SBI RuPay Debit Card is a secure, affordable, and widely accepted payment card powered by NPCI’s RuPay network. It allows cash withdrawals, POS payments, online shopping, and UPI linkage. Customers can choose from different variants like Virtual, Platinum, and co-branded cards with different SBI RuPay debit card limits. SBI RuPay debit cards offer benefits like reward points, fuel discounts, and lounge access.
Key Highlights:
- Variants: SBI offers Virtual, Platinum International, and IOCL co-branded RuPay debit cards.
- Limits: Daily withdrawal and spending limits range from Rs. 20,000 to Rs. 5,00,000 depending on the card type.
- Global Usage: RuPay Global and Platinum cards are enabled for international payments.
- Charges: Issuance and annual fees differ by card (Nil–Rs. 300 + GST issuance; Rs. 125–Rs. 250 maintenance).
- Security: Three-layer authentication with OTP and full data localization for safe transactions.
SBI RuPay Debit Card is a payment card issued by the State Bank of India under NPCI’s RuPay network. It can be used for cash withdrawals, online payments, shopping, fuel purchases, and even international transactions with eligible variants. RuPay ensures lower transaction costs and localized data storage for Indian customers.
SBI offers different types of RuPay debit cards, which are as follows:
Card Variant | Key Features |
Virtual RuPay Debit Card | Free, digital-only, e-commerce focused |
Platinum International RuPay | Lounge access, global usage |
IOCL Co-branded Global/Platinum RuPay | Fuel rewards, contactless, international acceptance |
Global International Debit Card (contactless) | Broad global acceptance, tap-to-pay |
My Card International Debit Card | Customizable design, international usability |
State Bank of India levies nominal charges on issuance, annual maintenance, replacement, and PIN regeneration for different RuPay debit cards. The table below gives a clear comparison of charges for each card type:
Card Type | Issuance Fee | Annual Maintenance Fee | Replacement Fee | PIN Regeneration Fee |
SBI RuPay Classic Debit Card | Nil | Rs. 125 + GST | Rs. 300 + GST | Rs. 50 + GST |
SBI RuPay Platinum Debit Card | Rs. 300 + GST | Rs. 250 + GST | Rs. 300 + GST | Rs. 50 + GST |
SBI RuPay Gold Debit Card | Rs. 200 + GST | Rs. 200 + GST | Rs. 300 + GST | Rs. 50 + GST |
SBI RuPay Select Debit Card | Rs. 500 + GST | Rs. 350 + GST | Rs. 300 + GST | Rs. 50 + GST |
Each type of SBI RuPay debit card comes with specific withdrawal and transaction limits. Below are the details for SBI RuPay debit card limit:
Here is the step-by-step guide to applying for an 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:
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:
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:
Here are some of the benefits of using an SBI RuPay debit card:
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:
The SBI RuPay debit card range offers secure, affordable, and versatile options for everyday banking needs. Always review the card limits and charges before choosing the one that fits your lifestyle best.
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