Review Summary
State Bank Global International Debit Card is a basic debit card. It offers SMS facility and 24X7 customer service. It is available in both VISA and MasterCard variants. Also, you earn 1 FreedomRewardz point for every Rs. 200 spent. Hence, you can earn while you spend!
Annual fee: Rs. 150
In this Review
Features and details
Benefits of State Bank Global International Debit Card
Cash Withdrawal and Transaction Limits
Fees and Charges
Drawbacks of the card
Reasons to sign up for the card
Similar cards: In case State Bank Global International Debit Card fails to impress you!
SBI Gold International Debit Card Vs State Bank Global International Debit Card
IDBI Bank Classic Debit Card Vs State Bank Global International Debit Card
Final Word
State Bank Global International Debit Card: Features and details
| Issuance fee | Nil |
| Annual fee | Rs. 150 |
| Daily cash withdrawal limit | Rs. 40,000 |
| Daily purchase limit | Rs. 75,000 |
| Card replacement charges | Rs. 204 |
Benefits of State Bank Global International Debit Card
Ease of access
You can use your State Bank Global International Debit Card for shopping purposes at over 6 lakh merchant outlets in India, and over thirty million worldwide. You can also use it for making bill payments, booing movie tickets, travel or for making any online purchase. You can also use it for withdrawing cash from State Bank ATMs and other ATMs with Maestro/MasterCard/VISA logo worldwide.
Rewards programme
With State Bank Global International Debit Card, you can earn 1 FreedomRewardz point for every Rs. 200 spent. Hence, you can earn while dining, shopping, filling fuel or just by purchasing online. Further, you can also earn bonus reward points on the first three purchase transactions using your State Bank Global International Debit Card as under:
- You earn fifty bonus FreedomRewardz points on your first purchase transaction within completion of one calendar month of card issuance.
- You earn fifty additional bonus FreedomRewardz points on your first purchase transaction within completion of one calendar month of card issuance.
- You earn hundred bonus FreedomRewardz points on your third purchase transaction within completion of one calendar month of card issuance.
Further, if you continue using your State Bank Global International Debit Card for at least three purchase transactions in a quarter, the points earned will be doubled. TheseFreedomRewardz Points earned can be redeemed for exciting gifts and vouchers.
SMS Alert
You’ll get SMS alerts for all your cash withdrawals, purchase transactions and online transactions made on your State Bank Global International Debit Card.
24X7 Customer Care service
With State Bank Global International Debit Card, you’ll get 24X7 assistance service. You can simply call on 080-26599990 or toll-free nos. 1800 11 2211 or 1800 425 3800 for any kind of queries related to debit card or account. You can even mail them at [email protected].
Cash Withdrawal & Transaction Limits
- Daily cash withdrawal limit: Rs. 40,000
- Daily purchase limit: Rs. 75,000
Fees and Charges
Annual fees
You have to pay Rs. 150 as the annual fee with State Bank Global International Debit Card.
Transaction charges
Domestic transaction charges
- Transaction charges at SBI ATM’s: Nil
- Transactions charges at other banks ATM’s: If you are a savings account holder; then you won’t be charged till 5th transaction. After that; you’ll be charged Rs. 17 per financial transaction and Rs. 6 per non-financial transaction. If you are a current account holder, then you have to pay these charges from the first transaction itself.
International Transaction charges
- Balance enquiry fee: Rs. 17
- Cash withdrawal charges: Rs. 169
Fuel surcharges
- On SBI’s POS terminals: You’ll be charged 0.75% of transaction amount for transactions up to Rs. 2,000 or Rs. 10 (whichever is higher). For transactions worth Rs. 2,000; you have to pay a surcharge of 1% of transaction value.
- On other bank’s POS terminals: You’ll be charged 2.5% of transaction value or Rs. 10 (whichever is higher).
Other fees and charges
Debit card replacement charges: Rs. 204
Regeneration of Pin: Rs. 51
Drawbacks of the card
No dining and entertainment benefits
State Bank Classic Debit Card does not offer entertainment and dining benefits. So if you are a movie buff or a foodie; then this card is not for you.
No fuel surcharge waiver
You won’t get fuel surcharge waiver with this debit card. If you want waivers or cashbacks, then this card is not for you.
No travel benefits
State Bank Classic Debit Card does not provide travel privileges. It does not even provide complimentary access to airport lounges. Hence, if you want such benefits, you can look for other debit cards.
Reasons to sign up for the card
- SMS Facility
- FreedomRewardz Programme
- 24X7 Customer Care service
State Bank Global International Debit Card is a basic debit card. The facilities and benefits offered can be found in every other debit card. However, if you want to use this card as an ATM card or just for purchases; then it is a pretty decent choice. You’ll be earning reward points for purchases as well. However, if you want some other benefits like dining, entertainment or travel; you can look for other cards. The following two cards offer similar benefits and charges approximately same. So you can go for these cards or stick to State Bank Global International Debit Card.3
SBI Gold International Debit Card Vs State Bank Global International Debit Card
Complimentary insurance with SBI Gold International Debit Card
This card provides you with complimentary accidental insurance (accidental death only) of Rs.2 lakhs. The card also carries a purchase protection for theft/burglary upto 90 days from the date of purchase upto Rs.5,000 in respect of items purchased by using State Bank Debit Card only at PoS/Online.
Higher transaction limits with SBI Gold International Debit Card
With SBI Gold International Debit Card, you can withdraw cash from ATM’s upto Rs. 50,000 and make purchases upto Rs. 2,00,000.
For more information, you can read our SBI Gold International Debit Card Review.
Final Word
State Bank Global International Debit Card is a basic debit card that offers SMS facility, 24X7 customer service and reward points on almost all your spends. It is an EMV chip debit card to provide enhanced security. However, these are the common benefits which most of the debit cards offer. If you want a debit card just for cashless transactions and for cash withdrawal purposes; you can go for this card. Else, you can go for other cards.