Know Your ATM Withdrawal Limits and Charges
ATM withdrawal limits vary from bank to bank and depend on the type of debit card issued. Generally, withdrawal limits range from ₹20,000 to ₹3,00,000 per day based on the card type. Additionally, banks charge fees if withdrawal limits exceed the allowed number of free transactions.
Here’s a detailed breakdown of ATM withdrawal limits and charges for India’s top banks, including SBI, HDFC, ICICI, Axis, PNB, and more.
1. State Bank of India (SBI) ATM Withdrawal Limits & Charges
| SBI Debit Card Type | Daily Withdrawal Limit |
|---|---|
| Classic & Maestro Debit Card | ₹40,000 |
| Global International Debit Card | ₹40,000 |
| sbiINTOUCH Tap & Go Debit Card | ₹40,000 |
| My Card International Debit Card | ₹40,000 |
| Mumbai Metro Combo Card | ₹40,000 |
| Gold International Debit Card | ₹50,000 |
| Platinum International Debit Card | ₹1,00,000 |
💳 Withdrawal Limit: ₹40,000 to ₹1,00,000
🏧 ATM Fees: ₹20 + GST (after free transactions)
🌍 Foreign ATM Charges: ₹100 + GST + 3.5% of transaction value
🆓 Free Withdrawals at SBI ATMs: 5 transactions per month
2. HDFC Bank ATM Withdrawal Limits & Charges
| HDFC Debit Card Type | Daily Withdrawal Limit |
|---|---|
| International, Women's Advantage, NRO Debit Card | ₹25,000 |
| International Business, Titanium, Gold Debit Card | ₹50,000 |
| Titanium Royale Debit Card | ₹75,000 |
| Platinum & Imperia Platinum Chip Debit Card | ₹1,00,000 |
| JetPrivilege HDFC World Debit Card | ₹3,00,000 |
💳 Withdrawal Limit: ₹25,000 to ₹3,00,000
🏧 ATM Fees: ₹21 + taxes (after free transactions)
🌍 Foreign ATM Charges: ₹125 + taxes
🆓 Free Withdrawals at HDFC ATMs: 5 transactions per month
3. ICICI Bank ATM Withdrawal Limits & Charges
| ICICI Debit Card Type | Daily Withdrawal Limit |
|---|---|
| Smart Shopper Silver Debit Card | ₹50,000 |
| Expressions Debit Card | ₹1,25,000 |
| Coral Plus Debit Card | ₹1,50,000 |
| Expressions Coral Debit Card | ₹1,50,000 |
| Platinum/Titanium Debit Card | ₹1,00,000 |
| Sapphiro Debit Card | ₹2,50,000 |
💳 Withdrawal Limit: ₹50,000 to ₹2,50,000
🏧 ATM Fees: ₹20 (per financial transaction after free limit)
🌍 Foreign ATM Charges: ₹150 + conversion charges
🆓 Free Withdrawals at ICICI ATMs: 5 transactions per month
4. Axis Bank ATM Withdrawal Limits & Charges
| Axis Debit Card Type | Daily Withdrawal Limit |
|---|---|
| RuPay Platinum, Power Salute Debit Cards | ₹40,000 |
| Liberty, Rewards Plus, Secure Plus, Online Rewards, Titanium Prime, Titanium Rewards Debit Cards | ₹50,000 |
| Delight, Value Plus, Priority, Sampann, Prestige Debit Cards | ₹1,00,000 |
| Burgundy Debit Card | ₹3,00,000 |
💳 Withdrawal Limit: ₹40,000 to ₹3,00,000
🏧 ATM Fees: ₹21 per transaction (after free limit)
🌍 Foreign ATM Charges: ₹125
🆓 Free Withdrawals at Axis ATMs: 5 transactions per month
5. Punjab National Bank (PNB) ATM Withdrawal Limits & Charges
💳 Withdrawal Limit: Up to ₹50,000
🏧 ATM Fees: ₹20 per transaction
🌍 Foreign ATM Charges: ₹150
🆓 Free Withdrawals at PNB ATMs: 5 transactions per month
6. Bank of India (BOI) ATM Withdrawal Limits & Charges
💳 Withdrawal Limit: Up to ₹50,000
🏧 ATM Fees: ₹21 per transaction
🌍 Foreign ATM Charges: ₹125 + 2% currency conversion charges
🆓 Free Withdrawals at BOI ATMs: Up to 10 transactions per month
Final Thoughts
✅ Free ATM transactions are limited to 5 per month (for most banks).
✅ Charges apply for extra withdrawals beyond the free limit.
✅ Foreign ATM withdrawals have higher fees, including conversion charges.
💡 Tip: Always check with your bank for the latest updates on ATM withdrawal limits and charges before making large transactions! 🚀
