State Bank of India (SBI) ATM Withdrawal Limit Per Day 2019

There are various types of SBI Debit cards. The ATM withdrawal limit is also different for these cards. For example, the most popular SBI Classic Debit card has a withdrawal limit of ₹20,000. Whereas other cards have a higher limit.  Till March 2019 the State bank of India has issued 31.63 Crore debit cards. Out of this huge number, most of the cards are either Classic Debit card are Maestro card. There are four most popular SBI Debit cards.

इस लेख को हिन्दी में पढ़ें

1. CLASSIC DEBIT CARD/ Maestro Card
2. GLOBAL INTERNATIONAL DEBIT CARD
3. GOLD INTERNATIONAL DEBIT CARD
4. PLATINUM INTERNATIONAL DEBIT CARD

Also read- ATM Withdrawal Limits of ICICI, HDFC and Other Banks

1. SBI Classic Debit Card / Maestro Card ATM Withdrawal Limit

This is the most common debit card and most of the people own this type of card. The per day ATM withdrawal limit for this card is lowest. Before 31st Oct 2018, you could withdraw up to ₹40,000. Now, you can’t withdraw more than ₹20,000 in a day. Also, there is a limit for payments using your debit card. You can pay for the shopping at retail stores and e-commerce websites such as Flipkart, Amazon etc. However, f you want to pay for more than

State Bank Classic Debit Card		Domestic
Daily Cash Limit at ATMs	Minimum	₹ 100
	Maximum	₹ 20,000
Daily Point of Sales/e-Commerce Limit	Minimum	No such limit
	Maximum	₹ 50,000

You would wonder why this card gives such a low limit. This may be problematic in some cases but it also saves you from any loot, theft or fraud. There would be a limit of such losses. Moreover, This card has lower charges than the other debit cards which gives a higher limit.

Particulars	Charges
Issuance Charges	Nil
Annual Maintenance Charges	₹ 125 + GST
Card Replacement Charges	₹ 300 + GST

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2. SBI Global International Debit Card / SBI My Card

If you want to use your debit card out of India, you must have an international debit card. There are many SBI international debit card. The SBI Global International Debit card has a higher limit of cash withdrawal than the Classic card. Note, when you use this card at the international destination,  the limit would be adjusted according to the forex conve₹ion rate.

SBI International Debit Card		Domestic	International
Daily Cash Limit at ATMs	Minimum	₹ 100	Varies from ATM to ATM
	Maximum	₹ 40,000	Varies from country to country, subject to a maximum of foreign currency equivalent of ₹ 40,000
Daily Point of Sales/ Online Transaction Limit	Minimum	No such limit	No such limit but subject to local regulations
	Maximum	₹ 75,000	PoS Transaction Limit: Varies from country to country, subject to a maximum of foreign currency equivalent of ₹ 75,000 Online Transaction Limit: Maximum per transaction and per month limit of foreign currency equivalent of ₹ 50,000 available only at select international online websites.

Since this card can be used globally, you have to pay higher annual charges.

Particulars	Charges*
Issuance Charges	Nil
Annual Maintenance Charges	₹ 175 + GST
Card Replacement Charges	₹ 300 + GST

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3. SBI Gold International Debit Card

This is also an international card but with some extra features. This card gives a higher rewards point for spending through it. You also get complimentary insurance cover for the accident, baggage loss and card loss. Using SBI Gold International Debit Card, you can withdraw up to ₹50 thousand in day.

SBI Gold International Debit Card		Domestic	International
Daily Cash Limit at ATMs	Minimum	₹ 100	Varies from ATM to ATM
	Maximum	₹ 50,000	Varies from country to country, subject to a maximum of foreign currency equivalent of ₹ 50,000
Daily Point of Sales/Online Transaction Limit	Minimum	No such limit	No such limit but subject to local regulations
	Maximum	₹ 2,00,000	PoS Transaction Limit: Varies from country to country, subject to a maximum of foreign currency equivalent of ₹ 2,00,000 Online Transaction Limit: Maximum per transaction and per month limit of foreign currency equivalent of ₹ 50,000, available only at select international online websites.

Annual charges of this card are similar to the other international debit cards. But, SBI also charges the issuance Fees on this card.

Particulars	Charges
Issuance Charges	₹ 100 + GST
Annual Maintenance Charges	₹ 175 + GST
Card Replacement Charges	₹ 300 + GST

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4. SBI Platinum International Debit Card

This is the most high profile SBI Debit card. The Rewardz and Insurance cover is similar to the SBI Gold International Debit Card. But, this card has a higher ATM withdrawal limit. You can withdraw up to  1 lakh per day. The shopping limit is much higher.

SBI Platinum International Debit Card		Domestic	International
Daily Cash Limit at ATMs	Minimum	₹ 100	Varies from ATM to ATM
	Maximum	₹ 1,00,000	Varies from country to country, subject to a maximum of foreign currency equivalent of ₹ 1,00,000
Daily Point of Sales/Online Transaction Limit	Minimum	No such limit	No such limit but subject to local regulations
	Maximum	₹ 2,00,000	PoS Transaction Limit: Varies from country to country, subject to a maximum of foreign currency equivalent of ₹ 2,00,000 Online Transaction Limit: Maximum per transaction and per month limit of foreign currency equivalent of ₹ 50,000, available only at select international online websites.

This is the most costly Debit card. You have to pay issuance charge of ₹300 for this debit card. Other charges are similar to SBI international debit cards. The platinum card gives you a higher insurance cover.

Particulars	Charges
Issuance Charges	₹ 300 + GST
Annual Maintenance Charges	₹ 250 + GST
Card Replacement Charges	₹ 300 + GST

You would know that SBI also limits the number of ATM transactions in a month. This includes non-financial transactions such as balance enquiry as well. In the 6 biggest cities, there would be 3 free transactions in a month while in other places, you can do 5 ATM transactions free of cost. After exceeding the free limit, the banks would charge for every extra transaction. So Be careful, and don’t do the small value multiple transactions.

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