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COMPLIMENTARY INSURANCE COVERS AVAILABLE ON ELIGIBLE SBI DEBIT CARDS VARIANTS (Cover Period 08.08.2026 TO 07.08.2027)
Personal Accidental Insurance (Death) Non-Air: This insurance covers the Debit Cardholder for non-air accidental death only, to the extent as applicable on the type of Debit Card held (detailed below). This Insurance Cover shall become operational when the Card is used at least once for a financial transaction on any channel, viz ATM/PoS/eCom during the last 90 days from the date of accident.
Personal Air Accidental Insurance (Death):This insurance covers the Debit Cardholder for air accidental death only, to the extent as applicable on the type of Debit Card held (detailed below). This Insurance Cover shall become operational when the Card is used at least once for a financial transaction on any channel, viz ATM/PoS/eCom during the last 90 days from the date of accident, subject to a condition that the air ticket for that air travel should have been purchased by using the Debit Card.
* Available to Debit Cards/ SBI Forex Cards (as applicable) used at least once for a financial transaction on any channel, viz ATM/ PoS/ eCom during the last 90 days from the date of accident.
# Available to Debit Cards/ SBI Forex Cards (as applicable) used at least once for a financial transaction on any channel, viz ATM/ PoS/ eCom during the last 90 days from the date of accident, subject to the air ticket for that air travel having been purchased using the Debit Card/ SBI Forex Cards.
The details of the Personal Accident Insurance (Air & Non-Air) are as follows:
| Debit Card Variants | Personal Accident Insurance Cover | Purchase Protection Cover | Add on Cover | ||
| Non-Air (Death Only)* | Air (Death only) # | Purchase Protection@ | Family Transportation & Transpo-rtation of Mortal Remains @@ | Checked in Baggage Loss ## | |
| VISA / Mastercard Global / Classic / Virtual | Not Applicable | ||||
| SBI Gold (MasterCard/ Visa) | ₹2,00,000 | ₹4,00,000 | ₹ 5,000 | ₹50,000 | ₹25,000 |
| SBI Platinum (MasterCard/ Visa) | ₹5,00,000 | ₹10,00,000 | ₹50,000 | ||
| SBI Pride (Business Debit) (MasterCard/ Visa) | ₹2,00,000 | ₹4,00,000 | ₹5,000 | ||
| SBI Premium (Business Debit) (MasterCard/ Visa) | ₹5,00,000 | ₹10,00,000 | ₹50,000 | ||
| SBI VISA Signature, Infinite/ MasterCard World Debit Card | ₹50,00,000 | ₹1,00,00,000 | ₹1,00,000 | ||
| SBI Forex Cards/ State Bank Foreign Travel Cards (Visa) (all variants) | ₹15,00,000 | ₹50,00,000 | ₹50,000 | ||
*Available to Debit Cards used at least once for a financial transaction on any channel, viz ATM/PoS/eCom during the last 90 days from the date of accident.
# Available to Debit Cards used at least once for a financial transaction on any channel, viz ATM/PoS/eCom during the last 90 days from the date of accident, subject to a condition of the air ticket for that air travel being purchased using the Debit Card.
Purchase Protection: This policy covers loss of goods/articles purchased (excluding perishables, jewellery, precious stones) due to theft/burglary/house breaking, including theft from vehicle, within 90 days of purchase of such goods. The goods must have been purchased by using the eligible Debit Card variants at Point of Sale/Merchant establishments.
Purchase Protection Cover for Salary Package Accountholders: Purchase Protection Cover available to Cards issued to Salary Package Account Holders (all MasterCard/VISA variants)
|
Debit Card Variant
|
Purchase Protection Cover (In Rs.)
|
|---|---|
|
Cards issued to Salary Package Account holders (all MasterCard/VISA variants) |
2,00,000/- |
The above cover will be available to only one Card per account, in case of multiple cards issued to a single account.
@@ Family Transportation & Transportation of Mortal Remains:
If the Personal Accident Insurance claim is accepted as a valid claim, then the expenses incurred in transporting 2 immediate family members to the hospital, and the expenses incurred in transporting the mortal remains of the insured person from hospital to the residence, will be reimbursed, as an additional benefit.
### Checked-In Baggage Loss Cover:
Checked-in Baggage Loss Cover for lost baggage during air travel (Domestic & International) in addition to the Cover available from the airline company, subject to a condition of the air ticket being purchased using the Debit Card
| VISA / MasterCard / Forex Cards: 08.08.2026 to 07.08.2027 |
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| RuPay Debit Cards: April 2026 to March 2027 |
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Personal Accident Insurance cover is being offered by National Payments Corporation of India (NPCI) to SBI RuPay Debit Cardholders as below:
| RuPay Debit Card Category | Personal Accident Insurance Cover | Eligibility |
|---|---|---|
| RuPay Platinum Debit Card (insurance cover varies with card variant) | ₹2,00,000 to ₹10,00,000 | Minimum one successful RuPay Card induced domestic / international financial transaction at any POS (contactless / contact) or e-commerce,on-us or off –us, (which also includes any RuPay Credit card linked UPI transaction) within 30 days prior to date of accident including accident date of RuPay Cardholders. ATM Transactions are not considered eligible transactions to meet the eligibility criteri |
| RuPay Select Debit Card | ₹10,00,000 | |
| RuPay PMJDY Card – PMJDY account opened up to 28.08.2018 | ₹1,00,000 | Minimum one successful financial or non financial transaction through any channel (ATM, Micro ATM, POS, e- Commerce, or Business Correspondent), Intra Bank or Inter Bank, within 90 days prior to the date of the accident including the accident date. Rupay PMJDY debit cards starting with 817406 are eligible for accidental insurance coverage. |
| RuPay PMJDY Card – PMJDY account opened on/after 29.08.2018 | ₹2,00,000 |
The details of the current policy (FY 2026-27) offered by NPCI, including the eligibility criteria and the claim process, are attached as (Rupay Platinum and Select Cards) and (Rupay PMJDY Card) to the Circular. Please note that the. The latest and detailed information about the above policies on RuPay Debit Cards including the eligibility and claim process, may be accessed from www.npci.org.in., before processing any such claim.
| VISA / MasterCard Debit Cards: 08.08.2025 to 07.08.2026 |
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| RuPay Debit Cards: April 2025 to March 2026 |
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Last Updated On : Wednesday, 21-10-2026
ब्याज दर
2.70% प्रति वर्ष.
से प्रभावी>3.00% प्रति वर्ष.
10 करोड़ रुपए व अधिक, 15.10.2022 से प्रभावी
6.90%
2 वर्ष से 3 वर्ष से कम तक
7.05%*
5 वर्ष से अधिक और 10 वर्ष तक
*शर्तें लागू
6.00%
₹2 लाख तक की ऋण राशि के लिए
8.15%
₹2 लाख से अधिक और ₹6 लाख तक की ऋण राशि के लिए




