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SBI Classic Debit Card

SBI Classic Debit Card Details

Last Updated 15th Jan 2021

  • SBI Classic Debit Card can be used both offline and online.
  • SBI charges a fee of ₹ 0 as card issuance fee for issuing the SBI Classic Debit Card signature card.
  • The card can be attained via net banking, written request to the bank or by contacting the bank’s customer care.
  • SBI Classic Debit Card signature card offers a cash withdrawal limit of Nil.
  • In addition to that, the card can be used for making purchases up to Nil.
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SBI Classic Debit Card Overview

SBI Classic Debit Card is a Mastercard, Visa card and is amongst the various customer-oriented and beneficial debit cards offered by SBI. The card can be attained from the bank through both offline and online mediums such as net banking, written application or by contacting the bank’s customer care. It can be used to withdraw cash, for balance enquires, to deposit funds and for making online and offline payments.

Features
  • The card offers shopping at over 5 lakh merchant outlets in India.
  • The card is ideal for booking movie tickets, bill payments, travel and other online purchases and payments

How does SBI Classic Debit Card Works?

SBI Classic Debit Card can be used both offline and online for a different purpose. For offline payments, the card can be used through a card machine. The debit card works offline as and when the merchant inputs the transaction amount on the card machine. After this, the card user is required to enter the debit card PIN to complete the transaction. As the PIN is entered, a request is made to the bank as per which the required amount is deducted from the account linked to the debit card.

In addition to that, SBI Classic Debit Card also works online. This requires one to enter details like the 16 digit the card number, expiry date, and the three-digit CVV number-mentioned don the reverse of the card. As and when the details are entered, an OTP is sent to the registered mobile number of the debit card user. The OTP needs to be entered for completion of the transaction after which the amount is deducted from the linked current or savings account.

Features of SBI Classic Debit Card in India

SBI Classic Debit Card functions similar to all debit cards such as for cash withdrawal and online and offline purchases amongst others. However, the card features vary from each other on the basis of various parameters. SBI Classic Debit Card features are listed in the table below:

Maximum Cash withdrawal Nil
Maximum Purchase limit Nil
Annual maintenance charge ₹ 125
Card replacement charge ₹ 300
Issuance Charge Nil

SBI Classic Debit Card Benefits

Some of the benefits offered by SBI Classic Debit Card signature card as listed as follows:

  • SBI Classic Debit Card can be obtained easily, as it involves minimum eligibility and documentation.
  • SBI Classic Debit Card signature card can be used to withdraw cash.
  • SBI Classic Debit Card offers the security of funds even when the card is stolen. This is because the card can be blocked immediately, and thus debit cards are safer for funds than physical cash.
  • Another benefit offered by SBI Classic Debit Card is that the card can be used across all points of sales whether offline or online and allows hassle-free transactions.
  • Also, debit cards are way more beneficial than a credit card in terms of debt management. While a credit card allows one to make purchases more than one’s account ability, a debit card allows purchasing as per the availability of funds.
  • Apart from the best utilization of one’s funds, SBI Classic Debit Card provides the additional benefit of rewards such as cashback offers and reward points.

SBI Classic Debit Card Eligibility

To avail a SBI Classic Debit Card, one needs to meet the below-mentioned eligibility criteria:

  • The minimum age requirement to attain SBI Classic Debit Card is 18 years.
  • Parents and guardians can attain a debit card on behalf of the minors.
  • One needs to have Government approved identity and address proofs such as Aadhar card, PAN card, passport, driving license or Voter ID card.
  • One needs to have a savings or current account with a bank to attain a debit card

FAQs

What is the limit of SBI Classic Debit Card ?

The maximum limit offered by SBI Classic Debit Card is ₹ 1 Lakh for withdrawals and is ₹ 50,000 for making purchases at Point of sales.

What are the annual maintenance charges on SBI Classic Debit Card ?

The annual maintenance charges on SBI Classic Debit Card are 125.

Which is the best debit card of SBI?

SBI offers different cards that are tailor-made to suit the needs of different debit card users. For instance, SBI Platinum International Debit Card offers the highest withdrawal limit of ₹ 1 Lakh, while SBI Gold International Debit Card, SBI Platinum International Debit Card offers the highest purchase limit of ₹ 2 Lakh. In addition to that, SBI Classic Debit Card is the best card at the lowest annual fee of ₹ 125. Thus, based on one’s requirement, one can choose the best card amongst a number of them offered by SBI.

Can SBI Classic Debit Card be used internationally?

No, SBI Classic Debit Card cannot be used internationally.


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SBI News - Jan 2021
  • 2020-12-02 : SBI RuPay, NPCI, JCB platinum contactless debit card launched
    SBI, NPCI, and JCB International Co., Ltd. (JCB) have launched SBI RuPay JCB Platinum Contactless Debit Card on the RuPay network. The contactless debit card will offer a dual interface feature that will help customers to perform both contacts as well as contactless transactions in the domestic market and contact transactions overseas.
  • 2020-11-11 : SBI to focus on financial inclusion
    SBI is planning to increase the share of its newly created business vertical, financial inclusion and micro-markets from the current 12% to 20% by March 2022. The bank recently created a separate FI&MM vertical within the bank with an aim of financial inclusion of rural and semi-urban areas to improve customer experience in the hinterland.
  • 2020-11-05 : SBI net profit rises to ₹4,574 crores in Q2
    SBI September quarter net profit jumped 52% year-on-year to Rs 4,574.16 crore as the provisions declined during the quarter. Credit growth for the bank logged an improvement of 6.02% over the previous year driven by home, personal, car, two-wheeler and gold loan along with mudra and business loan. Total advances at the end of Q2 were at Rs 23.83 trillion. Further, total Deposits which includes fixed and recurring deposits grew at 14.4% on a yearly basis to Rs 34.70 trillion, out of which current account deposit grew by 8.55% YoY while saving bank deposits grew by 16.28 per cent YoY.
  • 2020-09-30 : SBI in tie-up to offer digital payment solutions to HUL retailers and distributors
    State Bank of India (SBI) and Hindustan Unilever Ltd (HUL) have signed a memorandum of understanding (MoU), under which the bank will provide its digital payment and financing solutions to the FMCG company’s retailers and distributors.
  • 2020-09-23 : Google Pay introduces a tap-to-pay option for SBI Card users
    SBI Card announced a collaboration with Google to enable customers to use their cards on Google Pay platform. Users will now be able to make card payments using Google Pay app on their Android smartphones in three modes. The bank is striving to promote zero contact, digital forms of payments for safe and enhanced customer experience.
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