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SBI ATM Card - How to Apply for SBI ATM Card Online and Offline?

By Mayashree Acharya

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Updated on: Apr 25th, 2025

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6 min read

State Bank of India, or SBI, as we all know, is an Indian multinational public sector bank. It is one of the most trusted banks in the country, with 1/4th of the market shares. SBI is the country’s largest public sector bank. It offers a wide range of banking services to cater to the needs of its unique customer base. This bank offers a wide range of debit cards and credit cards for the people of the country. 

Keep reading to learn how the SBI ATM card application online and offline process is done seamlessly.

Types of SBI Debit Card

Below are the different types of debit of ATM cards offered by SBI and their key benefits:

Debit CardKey Features
SBI Virtual Debit Card
  • Domestic and International e-commerce (e-com) and contactless payment
  • 2 reward points for every Rs. 200 spent on Point of Sale (POS) or e-com
  • 200 bonus points for 3 POS or e-com transactions in the issuance month
  • Instant debit card generation
SBI Global International Debit Card
  • Can be used for shopping at over 52 lakh merchant outlets in India and over 30 million worldwide
  • Can be used for booking movie tickets, travel, bill payments and other online payments and purchases over the internet
  • 200 bonus points on the first 3 purchases within a month
  • Standard points earned in the birthday month will get doubled
  • 2 reward points for every Rs. 200 spent on shopping, dining out, filling fuel, booking travel or on online spends
SBI Gold International Debit Card
  • Complimentary insurance 
  • 200 bonus points on the first 3 purchases within a month
  • Standard points earned in the birthday month will get doubled
  • 2 reward points for every Rs. 200 spent on shopping, dining out, filling fuel, booking travel or on online spends
SBI Platinum International Debit Card
  • Airport lounge access
  • 200 bonus points on the first 3 purchases within a month
  • Standard points earned in the birthday month will get doubled
  • 2 reward points for every Rs. 200 spent on shopping, dining out, filling fuel, booking travel or on online spends
SBI My Card International Debit Card
  • Can be used for shopping at over 6 lakh merchant outlets in India and over 30 million worldwide
  • Can be used for booking movie tickets, travel, bill payments and other online payments and purchases over the internet
SBI IOCL Co-Branded Contactless RuPay Debit Card
  • 6 reward points for every Rs. 200 spent at IOCL outlets
  • 2 standard points for every Rs. 200 spent at any POS or e-com other than IOCL

Eligibility Criteria to Apply for SBI Debit Card

SBI offers different types of debit cum ATM cards for their customers. Here are the eligibility criteria that customers generally need to fulfil to get the debit card of their choice:

  • An applicant should mandatorily have a savings or current account with SBI.
  • Applicants must be between 21 and 60 years old.
  • Certain factors like type of account, minimum relation and the relationship the applicant has with the bank are taken into consideration before offering any type of debit cum ATM card.

How to Apply for an ATM Card in SBI?

The State Bank of India offers the facility for SBI ATM card application online and offline. Here is a guide on all the methods you can use to apply for an ATM card:

Process to Apply for an SBI ATM Card Online

SBI offers a wide range of services through their online banking services. Here are the steps you can follow to apply for an ATM cum debit card via their net banking services:

Step 1: Log in to the SBI Net Banking portal using your username, password, and the captcha code.
 Step 2: Click on the ‘e-Services’ tab from the main menu.
 Step 3: Select ‘ATM Card Services’ and then click on ‘Request ATM/Debit Card’.
 Step 4: Choose your verification method—either using a One-Time Password (OTP) or your profile password.
 Step 5: If you selected OTP, enter the OTP received on your registered mobile number and click ‘Submit’.
 Step 6: A list of your bank accounts will be displayed. Select the account for which you want to request a card.
 Step 7: Fill in the required details like the name to be printed on the card and select the type of card.
 Step 8: Accept the terms and conditions, review all the details carefully, and then click ‘Submit’ to complete the request.

After the request has been successfully made, you will be notified about the duration within which you will receive your card.

Process to Apply for an SBI ATM Card Offline

There are two ways that you can apply for an ATM card from SBI using the offline method. These are using the customer care number or by visiting the branch. Following are the steps that are applicable if you are planning to apply for an SBI ATM card offline:

Through Customer Care Number

 Step 1: Give a call on any of the customer care numbers: 080-26599990, 1800 11 2211 (toll-free), 1800 425 3800 (toll-free), 1800 2100 (toll-free), 1800 1234 (toll-free).
 Step 2: Select the account you want the ATM card for, as well as the type of the card.
 Step 3: Request for a new debit card.

By Visiting Branch

 Step 1: Visit your nearest SBI bank branch.
 Step 2: Ask for an application form to get an ATM card from any bank representative.
 Step 3: Fill up the form and submit it along with all the necessary documents like PAN card and address proof.

After this, you will receive your ATM cum debit card at your address within a few days.

Process to Apply for an SBI Debit Card Using Written Request

You can request for an ATM card from SBI by a written request on their official email ID, which is customercare@sbi.co.in

Process to Apply for an SBI Debit Card Online Without Net Banking

SBI offers another way to opt for an SBI ATM card application online in a hassle-free way. This is by using the YONO app. Follow the below process to apply for a SBI debit card through the YONO app:

Step 1: Open the YONO app on the device of your choice.
Step 2: Click on the ‘Service Request’ option.
Step 3: Select the ‘ATM/Debit Card’ option. Provide your profile password and click on ‘Submit’.
Step 4: Next, click on the 'Request New/Replacement' option.
Step 5: Now, you need to select the SBI account for which you want your ATM card. Provide all the other details like the name that will be printed on your ATM card, the type of card, and your address. Tick the terms and conditions box. Click on the ‘Next’ option.
Step 6: After this, you will receive an OTP on your registered mobile number. Enter the OTP and tap on ‘Submit’.

You will receive a reference number using which you will be able to track your debit card that you will receive within a few days.

How to Activate SBI ATM Card?

After you receive your ATM card, the next step is to activate it so that you can use it. SBI offers different ways through which you can activate your card. These are online methods like the net banking portal and YONO app and offline methods like SMS and calling customer care. For offline methods, you will need to visit an SBI ATM branch and generate your PIN. Here is the process to activate SBI ATM cards under all methods available:

Using the Net Banking Portal

Step 1: Log in to your net banking portal using your credentials.
Step 2: Choose ‘e-Services’ and ‘ATM card services’.
Step 3: Select ‘New ATM Card Activation’.
Step 4: Choose the account for which you got the ATM card.
Step 5: Enter the 16-digit debit card number and click ‘Activate’.
Step 6: Verify your details and click on ‘Confirm’.
Step 7: Enter the password you received on your mobile and click ‘Confirm’. Your card will then be activated successfully.

Using the YONO App

Step 1: Log in to the YONO app using your credentials.
Step 2: Select the ‘Service Request’ option.
Step 3: Choose ‘ATM/Debit Card’ services.
Step 4: Enter the profile password and choose ‘ATM/Debit Card Activation’.
Step 5: Enter your 16-digit debit card number and click ‘Next’.
Step 6: Enter the OTP you receive, and your ATM card will be activated.

Via SMS

Step 1: Send an SMS, ‘PIN<Space>last 4 digits of your debit card number<Space>last four digits of your account number’ to 567676.
Step 2: After verification, you will receive an OTP, which will be valid for 2 days.
Step 3: Visit the nearest SBI ATM branch, click ‘PIN Change’, enter your OTP and set a new PIN.

Using Customer Care Number

Step 1: Call any customer care numbers, 1800 425 3800 or 1800 11 2211.
Step 2: Choose your preferred language and press 1 to generate a debit card PIN.
Step 3: Enter the last 5 digits of your debit card number and the last 5 digits of your account number.
Step 4: You will receive an OTP valid for 2 days.
Step 5: Visit the nearest SBI ATM branch, select ‘PIN Change’, enter your OTP and set a new PIN.

SBI Debit Card Processing Time

After application, the card usually takes 7–10 working days for your SBI Debit Card to be processed and delivered. The card is dispatched via India Post, and you’ll get an SMS with a tracking number once it’s shipped. Once delivered, you’ll need to activate the card and set your PIN before use. 

How to Track SBI ATM Card?

If there is any type of delay beyond the notified number of days within which you were supposed to receive your ATM card, you can track it. You can track the status of your card using the net banking portal, YONO app, customer care number and India Post Portal.

Using Net Banking

Step 1: Log in to SBI NetBanking and go to ATM Card Services.
Step 2: Select “Request ATM/Debit Card” and then choose “Enquiry.”
Step 3: Choose your account and the month of application, then click Submit to check your card status.

Using YONO App

 Step 1: Open the YONO app and go to Manage Cards.
 Step 2: Tap Manage Debit Card, select your account, and enter the application year and month.
 Step 3: Click Submit to view your card's dispatch details.

Contacting Customer Care

Step 1: Call SBI customer care at 1800 11 2211 or 1800 425 3800.
Step 2: Provide your account number and application date, and ask for the delivery status of your ATM card.

Using India Post Portal

Step 1: Find the Speed Post tracking number in your SMS from SBI.
Step 2: Visit the India Post Track Consignment page, enter the tracking number, and click Track to view the current status of your ATM card.

SBI ATM Card Charges

ParticularsCharges
Debit Card Issuance Charges
  • Classic, Silver, Global or Contactless Debit Card - NIL
  • Gold Debit Card - Rs. 100 + GST
  • Platinum Debit Card - Rs. 300 + GST
Debit Card Annual Maintenance Charges
  • Classic, Silver, Global or Contactless Debit Card - Rs. 200 + GST
  • Yuva, Gold, Combo or My Card Debit Card - Rs. 250 + GST
  • Platinum Debit Card - Rs. 325 + GST
  • Platinum Business RuPay Card - Rs. 350 + GST
  • Pride or Premium Business Debit Card - Rs. 425 + GST
International Transaction Charges
  • Balance enquiry at ATMs - Rs. 25 + GST
  • ATM cash withdrawal transactions - Rs. 100 min + 3.5% of transaction amount + GST
  • POS or e-com transactions - 3% of transaction amount + GST
Debit Card Replacement ChargesRs. 300 + GST

Conclusion

Now that you are aware of all the ways to implement the SBI ATM card application online as well as offline mode, you can choose the way which is most convenient for you. However, while applying for your ATM card, it is best to maintain caution and only use the official website. 

Related Other Banks Articles:
1. How to Apply for Bank of Baroda ATM Card Online and Offline?
2. How to Apply for PNB ATM Card Online and Offline?
3. How to Apply for Bank of India ATM Card Online and Offline?

Related SBI Articles:
1. SBI Bank Balance Check Number  
2. How to activate mobile banking in SBI
3. How To Increase UPI Transaction Limit In SBI?
4. SBI Debit Card Charges: Withdrawal Charges, Per Year Charges, Decline Charges
5. How to Activate SBI Net Banking?
6. How to Change SBI Mobile Number via ATM, Net Banking, Visiting Branch

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Frequently Asked Questions

How many days it (a debit card) will take to reach the address?

When you apply for a debit card, it usually does not take more than 7 to 10 days to reach your address.

Can I apply for SBI Debit Card Online?

Yes, you can apply for an SBI debit card online via their net banking portal and the YONO app.

Which SBI ATM card is best?

There are a total of 6 types of debit cards that SBI offers. These are the SBI Global International Debit Card, SBI Gold International Debit Card, SBI Platinum International Debit Card, SBI Mumbai Metro Combo Debit Card, SBI My Card International Debit Card, SBI IOCL Co-Branded Contactless RuPay Debit Card. All of them cater to different needs of the people; therefore, they might be beneficial for different people.

What are SBI debit card types?

There are 6 types of SBI debit cards, namely SBI Global International Debit Card, SBI Gold International Debit Card, SBI Platinum International Debit Card, SBI Mumbai Metro Combo Debit Card, SBI My Card International Debit Card, SBI IOCL Co-Branded Contactless RuPay Debit Card.

Can I get an SBI Debit Card in one day?

No, the SBI debit card takes a minimum of 7 days after submission of the application form to reach your address.

How can I get an SBI ATM without visiting the branch?

You can get an SBI ATM without visiting a branch by applying online either through their net banking portal, YONO app or by writing a mail or calling their customer care number.

How to renew expired SBI debit card?

To renew an expired SBI debit card, you can request a new one through the YONO app, SBI Netbanking, by visiting your home branch, or by calling SBI customer care (1800 1234 or 1800 2100). Just log in, go to service requests, select “Request New/Reissue Debit Card,” enter your details, and confirm with OTP. The new card will be delivered to your registered address.

About the Author

I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

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