State Bank of India Classic Debit Card Benefits
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Indialends, 01 Oct 2025

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State Bank of India Classic Debit Card

 The State Bank of India is known for offering a wide array of debit cards to their customers, among all the most popular ones is SBI classic Debit card. It makes the user enjoys tons of benefits like cashless convenience, ease of paying bills, secured transactions, cashbacks, reward points, etc. Read on to find out more about the State Bank Classic Debit Card.

Features of State Bank of India

Global acceptance: 

Shop till you drop is actually possible when you are a State Bank of India Classic debit card.  Here one can make cash withdrawals at 5 lakh merchants across India.

Secure online transactions

With the State Bank of India Classic Debit Card, you get to make secured transactions for any of the purchases such as booking tickets, paying for groceries, etc. The transaction made using this debit card is secured using the MasterCard Secure Code or Verified by Visa.

ATM Access

Get quick access to cash anytime and anywhere with the Classic Debit Card which can be used not only at SBI ATMs but also at non-SBI ATMs across India.

Instant alerts

The customers can get instant SMS alerts for all Cash withdrawal/Purchase transactions/Online transactions made on their State Bank Classic Debit Card.

Rewards and Benefits

For every Rs. 100 that is spent on your card, you get to earn 2.5 reward points. You can earn reward points for a number of card-related purchases such as petrol; dining, entertainment, travel bookings, online purchases, and more.

Reward Program

The customers can also earn 1 FreedomRewardz point (Reward point) for every Rs. 200 they shop, dine out, fill fuel, book travel, or spend online.

They can also earn bonus points on the first three purchase transactions using your State Bank Classic Debit Card as under:

  • 50 Bonus FreedomRewardz points on making the first transaction within completion of one calendar month of issuance.
  • 50 additional Bonus FreedomRewardz points on the first purchase transaction within completion of one calendar month of issuance.
  • 100 Bonus FreedomRewardz points on third purchase transaction within completion of one calendar month of issuance.

Fee and charges

Annual FeeRs 100
Cash withdrawal LimitRs 40,000
Cash Purchase limitRs 200
Daily Point of Sales/e-Commerce Limit
No minimum limit and maximum limit is Rs 50,000

How to apply for the State Bank of India debit cards?

Via Internet Banking

  • Log in to the SBI internet banking website.
  • Click on the tab titled ‘e-Services’.
  • Select the option titled ‘ATM card services.
  • From the list of options provided, click on the option titled ‘Request ATM/debit card’.
  • The request will have to be authenticated with internet banking credentials and OTP sent to the registered mobile number.
  • Once the request has been successfully placed, the customer is notified of the duration that it would take for the card to be delivered. The steps mentioned above are also applicable when requesting a new debit card on the SBI mobile banking app.

Via written request

The customer can give a written request for applying for a new debit card and email it to the SBI customer care email ID.

FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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