State Bank of India (SBI), the largest public sector bank in India, offers a range of debit cards with various benefits and associated charges. Understanding SBI ATM charges is crucial for account holders to avoid unnecessary fees and manage their transactions efficiently.
In this article, we will provide a detailed breakdown of SBI ATM charges for 2025, including issuance fees, annual maintenance charges, withdrawal fees, and other important details.
SBI Debit Card Issuance Charges
State Bank Of India provides different types of debit cards, each with specific issuance fees:
- Classic Debit Card – No issuance charges.
- Silver / Global / Contactless Debit Card – No issuance charges.
- Gold Debit Card – Rs.100 + GST.
- Platinum Debit Card – Rs.300 + GST.
SBI Debit Card Annual Maintenance Charges
SBI recovers annual maintenance charges (AMC) from the second year onwards. Below are the AMC fees for different cards:
- Classic Debit Card – Rs.200 + GST.
- Silver / Global / Contactless Debit Card – Rs.200 + GST.
- Yuva / Gold / Combo / My Card (Image) Debit Card – Rs.250 + GST.
- Platinum Debit Card – Rs.325 + GST.
- Platinum Business RuPay Card – Rs.350 + GST.
- Pride / Premium Business Debit Card – Rs.425 + GST.
SBI ATM Withdrawal Charges
Free ATM Transactions
The number of free ATM transactions allowed per month depends on the type of account and location:
| Average Monthly Balance (AMB) | SBI ATM Transactions | SBI ATMs in Metro Cities* | Other Bank ATMs |
|---|---|---|---|
| Up to Rs.25,000 | 5 | 3 | 5 |
| Rs.25,000 – Rs.50,000 | Unlimited | 3 | 5 |
| Rs.50,000 – Rs.1,00,000 | Unlimited | 3 | 5 |
| Above Rs.1,00,000 | Unlimited | Unlimited | Unlimited |
(*Metro cities: Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad)
Charges for Exceeding Free ATM Transactions
- SBI ATM Withdrawal Charges – Rs.10 + GST per transaction.
- Other Bank ATM Withdrawal Charges – Rs.20 + GST per transaction.
Non-Financial Transactions
- Other Bank ATM (Beyond Free Limit) – Rs.8 + GST per transaction.
- SBI ATMs (Beyond Free Limit) – No charge.
SBI Declined Transaction Charges
If a transaction is declined due to an insufficient balance, SBI charges Rs.20 + GST per transaction.
International Transaction Charges
SBI debit cardholders can use their cards internationally, but additional charges apply:
- Balance Enquiry at International ATMs – Rs.25 + GST per enquiry.
- ATM Cash Withdrawal (International) – Rs.100 + 3.5% of the transaction amount + GST.
- POS & eCommerce Transactions (International) – 3% of the transaction amount + GST.
SMS Alert Charges
SBI levies a quarterly SMS charge of Rs.12 for debit cardholders maintaining an average quarterly balance below Rs.25,000.
How to Avoid Unnecessary SBI ATM Charges?
To minimize ATM charges, follow these tips:
- Maintain a Higher Balance – Account holders with an AMB above Rs.1 lakh get unlimited free transactions.
- Use SBI ATMs – More free transactions are allowed at SBI ATMs compared to other banks.
- Opt for Digital Banking – Use UPI, net banking, or mobile banking for transactions to avoid ATM withdrawal fees.
- Keep Track of Transactions – Monitor account balance and avoid declined transactions due to insufficient funds.
Frequently Asked Questions (FAQs)
1. How many free ATM transactions do SBI customers get per month?
SBI customers can get 5 free transactions per month at SBI ATMs if their AMB is up to Rs.25,000. In metro cities, the limit is 3 for other bank ATMs, while non-metro areas allow 5 free transactions at other bank ATMs.
2. What are the charges for exceeding free ATM withdrawals?
SBI charges Rs.10 + GST per transaction at SBI ATMs and Rs.20 + GST per transaction at other bank ATMs for withdrawals beyond the free limit.
3. Are there charges for declined transactions due to insufficient funds?
Yes, SBI charges Rs.20 + GST if a transaction is declined due to insufficient balance.
4. What is the withdrawal limit for SBI debit cards?
The withdrawal limit depends on the card type. Generally, daily withdrawal limits range from Rs.25,000 to Rs.2,00,000 based on the type of debit card.
5. How much does SBI charge for international ATM withdrawals?
For international withdrawals, SBI charges Rs.100 + 3.5% of the transaction amount, along with applicable GST.
6. How can I avoid paying SBI ATM charges?
To avoid charges, maintain an AMB of Rs.1 lakh or more to get unlimited free transactions, use SBI ATMs instead of other bank ATMs, and prefer digital banking options like UPI or net banking for transactions.
Being aware of SBI ATM charges helps customers plan their transactions wisely and avoid unnecessary fees. Whether it’s issuance charges, annual maintenance fees, or withdrawal charges, understanding these fees ensures better financial management.
