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Public sector bankFresh

State Bank of India

Research State Bank of India across published cards, accounts, deposits, digital payments, everyday-banking controls and business-banking services, with dated first-party evidence and product-level review dates.

Explore banking researchOfficial site ↗
27Banking profiles
9Credit cards
2Verified relationships
0Reviews due
Research systems

Start with the banking system, then open the exact product.

Each system keeps its own evidence, review date and decision fields. Shared-bank context never substitutes for exact product terms.

01Credit cardsFees, rewards, lounge, forex and approval route9profiles02Debit cardsAccount linkage, charges, ATM/POS limits and access3profiles03Savings accountsBalance rule, charges, access and debit-card relationship8profiles04Salary accountsEmployer/salary conditions and what changes if salary stops1profile05Fixed depositsDated rates, tenure, customer category and liquidity3profiles06Recurring depositsMonthly instalment, contracted rate, tenure and missed-payment rules1profile07Business bankingRoles, bulk payments, collections, merchant tools, cash management and integrations1profile08Merchant paymentsQR, POS, Soundbox, gateway acceptance, settlement, pricing and reconciliation1profile09International debit cardsInternational activation, overseas ATM/POS/e-commerce, forex/DCC, limits and support1profile
What this dossier does

Organizes published evidence, freshness, explicit product relationships and maintained comparisons for one institution.

What it does not do

It does not rank bank quality, predict approval, infer product bundling or claim complete coverage of the institution's live catalogue.

Exact banking research

27 published profiles with product-level evidence.

Search locally by product, fee, rate, balance, eligibility or benefit. Filtering never creates additional public URLs.

27 profilesPublished research only
Product system

Debit card

3 profiles
State Bank of IndiaDebit card

SBI Basic RuPay ATM-cum-Debit Card

The basic RuPay ATM-cum-debit card SBI explicitly issues with its full-KYC BSBDA and BSBDA Small Account, with no issuance or annual-maintenance charge under those relationships.

First-party checked3 bank sourcesReviewed September 9, 2026
Cost / feeSBI states the Basic RuPay ATM-cum-Debit Card is issued free of cost with no annual maintenance charge for the reviewed BSBDA and Small Account relationships.
Best fitSBI BSBDA customers who need basic ATM/debit access rather than a premium international debit-card proposition.
View research
State Bank of IndiaDebit card

SBI Global International Debit Card

A State Bank of India international debit card with domestic ATM and purchase limits plus international usage subject to local and card controls.

First-party checked1 bank sourceReviewed September 9, 2026
Cost / feeSee the current SBI debit-card charges schedule; the reviewed product page links to the bank's debit-card charge table rather than embedding a stable annual-fee figure.
Best fitSBI customers who want a mainstream international-use debit card and prefer SBI Rewardz-linked card spending.
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State Bank of IndiaDebit card

SBI Platinum International Debit Card

A premium State Bank of India international debit card with SBI Rewardz earning, lounge eligibility and higher domestic ATM/POS limits than SBI's mainstream Global card.

First-party checked2 bank sourcesReviewed September 9, 2026
Cost / feeThe product page points to SBI's current debit-card charge schedule rather than embedding a stable annual-maintenance figure; verify the live charge table before issuance or renewal.
Best fitEligible SBI account holders who want a higher-limit international debit card and can use SBI Rewardz and conditional lounge benefits.
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Product system

Savings account

8 profiles
State Bank of IndiaSavings account

SBI Basic Savings Bank Deposit Account

A no-minimum-balance SBI basic savings account designed for essential banking, with a free Basic RuPay ATM-cum-Debit Card and tightly defined withdrawal rules.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance ruleMinimum balance Nil and no published upper balance limit on the reviewed full-KYC BSBDA product.
Best fitCustomers who need a basic no-minimum-balance SBI account and do not need cheque-book access or frequent monthly withdrawals.
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State Bank of IndiaSavings account

SBI Basic Savings Bank Deposit Small Account

SBI's relaxed-KYC Basic Savings Bank Deposit Small Account: zero minimum balance, a free Basic RuPay ATM-cum-Debit Card and statutory caps on balance, annual credits and monthly withdrawals/transfers.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance ruleMinimum balance NIL; balance must not exceed ₹50,000 at any point while the account remains under Small Account KYC treatment.
Best fitAdults who do not yet have officially valid KYC documents and need a temporary basic banking route while working toward full KYC.
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State Bank of IndiaSavings account

SBI Insta Plus Savings Bank Account

SBI's YONO-only new-to-bank savings account opened through Video KYC without a branch visit, with Aadhaar/PAN requirements, India-presence rules and a RuPay Classic card issued after successful opening.

First-party checked2 bank sourcesReviewed September 10, 2026
Balance ruleThe reviewed Insta Plus page does not publish a separate ongoing AMB figure in its core proposition; current SBI savings-account/service-charge rules should be checked rather than inferring BSBDA treatment.
Best fitNew-to-SBI resident adults who want a full Video-KYC savings-account journey through YONO and can complete the scheduled video step within the bank's deadline.
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State Bank of IndiaSavings account

SBI NRE Savings Bank Account

SBI's rupee-denominated NRE savings relationship for foreign earnings, with full repatriability of principal and interest and digital NRI onboarding through YONO for eligible new-to-bank customers.

First-party checked4 bank sourcesReviewed September 9, 2026
Balance ruleYONO says an NRE/NRO account can be opened with zero balance; the reviewed NRI service-charge PDF separately lists ₹3,000 MAB metro/urban, ₹2,000 semi-urban and ₹1,000 rural for NRE/NRO savings. The engine surfaces this source conflict instead of choosing the easier interpretation.
Best fitEligible NRIs/PIOs/OCIs who want an SBI NRE relationship for foreign earnings and value a large branch/digital network while being willing to confirm the live balance tariff at opening.
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State Bank of IndiaSavings account

SBI NRO Savings Bank Account

SBI's NRO account for India-based current income, with domestic debit-card access and outward remittance subject to the applicable USD 1 million annual framework and documentation.

First-party checked4 bank sourcesReviewed September 9, 2026
Balance ruleYONO says NRE/NRO can be opened with zero balance; SBI's NRI service-charge PDF separately lists ₹3,000 MAB metro/urban, ₹2,000 semi-urban and ₹1,000 rural, and Personal Banking Branches can apply higher total relationship expectations. This disagreement is disclosed rather than normalized.
Best fitNon-residents who receive Indian income and want SBI branch/digital access while accepting NRO tax/repatriation rules and verifying SBI's currently conflicting balance wording.
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State Bank of IndiaSavings account

SBI Pehla Kadam Minor Savings Account

SBI's guardian-operated minor savings proposition for children of any age, with limited internet-banking transactions and a Photo ATM-cum-Debit Card.

First-party checked3 bank sourcesReviewed September 11, 2026
Balance ruleMaximum balance ₹10 lakh in the minor's Savings Account and ₹20 lakh aggregate deposit on the minor CIF under the current Pehla Kadam dispensation.
Best fitParents or guardians who want an SBI minor account before the child is ready or eligible to operate an account independently.
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State Bank of IndiaSavings account

SBI Pehli Udaan Minor Savings Account

SBI's self-operated minor savings proposition for minors above 10 who can sign uniformly, with limited internet banking and a Photo ATM-cum-Debit Card.

First-party checked3 bank sourcesReviewed September 11, 2026
Balance ruleMaximum balance ₹10 lakh in the minor's Savings Account and ₹20 lakh aggregate deposit on the minor CIF under the current Pehli Udaan dispensation.
Best fitChildren above 10 who meet SBI's signature/KYC conditions and are ready for a self-operated savings account with deliberately limited digital transaction rights.
View research
State Bank of IndiaSavings account

SBI Savings Plus Account

An SBI savings account linked to Multi Option Deposit Scheme (MODS), automatically moving qualifying surplus balances into term deposits.

First-party checked1 bank sourceReviewed September 9, 2026
Balance ruleNo monthly average balance requirement; auto-sweep triggers above the reviewed ₹50,000 threshold, with transfer/reverse-sweep rules set by SBI.
Best fitSBI savers who want an automatic sweep structure rather than leaving qualifying surplus entirely in the savings balance.
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Product system

Salary account

1 profile
State Bank of IndiaSalary account

SBI Salary Package Accounts

SBI's salary-account family spans corporate/institutional, central and state government, railways, defence, police and other employer-profile packages.

First-party checked1 bank sourceReviewed September 9, 2026
Balance ruleBalance treatment varies by selected salary package; many package variants publish zero-balance treatment, but the generic family page should not be read as proving every variant's terms.
Best fitSalaried customers whose employer profile qualifies for one of SBI's sector-specific salary packages.
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Product system

Fixed deposit

3 profiles
State Bank of IndiaFixed deposit

SBI Domestic Bulk Term Deposit ₹3 Crore+

SBI's ₹3 crore-and-above domestic bulk deposit with a dated rate table that explicitly shows revised August 2026 rates beside the previous May 2026 schedule.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceRevised public rates effective 15 August 2026 range from 4.25% for 7–14 days to 6.25% for 1 year to under 2 years; eligible senior-citizen bulk rates in the same table range from 4.75% to 6.75%.
Best fitBusinesses, institutions and high-value depositors comparing large SBI term deposits where deposit band and effective date materially change the rate.
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State Bank of IndiaFixed deposit

SBI Retail Domestic Term Deposit

State Bank of India's retail domestic term-deposit range below ₹3 crore, with standard tenure rates plus special-tenure and senior/super-senior treatments published separately by SBI.

First-party checked1 bank sourceReviewed September 9, 2026
Current rate evidenceThe reviewed SBI retail schedule below ₹3 crore is effective from 15 December 2025: standard public rates run from 3.05% to 6.40% p.a.; the 444-day Amrit Vrishti special tenor is listed at 6.45% p.a.
Best fitSBI customers and conservative savers who value a large public-sector bank and want to compare standard tenure rates with SBI's special-tenure deposit offers before booking.
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State Bank of IndiaFixed deposit

SBI Tax Savings Scheme Fixed Deposit

State Bank of India’s Tax Savings Scheme term/special-term deposit with a five-to-ten-year scheme window, ₹1,000 minimum and a ₹1.5 lakh annual qualifying ceiling.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceSBI states that the applicable rate is the prevailing Term Deposit rate for Public/Senior Citizens. The engine leaves the exact five-year numeric anchor refresh-gated because the current first-party rate page did not expose a safely attributable tax-saver five-year row in this review.
Best fitSBI customers who want a public-sector tax-saving deposit and are willing to verify the exact live five-year resident rate at booking rather than relying on an older cached rate.
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Product system

Recurring deposit

1 profile
State Bank of IndiaRecurring deposit

SBI Recurring Deposit

SBI's standard recurring deposit uses regular monthly instalments over 12–120 months and applies the corresponding term-deposit rate for public or senior-citizen customers.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceSBI states that its RD earns the rate applicable to term deposits. The reviewed retail term-deposit schedule below ₹3 crore is effective from 15 December 2025.
Best fitSBI customers seeking a long-tenure disciplined savings plan with a very low ₹100 monthly starting amount and transparent missed-instalment rules.
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Product system

Bank transfer service

1 profile
State Bank of IndiaBank transfer service

SBI Bank Transfers — NEFT, RTGS & IMPS

State Bank of India's retail bank-transfer profile for OnlineSBI, YONO and YONO Lite, separating the shared third-party daily limit from IMPS per-transaction rules, beneficiary cooling and rail-specific system mechanics.

First-party checked6 bank sourcesReviewed September 10, 2026
Balance ruleRequires an SBI account with transaction rights in RINB/YONO/YONO Lite. The payment rail does not change the underlying account's balance, KYC or product restrictions.
Best fitSBI retail customers who want one evidence-backed view of NEFT, RTGS and IMPS limits across OnlineSBI/YONO while keeping the four-day new-beneficiary security state separate from the normal ₹25 lakh third-party ceiling.
View research
Product system

Bank transaction-limit profile

1 profile
State Bank of IndiaBank transaction-limit profile

SBI Banking Transaction Limits

A normalized SBI limit profile spanning OnlineSBI/YONO transfer aggregates, new-beneficiary cooling, ordinary UPI, named debit-card ceilings and ATM cash controls.

First-party checked5 bank sourcesReviewed September 10, 2026
Balance ruleLimits apply only to the exact eligible account, card, customer segment and digital channel named by the source; a bank relationship does not make every listed ceiling available.
Best fitSBI customers who need the exact transaction/channel limit rather than a single misleading bankwide maximum.
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Product system

Business banking service

1 profile
State Bank of IndiaBusiness banking service

SBI Business Banking — YONO Business

State Bank of India's unified YONO Business environment for corporate Internet Banking, cash management, supply-chain finance, eTrade and eForex, with role-based corporate controls and bulk-payment capability.

First-party checked1 bank sourceReviewed September 10, 2026
Balance ruleRequires an eligible SBI business/corporate banking relationship. New-to-digital sole proprietors can use debit-card authentication for digital onboarding; other corporate onboarding and roles depend on the entity and bank setup.
Best fitSBI business and corporate customers that need role-separated digital banking, bulk supplier/vendor payments, cash-management access and trade/forex services under one sign-on.
View research
Product system

Digital banking service

1 profile
State Bank of IndiaDigital banking service

SBI Digital Banking — YONO SBI & OnlineSBI

State Bank of India's combined retail digital-banking profile covering YONO SBI on mobile and OnlineSBI on the web, with separate registration routes, beneficiary controls and service capabilities.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible SBI banking relationship. Digital access does not replace the balance, KYC or operating rules of the underlying account.
Best fitExisting SBI retail customers who want both app and browser access and are willing to keep registered-mobile, device and beneficiary-security controls in mind.
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Product system

International banking service

1 profile
State Bank of IndiaInternational banking service

SBI International Debit Card & Overseas ATM Banking

State Bank of India international debit-card use profile covering activation controls, overseas ATM/POS/e-commerce access, published international transaction charges and card-specific limits without treating one SBI debit-card variant as the bankwide limit.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible SBI account with an international-capable debit-card variant and sufficient available balance; account, card variant, country/acquirer and customer-set controls remain independently applicable.
Best fitSBI customers preparing an international-capable debit card for overseas ATM withdrawals, merchant purchases or supported international e-commerce and wanting the bank's channel controls and current reference-card limits visible before travel.
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Product system

Merchant payment service

1 profile
State Bank of IndiaMerchant payment service

SBI Merchant Payments — SBI Payments & YONO SBI Merchant

SBI-linked merchant acquiring profile centered on SBI Payment Services and YONO SBI Merchant, covering phone/POS acceptance, UPI/Bharat QR, contactless cards, AudioBox, settlement reporting and merchant operations without treating YONO Business access as automatic merchant-acquiring entitlement.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleMerchant settlement uses the relationship configured during SBI Payments onboarding; an SBI current account or YONO Business login alone is not proof that every SBI Payments merchant product is enabled.
Best fitSBI-linked merchants that want QR/UPI, contactless card acceptance and merchant reporting through the SBI Payments stack, with separate POS or AudioBox options where commercially onboarded.
View research
Product system

Forex & prepaid travel card

1 profile
State Bank of IndiaForex & prepaid travel card

SBI State Bank Foreign Travel Card

State Bank of India's reloadable foreign travel card with current Visa single- and multi-currency variants, overseas ATM/POS/e-commerce use, digital card controls and currency-specific prepaid balances kept separate from ordinary SBI debit-card international usage.

First-party checked2 bank sourcesReviewed September 10, 2026
Balance rulePrepaid foreign-currency balance loaded in INR and converted into the selected card wallet(s). Current Visa multicurrency structure supports up to nine currencies; the card is separate from the customer's ordinary deposit-account balance.
Best fitTravellers who want an SBI prepaid travel balance with up to nine Visa currency wallets, branch/Internet-banking issuance support and YONO/OneView card controls rather than spending directly from a domestic bank account.
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Product system

Bill payment service

1 profile
State Bank of IndiaBill payment service

SBI Unipay — Bill Payments & Bharat Connect

SBI's Bharat Connect/BBPS customer implementation through SBI Unipay, available across YONO, YONO Lite, OnlineSBI, YONO Business, the pre-login portal and assisted BC/CSP channels with broad biller coverage and instant confirmation.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleDigital bill payment requires an eligible funding source for the chosen route; SBI Unipay supports multiple payment modes and does not replace the underlying account/card's own available-balance or credit-limit rules.
Best fitSBI customers who want broad multi-channel bill payment with no SBI Unipay digital bill-payment fee and support for account/card/UPI-style funding methods.
View research
Product system

UPI payment service

1 profile
State Bank of IndiaUPI payment service

SBI UPI — YONO SBI & BHIM SBI Pay

State Bank of India UPI profile covering YONO SBI/BHIM SBI Pay limits, Android/iOS cooling rules, UPI Lite and higher-value verified-merchant categories without confusing temporary first-use controls with the steady-state ₹1 lakh UPI limit.

First-party checked6 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible UPI-linked bank account and the registered mobile/device setup required by the chosen SBI/UPI channel. UPI Lite uses value loaded from the linked account rather than replacing the account relationship.
Best fitSBI customers who want the bank’s own UPI channels and need the first-day/device security limits, transaction-count rules and UPI Lite thresholds stated explicitly.
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Product system

ATM & cash service

1 profile
State Bank of IndiaATM & cash service

State Bank of India ATM & Cash Services

SBI's ATM, ADWM/cash-recycler and cash-access profile, separating own-bank and other-bank ATM allowances, account-specific charges, card/UPI cash controls, deposit-machine rules and failed-ATM protection.

First-party checked5 bank sourcesReviewed September 10, 2026
Balance ruleRequires the relevant SBI account and, for card-based ATM/ADWM use, an eligible SBI debit card. ATM access does not change the balance, BSBDA, salary-package or current-account rules of the underlying account.
Best fitSBI customers who want to understand when an ATM/ADWM transaction is free, how cash-recycler deposits work and which limits belong to the account, debit card or cardless channel.
View research
Product system

Bank fee profile

1 profile
State Bank of IndiaBank fee profile

State Bank of India Banking Fees & Charges

A dated SBI retail-fee profile that separates regular Savings, BSBD/basic, Salary Package and service-specific pricing instead of presenting one bankwide list of 'free' or 'paid' banking.

First-party checked5 bank sourcesReviewed September 10, 2026
Balance ruleFee treatment depends on the exact account class. Ordinary Savings, Salary Package, BSBD/FI/KCC and other schemes can have different waivers or transaction allowances even when they use the same SBI channels.
Best fitSBI customers comparing the practical cost of a Savings, Salary or Basic account and wanting to distinguish current charges from announced future changes.
View research
Credit-card system

9 published card profiles linked to this institution.

Card research remains issuer-specific. This institution page provides direct entry points without flattening fees, rewards, lounge access or forex treatment.

0No-standard-fee
3Premium
2Travel / airline
0Low-forex tagged
Credit-card research

CASHBACK SBI Card

₹999 + taxes

Reviewed September 11, 2026
Credit-card research

SimplyCLICK SBI Card

₹499 + taxes

Reviewed September 11, 2026
Credit-card research

SimplySAVE SBI Card

₹499 + applicable taxes from the second year under the current SBI Card MITC.

Reviewed September 11, 2026
Credit-card research

SBI Card PRIME

₹2,999 + taxes

Reviewed September 11, 2026
Credit-card research

SBI Card ELITE

₹4,999 + taxes

Reviewed September 11, 2026
Credit-card research

SBI Card PULSE

₹1,499 + taxes

Reviewed September 11, 2026
Rewards Credit Cards7Online Shopping Credit Cards3Premium Credit Cards3Airport Lounge Credit Cards3Cashback Credit Cards2Beginner & Entry-Level Cards2
Open the full State Bank of India issuer dossier →
Verified relationship graph

Only institution-documented product relationships appear here.

Same-bank placement never creates an inferred relationship. Every edge keeps its own wording, review date and first-party evidence.

Explore the full verified relationship graph →
Maintained product comparisons

Side-by-side research only where a substantive pair is maintained.

Costs, relationship requirements, benefits, limits, eligibility and source state remain separate for each product.

Browse the complete banking comparison library →
Research activity

Recent review and material-change chronology.

Recent activity describes maintenance work. It is not a product-quality signal.

Credit card

CASHBACK SBI Card

Underlying product review: September 11, 2026.

Credit card

Flipkart SBI Card

Underlying product review: September 11, 2026.

Credit card

SBI Card ELITE

Underlying product review: September 11, 2026.

Credit card

SBI Card PRIME

Underlying product review: September 11, 2026.

Institution-level research

Compare banking ecosystems without manufacturing a universal winner.

Bank-vs-bank routes summarize existing research and link back to exact product-level evidence.

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Official evidence & accountability

Research here. Transact from the institution's current live terms.

Each published product keeps its own review date and first-party sources. Institution-level evidence never replaces product-level terms.

Official institution

State Bank of India

sbi.bank.in

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Institution source reviewed

September 9, 2026

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Research standards

Methodology

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Research accountability

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