E-commerce.
• You can reward points on this card for every Rs. 200 that you spend on fuel at all IOCL petrol pumps.

SBI RuPay Debit Card Benefits 

Here are some of the benefits of using an SBI RuPay debit card:

• Secured Transactions: RuPay ensures high-security transactions with a three-layer authentication system. The final layer involves OTP verification sent to your registered mobile number, minimizing the risk of misuse even if the card or PIN is lost or stolen.
• Data Localization: Since RuPay is an Indian initiative, all transactional data stays within the country, unlike international payment networks where data is transmitted outside India.
• Rural Penetration: RuPay cards are either free or come with minimal maintenance costs, making them highly accessible for rural account holders. SBI branches in these regions actively issue RuPay cards to increase financial inclusion.
• Universal Compatibility: RuPay cards are compatible with all payment platforms, including online merchants, ATMs, and POS terminals, ensuring seamless transactions across multiple channels.
• Made in India: RuPay is a domestic payment network by NPCI, offering an affordable alternative to international networks like Visa and MasterCard. It supports the vision of promoting indigenous and cost-effective financial solutions.

Documents for SBI RuPay debit Card

To apply for an SBI RuPay debit card, the account holder must complete the KYC verification. If not, KYC documents such as ID proof, and address proof need to be submitted. Otherwise, only the following documents are required to apply for a RuPay card:

• Debit card application form (duly filled)
• Recent passport-size photograph

SBI RuPay Debit Card Charges

SBI Virtual RuPay Debit Card

• New card issuance charge = Nil
• Debit card annual maintenance charges= Nil
• Debit card replacement charges= Rs. 300 plus GST
• Pin regeneration or duplicate PIN charges= Rs. 50 plus GST

SBI Platinum International RuPay Debit Card

• New card issuance charge = Rs. 300 plus GST
• Debit card annual maintenance charges= Rs. 250 plus GST
• Debit card replacement charges= Rs. 300 plus GST
• Pin regeneration or duplicate PIN charges= Rs. 50 plus GST

SBI IOCL Co-Branded Contactless RuPay Debit Card

• New card issuance charge = Nil for Global, Rs. 300 plus GST for Platinum
• Debit card annual maintenance charges= Rs. 125 plus GST for Global, Rs. 250 for Platinum
• Debit card replacement charges= Rs. 300 plus GST
• Pin regeneration or duplicate PIN charges= Rs. 50 plus GST

How To Activate SBI RuPay Debit Card?

The process of activating your SBI RuPay debit card is quite easy and simple. But please note that to use this method, your mobile number must be registered with your SBI account. Here is how you can activate your card through SMS using the following steps:

• Step 1: Firstly, you will have to SMS “PIN <space> last four digits of your debit card <space> last four digits of your account number” to 567676.
• Step 2: Upon successful verification of your account number and debit card number, you will get a one-time password/PIN (OTP).
• Step 3: You will have to visit your nearest SBI ATM, punch your card and select the “PIN Change”.
• Step 4: Then enter your OTP to continue with setting up a new PIN.
• Step 5: Then enter your desired PIN and confirm the same. 

SBI RuPay Debit Card Limit

The SBI Virtual RuPay debit card has a daily purchase limit of Rs. 50,000 and cannot be used for ATM cash withdrawals.

The SBI Platinum International RuPay debit card and the SBI IOCL co-branded contactless RuPay card have a minimum ATM withdrawal limit of Rs. 100, with a maximum limit of Rs. 20,000 per day.

For the SBI Platinum International RuPay debit card, the transaction limits are Rs. 2,00,000 for POS and ATM withdrawals, and Rs. 5,00,000 for online transactions. The SBI IOCL co-branded contactless global RuPay card has a POS and online transaction limit of Rs. 75,000, while the Platinum version allows up to Rs. 2,00,000.

How To Apply For RuPay Debit Card SBI?

Here is the step-by-step guide to applying for a RuPay debit card in SBI:

• Step 1: Log in to your SBI net banking portal using your credentials.
• Step 2: From the ‘e-Services’ tab, click on the ‘Debit Card Services’ and then on ‘ATM card cum Debit Card’ option. 
• Step 3: Click ‘Request/Track Debit Card’.
• Step 4: Select your account number, select the RuPay card that you want to avail, and click ‘Submit’.
• Step 5: Next, it will ask you to enter an OTP to validate the application request.
• Step 6: Enter the OTP to complete the application for a RuPay debit card.

SBI RuPay Debit Card Bill Payments

If you are willing to make any bill payment online, you can use your SBI RuPay debit card to pay all your bills. Here is the step-by-step guide:

• Step 1: On the payment gateway page, you will find several options, such as paying using a debit card, credit card, UPI, or internet banking. Select the debit card option here.
• Step 2: Then, you will have to enter the 16-digit number of your SBI RuPay debit card followed by the expiry date.
• Step 3: Enter the CVV code, which is a three- or four-digit number that proves that you are authorised to use the card.
• Step 4: Once you proceed to the next step, you will be asked to enter an OTP sent to your registered mobile number.
• Step 5: Submit the OTP to complete your transaction using your SBI RuPay debit Card.

SBI RuPay Debit Card Customer Care

SBI has segregated customer care for the SBI RuPay debit card. In case the cardholder encounters any issues or needs any help or assistance, they can directly dial up SBI customer care. It is a 24 x7 toll-free number; you can also mail your issue to customer care at contactcentre@sbi.co.in.

The contact numbers are as follows:

• 1800 425 3800
• 1800 11 2211
• 1800 2100
• 1800 1234

The SBI RuPay Debit Card is a tie-up between NPCI and the State Bank of India, facilitating payment solutions. Unlike any other payment network, RuPay offers secured digital payment solutions at an affordable cost. However, checking the annual maintenance charges before availing or applying for any type of SBI RuPay debit card is always recommended.

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