State Bank Silver International Debit Card

Review Summary

State Bank Silver International Debit Card is a basic debit card. It offers SMS facility and 24X7 customer care service. You can also earn 1 reward point (FreedomRewardz) for every Rs. 200 spent.

Issuance fee: Nil
Annual fee: Rs. 150

In this Review

Features and details
Benefits of State Bank Silver 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 Silver International Debit Card fails to impress you!
SBI Gold International Debit Card Vs State Bank Silver International Debit Card
IDBI Bank Classic Debit Card Vs State Bank Silver International Debit Card
Final Word

State Bank Silver 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 Silver International Debit Card

Ease of access

You can use your State Bank Silver International Debit Card for shopping purposes at over five lakh merchant outlets in India as well as 30 million outlets worldwide. You can also use this debit card for making utility bill payments, booking movie tickets, travel and paying for your online purchases. Since this is a debit card cum ATM card; you can use it for withdrawing cash from State Bank Group ATMs or other ATMs in India and worldwide ATMs with MasterCard/Maestro/Visa logo.

State Bank Silver International Debit Card Loyalty Program

With State Bank Silver International Debit Card, you earn upto  1 FreedomRewardz point for every Rs. 200 spent on shopping, dining, filling fuel, booking travel tickets and making online purchases.

Further, you earn fifty State Bank Rewardz bonus points on your first and second purchase transactions; provided that these transactions are within completion of one calendar month of issuance of your debit card.

If you make your third purchase transaction within one calendar month using this debit card; you will earn 100 State Bank Rewardz bonus points. Use your State Bank Silver International Debit Card for minimum three purchase transactions and your reward points earned will be tripled.

SMS Facility

You’ll receive SMS every time your account is credited or debited. With State Bank Silver International Debit Card, you get instant SMS alerts for all cash withdrawal, purchase transactions, online transactions made on your State Bank Silver International Debit Card.

24X7 Helpline

With State Bank Silver 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

  1. Daily cash withdrawal limit: The daily domestic cash withdrawal limit is Rs. 40,000. Daily international cash withdrawal limit varies from country to country, subject to a maximum of $1,000 or equivalent.
  2. Daily purchase transaction limit:  The daily domestic purchase limit is Rs. 75,000. Daily international purchase limit varies from country to country, subject to a maximum of $1,500 or equivalent.

Fees and Charges

Annual fee

You have to pay Rs. 150 as the annual fee of State Bank Silver International Debit Card.

Transaction charges

Domestic transaction charges
  1. Transaction charges at SBI ATM’s: Nil
  2. 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
  1. Balance enquiry fee: Rs. 17
  2. Cash withdrawal charges: Rs. 169

Fuel surcharges

  1. 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.
  2. 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 fuel surcharge waiver

As a State Bank Silver International Debit Cardholder, you won’t get any benefit if you pay for your fuel expenses with this debit card. It does not give any fuel surcharge waiver.

No dining and entertainment benefits

If you are a movie buff or a foodie; then this debit card can prove to be a turnoff. State Bank Silver International Debit Card does not give any privileges, discounts or cashbacks on dining and entertainment.

No travel benefits

You won’t get any travel benefits; not even complimentary airport lounge access with this debit card.

Reasons to sign up for the card

  1. Rewards programme
  2. 24X7 helpline
  3. SMS alerts

Similar cards: In case State Bank Silver International Debit Card fails to impress you!

State Bank Silver International Debit Card is a basic debit card that can be used for transaction purposes internationally as well. It offers reward points, SMS alerts and 24X7 customer support. However, it does not offer other basic benefits which most of the debit cards provide; such as dining benefits, entertainment benefits, insurance coverage, fuel surcharge waiver and travel benefits. Following cards have more or less same benefits and charge similar fees. You can go for this debit card or for these similar cards.

SBI Gold International Debit Card Vs State Bank Silver 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 Silver International Debit Card is a basic debit card which can also be used internationally. It offers 24X7 customer care service and SMS facility. You can also earn 1 FreedomRewardz point for every Rs. 200 spent on dining, booking tickets, and other purchases. However, this debit card does not provide any dining, entertainment or travel benefits. So, if you don’t want such benefits and use this debit card as just an ATM card; then you can go for this card. Else, you can look for other cards.