Choosing the right debit card can be confusing—especially with all the technical jargon, hidden fees, and complicated features. But don’t worry, we’re here to break it all down for you in plain language.
Whether you’re a woman looking for exclusive lifestyle perks, a frequent traveler, or someone who fuels up regularly at HPCL petrol pumps, State Bank of India (SBI) has launched three powerful debit card options just for you:
- SBI Nari Shakti Platinum Debit Card
- SBI Mastercard World Debit Card
- SBI HPCL Co-Branded Debit Card
Let’s explore what each of these cards offers, who they’re meant for, and how they can benefit your daily life.
SBI Nari Shakti Platinum Debit Card – Empowering Women with Exclusive Benefits
Who Can Apply?
This card is specially designed for women account holders (excluding Financial Inclusion account holders). If you’re a woman with an SBI account, you’re eligible!
Card Type
- Card Network: RuPay Platinum
- Technology: EMV Chip + PIN + Contactless payments
- Validity: 5 years
- Usage: Domestic & International
Daily Limits
- ATM Withdrawal: ₹100 – ₹1,00,000/day
- PoS Transactions: ₹5,00,000/day
- E-Commerce:
- Domestic: ₹1,00,000/day or ₹1,50,000/month
- International: ₹5,000 per transaction
Fees
- Issuance Fee: ₹399 + GST (from 2nd year onwards)
- Contactless Limit: ₹499 + GST
- Annual Maintenance: As per WDC guidelines
Note: Even SBI staff, pensioners, and salary package customers must pay issuance and AMC charges.
Exclusive Perks for Women
| Benefit | Frequency |
|---|---|
| Free Lounge Access (Domestic) | 1 visit/year |
| Flipkart Voucher (₹250) | Quarterly |
| Annual Gaana Subscription | Yearly |
| Women’s Health Check-up (with Pap Smear) | Yearly |
| BookMyShow ₹250 off (2 tickets) | Yearly |
| Nykaa Voucher (₹500) | Yearly |
| Ixigo Voucher (₹500) | Yearly |
| Zee5 Annual Subscription | Yearly |
| Giva Jewellery Voucher (₹500) | Yearly |
| 24/7 Domestic Concierge Service | Anytime |
| Exclusive Merchant Offers | Ongoing |
Insurance Cover
- Personal Accidental Insurance: Up to ₹10 Lakhs
(Available only if you’ve used your card at least once within 30 days before the accident)
SBI Mastercard World Debit Card – Premium Benefits for Global Citizens
If you shop, travel, and transact frequently—both in India and abroad—this high-end card is tailor-made for you.
Card Details
- Network: Mastercard
- Variant: Mastercard World
- Type: International, multi-purpose card
Daily Limits
- ATM Withdrawals:
- Domestic: ₹2,00,000
- International: USD equivalent of ₹2,00,000
- PoS/Online Transactions:
- Domestic: ₹5,00,000/day
- International: USD equivalent of ₹1,50,000/day or ₹2,50,000/month
Fees
- Issuance Fee: ₹800 + GST
- Annual Maintenance: ₹800 + GST (from 2nd year onwards)
- Replacement Fee: ₹300 + GST
👉 Non-payment of AMC may lead to card deactivation and permanent blocking after 3 months.
Premium Lifestyle Benefits
| Brand | Offer |
|---|---|
| OTT Play | 12 months FREE subscription (SonyLiv, Zee5, Lionsgate & more) |
| MediBuddy | Free Smart Health Checkup (44 tests) + up to 30% off online doctor consults |
| CureFit | 1-month FREE online fitness classes |
| Swiggy One | 12-month free subscription (dining, groceries, etc.) |
| BookMyShow | Buy 1 ticket, get ₹200 off on the second |
| Tattva Spa | ₹1000 off on spa therapies |
| Yatra | Up to ₹3000 off on flight/hotel bookings |
| Zoom Car | 10% off (up to ₹500), no minimum rental |
Vouchers are time-bound and usually issued quarterly.
Insurance & Protection
| Type | Coverage |
|---|---|
| Accidental Death (Non-Air) | ₹10,00,000 |
| Accidental Air Death (if ticket bought via card) | ₹20,00,000 |
| Purchase Protection | ₹1,00,000 |
| Family Transportation & Mortal Remains | ₹50,000 |
| Checked-in Baggage Loss | ₹25,000 |
SBI HPCL Co-Branded Debit Card – Perfect for Everyday Commuters
Drive or ride a lot? This card offers fuel savings + reward points on HPCL transactions.
Card Features
- Network: Mastercard
- Variant: Mastercard Platinum (Everyday Card)
- Type: International
Daily Limits
- ATM Withdrawals:
- Domestic: ₹40,000
- International: USD equivalent of ₹40,000
- PoS/Online Transactions:
- Domestic: ₹2,00,000/day
- International: USD equivalent of ₹1,00,000/day or ₹1,50,000/month
Charges
- Issuance Fee: ₹350 + GST
- AMC: ₹350 + GST
- Replacement Fee: ₹300 + GST
Fuel-Linked & Lifestyle Benefits
| Activity | Reward |
|---|---|
| Fuel at HPCL (via HP Pay wallet) | 1 Happy Coin per ₹100 |
| HP Pay Recharge using Card | 4 Happy Coins per ₹100 |
| Direct Payment via HP Pay App | 5 Happy Coins per ₹100 |
No charges for HP Pay wallet recharge.
| Lifestyle Benefit | Details |
|---|---|
| Lounge Access | 1 per quarter (Domestic) |
| Reward Points | 2X on HPCL, standard on other merchants |
| Redemption | At HPCL outlets via PoS |
Insurance Protection
| Type | Coverage |
|---|---|
| Accidental Death (Non-Air) | ₹5,00,000 |
| Accidental Air Death | ₹10,00,000 |
| Purchase Protection | ₹50,000 |
| Transportation & Mortal Remains | ₹50,000 |
| Checked-in Baggage Loss | ₹25,000 |
Which SBI Debit Card Should You Choose?
| Lifestyle Need | Best Card Option |
|---|---|
| Women seeking lifestyle + health benefits | Nari Shakti Debit Card |
| Frequent international traveler or premium spender | Mastercard World Card |
| Daily commuter & fuel buyer | HPCL Co-Branded Card |
How to apply a debit Card in SBI?
Using the YONO App
To request a new debit card through the YONO app:
- Open the YONO SBI application and log in to your account.
- Navigate to the ‘Service Request’ menu.
- Select the ‘ATM/Debit Card’ option.
- Choose the ‘Request New/Replacement’ option and provide your profile password.
- Follow the on-screen prompts to select your account and card type, and confirm your details.
Through Net Banking
To submit an application via the internet banking portal:
- Log in to your SBI net banking account.
- Click on the ‘e-Services’ tab.
- From the services listed, select ‘ATM Card Services’.
- Choose the ‘Request ATM/Debit Card’ option.
- Verify your request, likely using an OTP sent to your registered mobile number.
At a Bank Branch
For an offline application, you can visit a branch:
- Go to your nearest SBI branch (Home Branch or Non-Home Branch) during business hours.
- Request a debit card application form from a bank representative.
- Complete the form with the necessary details.
- Submit the form, along with any required identification and address proof, to a bank official.
Via Customer Care
You can also call the customer care line to place a request:
- Call one of SBI’s toll-free customer care numbers, such as 1800 1234 or 1800 2100.
- Follow the IVR instructions and connect with a customer service representative.
- Provide your account details for verification and request a new debit card.
Final Thoughts
All three SBI debit cards come loaded with benefits—but the right card for you depends on your lifestyle, spending habits, and financial goals.
- Need health check-ups, beauty deals, and entertainment? Go for the Nari Shakti Card.
- Want high withdrawal limits, global usage, and premium lifestyle perks? Opt for the Mastercard World Card.
- Drive a lot and want to save on fuel? The HPCL Everyday Card is your best bet.
Pro Tip: Use your debit card at least once every 30–90 days to keep your insurance benefits active.
For more details and to apply, visit your nearest SBI branch or check the official SBI website.
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