Last Reviewed: September 2026 | Valid for all SBI EMV Chip Debit Cards 2026
State Bank of India has completely migrated from old Magstripe debit cards to EMV chip-based debit cards. If you still have an old Magstripe card (no chip visible on front), you must switch to an EMV chip card immediately. Covered below all SBI debit card types, fees, how to apply online via YONO app, and everything NRI customers in UAE and Gulf need to know.
What is an SBI EMV Chip Card? — Magstripe vs EMV 2026
| Feature | Old Magstripe Card | EMV Chip Card 2026 |
|---|---|---|
| Security | Static data — easy to clone | Unique code per transaction — cannot be cloned |
| Fraud risk | High — card skimming common | Very low — chip generates dynamic data |
| How to identify | No chip on front of card | Gold/silver chip visible on front left |
| International use | Limited | Accepted worldwide at EMV terminals |
| Contactless | No | Yes — tap to pay at POS terminals |
| RBI mandate | Discontinued | Mandatory for all new cards |
All SBI Debit Card Types with EMV Chip — 2026
| Card Type | Daily ATM Limit | Annual Fee | Best For |
|---|---|---|---|
| SBI Classic/Silver/Global | Rs 40,000 | Rs 200 + GST | Regular banking |
| SBI Gold International | Rs 50,000 | Rs 250 + GST | Shopping + rewards |
| SBI Platinum International | Rs 1,00,000 | Rs 325 + GST | Premium — lounge access + insurance |
| SBI My Card International | Rs 40,000 | Rs 250 + GST | Customisable card design |
| SBI IOCL Co-branded | Rs 40,000 domestic | Rs 200 + GST | Fuel rewards at IOCL pumps |
| SBI Virtual Card | Nil | Nil | Online shopping only |
| SBI Global International (NRI) | Rs 50,000 international | Rs 200 + GST | NRI UAE Gulf customers |
SBI Debit Card Fees and Charges 2026
| Charge | Amount |
|---|---|
| Issuance — Classic, Silver, Global, Contactless | NIL |
| Issuance — Gold Debit Card | Rs 100 + GST |
| Issuance — Platinum Debit Card | Rs 300 + GST |
| Annual Maintenance — Classic, Silver, Global, Contactless | Rs 200 + GST |
| Annual Maintenance — Yuva, Gold, Combo, My Card | Rs 250 + GST |
| Annual Maintenance — Platinum | Rs 325 + GST |
| Replacement of debit card | Rs 300 + GST |
| EMV replacement for blocked Magstripe card | FREE |
| International ATM cash withdrawal | Rs 100 + GST + 3.5% of transaction |
| International POS or e-commerce | 3% of transaction + GST |
| Free ATM transactions per month at SBI ATMs | 5 transactions free |
How to Apply for SBI EMV Chip Debit Card 2026 — 3 Methods
Method 1: Apply via YONO SBI App (Easiest)
- Open YONO SBI app and login with MPIN
- Tap Service Request from menu
- Select ATM/Debit Card
- Enter your Profile Password
- Tap Request New/Replacement
- Select the SBI account for which you need the card
- Choose card type — Global, Gold, Platinum etc.
- Enter name to be printed and delivery address
- Accept Terms and tap Submit
- Reference number sent via SMS — use to track delivery
Method 2: Apply via Online SBI Net Banking
- Login to onlinesbi.sbi
- Click e-Services tab in top menu
- Select ATM Card Services
- Click Request ATM/Debit Card
- Choose verification method — Profile Password or OTP
- Enter OTP sent to registered mobile
- Select account and card type
- Enter name and confirm details
- Click Submit — card dispatched within 7 working days
Forgot net banking password? See how to reset SBI net banking password.
Method 3: Apply at SBI Branch (Offline)
- Visit your nearest SBI branch with original ID proof
- Request ATM/Debit Card application form
- Fill account number, name, card type preference
- Submit with self-attested PAN card and address proof copy
- Card dispatched to registered address within 7-10 working days
How to Track SBI Debit Card Delivery Status 2026
- Visit indiapost.gov.in
- Enter the Speed Post consignment number from SMS
- Enter verification code and click Track Now
- Delivery status and location displayed instantly
See also: detailed SBI ATM card delivery tracking guide.
SBI Debit Card Eligibility Criteria 2026
- Must have an active SBI savings or current account
- Age: 21 to 60 years (varies by card type)
- Card type issued depends on account type, minimum balance, and relationship with bank
- NRI customers with NRE or NRO accounts eligible for SBI Global International Debit Card
How to Change SBI Debit Card Withdrawal Limit 2026
- Login to onlinesbi.sbi
- Click e-Services then ATM Card Services
- Select ATM Card Limit/Channel/Usage Change
- Choose your card number
- Select Change Daily Limit from dropdown
- Set limit for ATM withdrawal or POS purchases separately
- Click Submit — change effective immediately
How to Enable E-commerce and International Transactions on SBI Debit Card
- Enable e-commerce via SMS: Send SWON ECOM XXXX (last 4 digits of card) to 09223966666 from registered mobile
- Disable e-commerce via SMS: Send SWOFF ECOM XXXX to 09223966666
- Enable international use: YONO app → Service Request → ATM Card Services → ATM Card Limit/Channel/Usage → Enable International
- Via net banking: e-Services → ATM Card Services → ATM Card Limit/Channel/Usage Change → Enable International
SBI EMV Chip Card for NRI Customers — UAE and Gulf 2026
NRI customers in UAE, Saudi Arabia, Oman, Qatar, and Kuwait can use SBI Global International Debit Card linked to their NRE or NRO account:
- Withdraw cash at ATMs worldwide — Rs 50,000 daily international limit
- Shop at over 30 million merchant outlets worldwide
- No foreign transaction fee at SBI international branches
- EMV chip prevents card cloning at UAE and Gulf ATMs
- Contactless tap-to-pay at UAE mall POS terminals
- Apply for NRI debit card via YONO SBI app or visit SBI NRI branch
For sending money from UAE to Kerala, see best apps to send money from UAE to Kerala 2026.
SBI EMV Chip Card — Common Problems and Fixes
| Problem | Fix |
|---|---|
| Old Magstripe card blocked permanently | Apply for free EMV replacement via YONO app or branch — no charge |
| Card not working at chip terminal | Ensure card is inserted correctly — chip facing up. Clean chip with soft cloth |
| International transactions declined | Enable international usage via net banking or SMS SWON INTL XXXX to 09223966666 |
| Online transactions declined | Enable e-commerce via SMS: SWON ECOM XXXX to 09223966666 |
| Card not received after 10 days | Track via indiapost.gov.in or call 1800-11-2211 |
| Card lost or stolen | Block immediately — YONO app or missed call 9223966666 or call 1800-11-2211 |
Frequently Asked Questions — SBI EMV Chip Debit Card 2026
What is an SBI EMV chip debit card and why is it better?
SBI EMV chip debit card has an embedded microprocessor that generates a unique transaction code for every payment — making card cloning and skimming virtually impossible. Old Magstripe cards had static data that could be easily copied. All new SBI debit cards in 2026 are EMV chip-based.
How to identify if my SBI card is EMV chip or Magstripe?
Check the front of your card. If you see a gold or silver metallic chip (small square) on the left side, it is an EMV chip card. If there is no chip and only a magnetic stripe on the back, it is an old Magstripe card that needs to be replaced.
Is there a charge for replacing Magstripe card with SBI EMV chip card?
No. If your Magstripe debit card has been blocked, SBI issues the EMV chip replacement card completely free of charge. Apply via YONO SBI app, net banking, or at your SBI branch.
How to apply for SBI EMV chip debit card online in 2026?
Login to YONO SBI app, go to Service Request, select ATM/Debit Card, tap Request New/Replacement, choose card type, enter delivery address and submit. Alternatively login to onlinesbi.sbi, go to e-Services, ATM Card Services, and Request ATM/Debit Card.
What is the annual fee for SBI EMV chip debit card?
SBI Classic, Silver, Global, and Contactless debit cards have annual maintenance charge of Rs 200 plus GST. Gold and My Card charge Rs 250 plus GST. Platinum charges Rs 325 plus GST. Rs 236 that is debited from your account is the annual debit card maintenance charge including GST.
Can NRI customers in UAE use SBI EMV chip debit card?
Yes. NRI customers in UAE, Saudi Arabia, Oman, Qatar, and Kuwait can use SBI Global International EMV chip debit card to withdraw cash and shop at over 30 million merchant outlets worldwide. International daily ATM limit is Rs 50,000.
How many free ATM transactions are allowed with SBI debit card per month?
SBI allows 5 free transactions per month at SBI ATMs. After 5 transactions, fees apply. At other bank ATMs, 3 free transactions per month in metro cities and 5 in non-metro cities as per RBI guidelines.
How long does it take to receive SBI debit card after applying?
SBI dispatches the debit card within 3-5 working days of approval. Total delivery time is 7-10 working days via India Post Speed Post. Track delivery at indiapost.gov.in using the consignment number sent via SMS.
Related SBI Guides
- SBI Banking Complete Guide 2026
- YONO SBI App Registration 2026
- SBI ATM PIN Generation 2026
- Track SBI ATM Card Delivery Status
- Link Aadhaar with SBI Account 2026
- SBI Unauthorised Transaction Complaint 2026
- Reset SBI Net Banking Password
