5 Ultimate Tips to Profit From Your SBI Debit Card

With cashless payments on the rise, people have started finding the use of bank cards easier and hassle-free. Debit cards have proved to be a boon, and in most cases, the best alternative to cash.

Many banks provide you with different debit cards, with different kinds of offers. They might not make you dwell in debts like credit cards. However, debit cards need to be used with care. If you don’t, be ready to run in troubled waters.

One such bank providing debit cards with huge offers is the State Bank of India. These debit cards are prevalent. A lot of people use them, and yet, many people do not know how to use them efficiently!

So here is a list of tips that you should follow, so that you can use SBI Debit Cards and gain profits.

1. EMI on SBI Debit Cards

For those of you who do not know what EMI on SBI Debit Cards is, read on! EMI stands for Equated Monthly Installments. You can order for any item online even when you do not have enough money to buy it, and yet get the item!

How do you ask? EMI on SBI Debit Cards is the answer. Every month, a specific amount of money gets deducted owing to the thing that you buy at some interest rate. Unless you have paid for the entire price of the item, this procedure continues.

The most significant advantage of this feature is that you do not need to wait to have enough money to buy something expensive. You can buy now and pay later!

Where a lot of people falter is not knowing how to use this feature. You need to know your financial capabilities. Your card must have enough money to pay for it monthly.

And, if you do not want to hurt your own pockets, the item you wish to use this feature for should really be a necessity.

2. Use Auto Bill Pay to Your Own Benefits

Keeping specific bills that you know you have to pay on SBI Auto Bill Pay feature will reduce a lot of your stresses. It helps you to understand how much money you still have in your account after you have finished with paying for essentials.

That way, you can plan what to spend on and how much to save. And it will surely benefit you in more ways than one.

Again, this feature will be useful only when you know your financial capacities. When you exactly know the amount of your paycheck is when you should go for this.

For those of you who have a number of part-time jobs holding your life together, it is only wise to put a minimal amount of extremely essential bills on your Auto Bill Pay.

3. Be Abreast with Rewards Facility

When you pay for anything using your SBI debit car for over Rs.200, you earn some reward. Keep track of those rewards. They can be converted into some amount of money. You can buy anything with the converted money!

However, when you want to avail benefits like that, you need to know a lot about the rewards and facilities. Also, know that they are given by SBI and how to convert many points can correspond to money.

4. Knowing which SBI Debit Card Suits you Best

Did you know that there are different kinds of SBI debit cards available? And every debit card has a specific feature that makes each of them all the more exclusive.

Different kinds of SBI debit cards have different features that might affect your financial conditions differently. Transaction limits, life insurance coverage, protection against theft are different for different cards. You simply need to know which one is the key to your financial needs.

5. Keep your Contact Number and Email Addresses Updated with the Bank

There is a lot of information on offers and rewards that will be conveyed to you by the bank itself. You need to keep the bank updated on your contact number and email address.

A lot of people simply switch their contact details and then not care enough to inform the bank about it. They are bound to miss out on several offers and rewards.

It will take less than half an hour, to just go to the bank and get your new phone number and email address updated. And that’s all, the bank authorities will take note of the change and update the needful in the database.


SBI Debit Cards are currently one of the most common ways for payments. It is making purchases for everything easier around the globe. It will be beneficial to people if they understand how to use the cards to their own profits.

As users of debit cards, they must also know how to care for the security in their payments.