Debit Card Cash Withdrawal Limits for Different Banks and Debit Cards

Debit card cash withdrawal limits directly impact how much cash you can access daily, yet many people only notice them when a transaction gets declined. All banks have set debit card cash withdrawal limits based on account type, and security measures. Knowing your bank withdrawal restrictions helps you manage finances efficiently and avoid unexpected issues at ATMs.

In this guide, we’ll dive deep into the debit card cash withdrawal limits offered by major banks worldwide, the factors influencing these limits, and how you can manage your withdrawal limits effectively. We’ll also explore what happens when you need to withdraw more than your limit.

What Is a Debit Card Cash Withdrawal Limit?

In India, the debit card cash withdrawal limit varies by bank and debit card type. For most public sector banks like State Bank of India, Bank of Baroda, and Canara Bank, the typical debit card cash withdrawal limit ranges from INR 20,000 to INR 40,000 per transaction. However, some private banks, such as HDFC Bank and ICICI Bank, allow withdrawals up to INR 50,000 for certain premium debit card holders.

Some debit cards allow higher daily cash withdrawals, while others impose stricter limits to protect against fraud and help the bank manage its liquidity effectively. Several factors influence the debit card cash withdrawal limit, including:

• Bank policy
• Account type
• Debit card type
• Geographical region

Bank Wise Debit Card Cash Withdrawal Limits

In India, debit card cash withdrawal limits vary across different banks and account types. These limits are also influenced by the type of debit card an account holder holds. To help you better understand how these limits work, here’s an overview of the debit card cash withdrawal limits set by some of the prominent banks of India:

Debit Card Cash Withdrawal Limits for State Bank of India (SBI)

State Bank of India (SBI) provides different debit card options to its customers, each with specific cash withdrawal limits. The debit card cash withdrawal limits for SBI are influenced by factors such as the type of account, card, and the ATM network used.

Moreover, SBI has set international debit card withdrawal limits to ensure secure transactions abroad. Below is an overview of the various debit card cash withdrawal limits for the State Bank of India (SBI)

• Classic and Maestro Debit Cards: INR 20,000 per day.
• Global International Debit Cards: INR 40,000 per day.
• Gold International Debit Cards: INR 50,000 per day.
• Platinum International Debit Cards: INR 1,00,000 per day.
• Mumbai Metro Combo Card: INR 40,000 per day.
• My Card International Debit Card: INR 40,000 per day.

Note: Transactions above INR 10,000 require OTP verification.

These limits are applicable for withdrawals made at ATMs. You can also withdraw more if you’re using a bank branch’s counter, but this may come with additional documentation and limits imposed by the branch.

Debit Card Cash Withdrawal Limits for HDFC Bank

HDFC Bank offers its customers the convenience of accessing funds through debit card cash withdrawals. However, HDFC cash withdrawal limits come with certain restrictions to ensure secure and responsible usage. Here is an overview of the various debit card cash withdrawal limits for the HDFC Bank:

• International Debit Cards: INR 25,000 per day.
• Woman’s Advantage Debit Cards: INR 25,000 per day.
• NRO Debit Cards: INR 25,000 per day.
• International Business Debit Cards: INR 50,000 per day.
• Titanium Debit Cards: INR 50,000 per day.
• Gold Debit Cards: INR 50,000 per day.
• Titanium Royale Debit Card: INR 1,00,000 per day.

HDFC allows users to withdraw more based on their account type and if they are long-term customers.

Also Read: Learn about HDFC Millennia Debit Card’s international transaction charges.

ICICI Bank’s Debit Card Cash Withdrawal Limits

ICICI Bank offers its customers seamless access to funds via debit card cash withdrawals. To promote secure transactions, the bank has set specific debit card cash withdrawal limits. Here’s an insight into the cash withdrawal limits applicable to ICICI Bank debit cards.

• Senior Citizen Gold Debit Card: INR 75,000 per day.
• Woman’s Debit Card: INR 1,25,000 per day.
• MasterCard World Debit Card: INR 1,00,000 per day.
• Sapphiro Business Debit Card: INR 1,50,000 per day.
• Expressions Business Debit Card: INR 1,50,000 per day.
• Business Debit Card: INR 1,00,000 per day.
• Titanium Business Debit Card: INR 1,00,000 per day.
• Expressions Coral Business Debit Card: INR 1,50,000 per day.
• Coral Plus Debit Card: INR 1,00,000 per day.
• Platinum Debit Card: INR 1,00,000 per day.
• Smart Shopper Silver Debit Card: INR  50,000 per day.

For ICICI Bank account holders with high-end accounts or premium cards, the bank offers an increased cash withdrawal limit for ICICI Bank to provide greater flexibility.

Debit Card Cash Withdrawal Limits for Union Bank of India

Union Bank of India provides an easy way for its customers to access their funds through debit card withdrawals. To ensure secure usage, the bank imposes certain debit card cash withdrawal limits. Let’s explore the details of these limits for Union Bank of India’s debit cardholders.

• Classic Visa Debit Card: INR 25,000 per day.
• Mastercard Debit Card: INR 25,000 per day.
• RuPay Debit Card: INR 25,000 per day.
• Platinum Visa Debit Card: INR 75,000 per day.
• Mastercard Debit Card: INR 75,000 per day.
• RuPay Debit Card: INR 75,000 per day.
• Business Platinum Visa and Mastercard: INR 1,00,000 per day.
• RuPay Select Debit Card: INR 1,00,000 per day.
• RuPay Select Debit Cards: INR 1,50,000 per day.
• Visa Signature Debit Cards: INR 1,50,000 per day.
• Mastercard Business Debit Cards: INR 1,50,000 per day.

Debit Card Cash Withdrawal Limits for Bank of Baroda

With Bank of Baroda, customers can enjoy hassle-free cash withdrawals through their debit cards. To ensure the safety of your funds, the bank has introduced debit card cash withdrawal limits, which vary depending on the type of account and transaction method. These limits ensure that the account holder’s money is only accessed within a secured framework.

Below is a detailed breakdown of the debit card cash withdrawal limits applicable to Bank of Baroda debit cards.

• World Agniveer Debit Card: INR 50,000 per day 
• RuPay Qsparc NCMC Debit Card: INR 50,000 per day 
• RuPay Platinum DI: INR 50,000 per day.
• MasterCard DI Platinum Debit Card: INR 50,000 per day  
• BPCL Debit Card: INR 50,000 per day
• MasterCard Classic DI Debit Card: INR 25,000 per day.
• RuPay Select DIDebit Card: INR 1,50,000 per day.

Debit Card Cash Withdrawal Limits for Central Bank of India

Central Bank of India is a public sector bank providing a range of services to its customers. This bank offers customers the convenience of withdrawing cash through their debit cards. Here is an overview of the various debit card cash withdrawal limits for the Central Bank of India.

• RuPay Select Wellness Debit Cards: INR 2,00,000
• RuPay Platinum Debit Cards: INR 2,00,000
• RuPay Classic Debit Cards: INR 1,00,000
• RuPay Business Debit Cards: INR 1,00,000

These cash withdrawal limits for Central Bank of India’s debit cards are subject to specific debit card cash withdrawal limits to ensure the safety of the account holders.

Debit Card Cash Withdrawal Limits for IDBI Bank

Industrial Development Bank of India (IDBI), makes it easy for customers to withdraw cash using their debit cards, but with debit card cash withdrawal limits in place to ensure safety. Below, we provide a summary of the debit card cash withdrawal limits for IDBI Bank.

• Visa Kids PayWave Debit Cards: INR 2,000
• RuPay Kids Debit Cards: INR 2,000
• RuPay PMJDY Debit Card: INR 10,000
• RuPay Classic NCMC Debit Cards: INR 10,000
• Visa Classic PayWave Debit Card: INR 25,000
• Mastercard Classic Debit Card: INR 25,000
• RuPay Classic Debit Card: INR 25,000
• Visa Being Me PayWave Debit Card: INR 25,000
• RuPay MUDRA Debit Card: INR 25,000
• RuPay Kisan Debit Card: INR 25,000
• Visa Women’s PayWave Debit Cards: INR 40,000
• RuPay Women’s Debit Cards: INR 40,000
• Visa Gold Debit Cards: INR 75,000
• Mastercard Gold Debit Cards: INR 75,000
• Visa Platinum PayWave Debit Cards: INR 1,00,000
• RuPay Platinum Debit Cards: INR 1,00,000
• RuPay Platinum NCMC Debit Cards: INR 1,00,000
• Visa Signature PayWave Debit Card: INR 3,00,000

Debit Card Cash Withdrawal Limits for IDFC Bank

Infrastructure Development Finance Company (IDFC) Bank provides easy access to funds through debit card withdrawals, but with specific debit card cash withdrawal limits to ensure safe transactions. These limits are designed to maintain security while providing customers with the flexibility to withdraw funds according to their needs, without compromising on safety.

Here’s an overview of the cash withdrawal limits for IDFC Bank debit cards.

• RuPay PMJDY Debit Card: INR 25,000
• RuPay Classic Debit Card: INR 40,000
• RuPay Platinum Debit Card: INR 50,000
• Visa Classic Business Debit Cards: INR 1,00,000
• Visa Platinum Business Debit Cards: INR 1,00,000
• Visa Platinum Debit Cards: INR 2,00,000
• Visa Signature Business Debit Cards: INR 2,00,000
• Visa Signature Debit Card: INR 4,00,000
• FIRST Private Debit Card: INR 10,00,000
• Wealth Debit Card: INR 7,00,000
• Select Debit Card: INR 5,00,000

Also Read: Know all about HDFC International Debit Cards. Learn about the features, benefits, and charges, and how to enable international transactions.

Debit Card Cash Withdrawal Limits for UCO Bank

UCO Bank is a public sector bank offering access to cash withdrawals for its various debit cards, but it has some specific debit card cash withdrawal limits to maintain security while doing transactions. Below is a detailed summary of the cash withdrawal limits for UCO Bank’s debit cards.

• Visa ClassicDebit Card – INR 25,000
• Visa Gold Debit Card – INR 50,000
• Visa Platinum Debit Card – INR 50,000
• Visa Signature Debit Card – INR 50,000
• Visa EMV Debit Card – INR 25,000
• RuPay Classic Debit Card – INR 25,000
• RuPay KCC Debit Card – INR 25,000
• RuPay Platinum Personalised Debit Card – INR 50,000
• RuPay Platinum Non-Personalised Debit Card – INR 50,000
• RuPay International Debit Cards: INR 25,000
• RuPay General Debit Cards: INR 25,000
• Visa General International Debit Cards: INR 25,000
• Visa EMV Classic International Debit Cards: INR 25,000
• RuPay Platinum-Insta International Debit Cards: INR 50,000
• RuPay Platinum International Debit Cards: INR 50,000
• Visa Gold International Debit Cards: INR 50,000
• Visa Platinum International Debit Cards: INR 50,000
• Visa Signature International Debit Cards: INR 50,000

Debit Card Cash Withdrawal Limits for City Union Bank

City Union Bank provides several debit cards with different ATM cash withdrawal limits. Here’s a look at the debit card cash withdrawal limits for City Union Bank.

• City Union Bank ATM Cards: INR 15,000
• RuPay PMJDY Debit Cards: INR 50,000
• RuPay Classic Debit Cards: INR 50,000
• Mastercard Classic Debit Cards: INR 50,000
• Visa Gold Debit Card: INR 50,000
• RuPay Platinum Debit Cards: INR 1,00,000
• Visa Platinum Debit Cards: INR 1,00,000

Debit Card Cash Withdrawal Limits for Karur Vysya Bank (KVB)

Karur Vysya Bank offers a range of ATM withdrawal options and allows customers to access cash through their debit cards, with secure debit card cash withdrawal limits. Here’s a look at the debit card cash withdrawal limits for Karur Vysya Bank (KVB).

• RuPay, Debit Cards: INR 30,000
• Visa Debit Cards: INR 30,000
• Mastercard Debit Cards: INR 30,000
• Prestige Visa Debit Cards: INR 50,000
• Mastercard Debit Cards: INR 50,000
• Pride Mastercard Debit Card: INR 1,00,000
• Visa Business Debit Cards: INR 1,00,000
• Mastercard Business Debit Cards: INR 1,00,000

Axis Bank Debit Card Cash Withdrawal Limits

Understanding the Axis Bank ATM cash withdrawal limits is essential for effective financial management. Axis Bank offers a range of debit cards, each designed to cater to the needs of various customers, from regular savings account holders to premium and business account holders. Below are the debit card cash withdrawal limits for Axis Bank:

• Burgundy Debit Card: INR 3 Lakhs per day
• Wealth Debit Card: INR 2 Lakhs per day
• Priority Debit Card: INR 1 Lakh per day
• Titanium Rewards Debit Card: INR 50,000 per day
• Youth Debit Card: INR 40,000 per day
• Ladies First Debit Card: INR 40,000 per day
• Business Classic Debit Card: INR 40,000 per day
• RuPay Platinum Debit Card: INR 40,000 per day
• Axis Delight Debit Card: INR 1 Lakh per day

Debit Card Cash Withdrawal Limits for Punjab National Bank

Punjab National Bank (PNB) offers customers the flexibility of accessing funds via debit card withdrawals, ensuring easy banking on the go. However, to ensure the security of funds, PNB has set specific debit card cash withdrawal limits. These limits are designed to minimize the risk of unauthorized transactions and allow customers to access their money safely.

Here’s an overview of the withdrawal limits for Punjab National Bank debit cards.

• RuPay NCMC Classic Debit Cards: INR 25,000
• Visa Classic Debit Cards: INR 25,000
• Mastercard Classic Debit Cards: INR 25,000
• RuPay NCMC Platinum Domestic Debit Cards: INR 1,00,000
• RuPay NCMC Platinum International Debit Card: INR 1,00,000
• MasterCard Platinum Debit Card: INR 1,00,000
• RuPay Business Platinum NCMC Debit Card: INR 1,00,000
• RuPay Women Power Platinum Debit Cards: INR 1,00,000
• RuPay Select Debit Cards: INR 1,50,000
• Visa Signature Debit Cards: INR 1,50,000
• Mastercard Business Debit Cards: INR 1,50,000
• VISA Gold Debit Card: INR 1,00,000

Debit Card Cash Withdrawal Limits for Bank of India

Bank of India offers the convenience of withdrawing cash from ATMs with debit cards, but Bank of India cash withdrawal limits are subject to the type of debit card their customers use. Below is an overview of the debit card cash withdrawal limits for Bank of India.

• RuPay NCMC Classic Debit Cards: INR 25,000
• Visa Classic Debit Cards: INR 25,000
• Mastercard Classic Debit Cards: INR 25,000
• RuPay NCMC Platinum Domestic Debit Cards: INR 1,00,000
• RuPay Women Power Platinum Debit Cards: INR 1,00,000
• RuPay Select Debit Cards: INR 1,50,000
• Visa Signature Debit Cards: INR 1,50,000
• Mastercard BusinessDebit Cards: INR 1,50,000

Debit Card Cash Withdrawal Limits for Federal Bank

Federal Bank enables its customers to withdraw cash through debit cards, but these transactions are subject to specific debit card cash withdrawal limits for security and safe usage. Let’s take a look at the details of Federal Bank’s debit card cash withdrawal limits.

• FedFirst Contactless Debit Card: INR 2,500 per day.
• RuPay Crown Debit Card: INR 25,000 per day.
• Mastercard Crown Contactless: INR 25,000 per day.
• RuPay Platinum Contactless Debit Card: INR 50,000 per day.
• Visa Crown Contactless Debit Card: INR 50,000 per day.
• Mastercard Imperio Personal Contactless Debit Card: INR 75,000 per day.
• Celesta Business Contactless Debit Card: INR 1,00,000 per day.
• Visa Celesta Contactless Debit Card: INR 1,00,000 per day.

Debit Card Cash Withdrawal Limits for Kotak Mahindra Bank

Kotak Mahindra Bank provides its customers the ease of withdrawing funds via debit cards, but these withdrawals are governed by debit cards for security reasons too. Additionally, for those seeking to withdraw funds in larger amounts, the Kotak bank cash withdrawal limit from branch may vary. Here’s an overview of the debit card cash withdrawal limits for Kotak Mahindra Bank:

• Kotak Junior Debit Card: INR 5,000 per day.
• RuPay Debit Cards: INR 10,000 per day.
• Classic One Debit Cards: INR 10,000 per day.
• 811 Dream Different Debit Cards: INR 25,000 per day.
• Easy Pay Debit Cards: INR 25,000 per day.
• Silk Platinum Debit Cards: INR 40,000 per day.
• RuPay India Debit Cards: INR 40,000 per day.
• PayShopMore Debit Cards: INR 40,000 per day.
• Jifi Platinum Edge Debit Cards: INR 50,000 per day.
• Business Class Gold Debit Cards: INR 50,000 per day.
• Access India Debit Cards: INR 75,000 per day.
• PVR Debit Cards: INR 75,000 per day.
• Jifi Platinum Ace: INR 75,000 per day.
• Signature Pro Debit Cards: INR 1,00,000 per day.
• Privy League Platinum Debit Cards: INR 1,50,000 per day.
• World Debit Cards: INR 1,50,000 per day.
• Astra Debit Cards: INR 1,50,000 per day.
• Privy League Neon Debit Cards: INR 2,50,000 per day.
• Privy League Black Debit Cards: INR 2,50,000 per day.
• Infinite Debit Cards: INR 2,50,000 per day.

Debit Card Cash Withdrawal Limits for Indian Overseas Bank

Indian Overseas Bank offers its customers the convenience of withdrawing cash through debit cards, but these withdrawals come with specific debit card cash withdrawal limits. These limits are designed to ensure secure transactions, protecting both the bank and its customers from any unauthorized access or fraud.

Here’s an overview of the debit card cash withdrawal limits for Indian Overseas Bank:

• RuPay PMJDY Debit Card: INR 10,000 per day.
• Mastercard Gold Debit Card: INR 20,000 per day.
• RuPay Mudra EMV Debit Card: INR 20,000 per day.
• RuPay Classic NCMC Debit Card: INR 30,000 per day.
• Visa Classic Debit Card: INR 30,000 per day.
• Visa Gold Debit Card: INR 40,000 per day.
• Visa Platinum Debit Card: INR 50,000 per day.
• RuPay Platinum NCMC Debit Card: INR 50,000 per day.
• RuPay Select NCMC Debit Card: INR 50,000 per day.
• Visa Signature Contactless Debit Card: INR 1,00,000 per day.

Debit Card Cash Withdrawal Limits for Karnataka Bank

Karnataka Bank provides its customers with the ability to withdraw cash through debit card transactions, with limits in place to maintain secure usage. The debit card cash withdrawal limits are set to help prevent misuse and to ensure that customers can access their funds safely and conveniently.

Here’s an overview of the debit card cash withdrawal limits for Karnataka Bank:

• Visa Classic Debit Card: INR 25,000
• RuPay Classic Debit Card: INR 25,000
• RuPay PMJDY Debit Card: INR 25,000
• RuPay Kisan Debit Card: INR 25,000
• Visa International Debit Card: INR 60,000
• RuPay International Platinum Debit Card: INR 60,000
• RuPay Select Debit Card: INR 1,00,000
• NCMC Contactless Debit Card: INR 1,00,000

Debit Card Cash Withdrawal Limits for YES Bank

YES Bank allows its customers to withdraw cash easily using debit cards. To promote secure and responsible usage, the bank has implemented debit card cash withdrawal limits. These limits are in place to safeguard customer funds, reducing the potential for fraudulent activity and ensuring the overall safety of transactions.

Here’s an overview of the debit card cash withdrawal limits for YES Bank:

• PMJDY RuPay Chip Debit Card: INR 10,000
• RuPay Platinum Domestic: INR 25,000
• YES Bank Element Debit Card: INR 30,000
• Elegance Debit Card: INR 50,000
• Engage Debit Cards: INR 50,000
• Eclectic Debit Card: INR 1,00,000
• Elevate Debit Card: INR 1,00,000
• Emerge Business Debit Card: INR 1,00,000
• YES Bank Emerge Debit Card: INR 3,00,000

Why Do Banks Set Debit Card Cash Withdrawal Limits?

Banks set debit card cash withdrawal limits primarily for security reasons and to control cash flow. Here are some of the main reasons why debit card cash withdrawal limits exist:

1. Security and Fraud Prevention: Limiting withdrawals reduces the risk of large-scale theft if your card is lost or stolen. It also prevents criminals from draining your account in one go.
2. ATM Cash Flow Management: Banks must ensure that ATMs are well-stocked to meet customer demand. If withdrawal limits weren’t in place, ATMs might run out of cash too quickly, especially in high-traffic areas.
3. Account Protection: For accounts that may be more vulnerable, such as student or savings accounts, lower withdrawal limits help ensure that funds are protected and don’t get easily accessed by others.

What Happens if You Exceed Your Withdrawal Limit?

If you try to withdraw more than your debit card’s cash withdrawal limit, the transaction will typically be declined. However, there are some steps you can take if you anticipate needing more funds:

1. Increase Your Limit: Some banks allow you to temporarily increase your withdrawal limit by contacting them through online banking or customer service.
2. Bank Counter Withdrawal: If you need a large sum, you can visit a bank branch to withdraw over the counter. Banks may charge a fee for this, and you might need to provide identification or justification for the large withdrawal.
3. Split Withdrawals: If your ATM allows it, you can make multiple transactions throughout the day to withdraw a larger sum.
4. Use Multiple ATMs: If you have accounts with multiple banks, you can use each one to make separate withdrawals, adhering to each bank’s limits.

Recent Changes in Debit Card Cash Withdrawal Policies

The Reserve Bank of India (RBI) has introduced new guidelines for debit card cash withdrawals. Let’s see some of them:

• Transaction Fees: Transactions exceeding the withdrawal limit now incur an INR 21 fee. This is aimed at covering the rising operational and interchange costs for banks.
• Free Transactions: Banks are now required to offer at least 5 free ATM transactions per month, including both financial and non-financial transactions, applicable at both their own and other banks’ ATMs.

How to Manage Your Debit Card Cash Withdrawal Limits

Here are some practical tips to help you manage your debit card cash withdrawal limits effectively, giving you better control over your finances:

1. Understand Your Limits: Always be aware of your daily withdrawal limit to avoid inconvenient declines when you need cash.
2. Plan Ahead: If you know you’ll need a large sum of money, plan in advance by withdrawing smaller amounts over multiple days or visiting your bank branch.
3. Use Digital Banking: Consider transferring money digitally instead of withdrawing large amounts of cash. This is often a safer and more convenient option.
4. Monitor Your ATM Withdrawals: Regularly monitor your transactions to ensure you’re within your limit and to protect yourself from any unauthorized activity.

Understanding your debit card cash withdrawal limits is crucial to ensuring you have easy access to your funds when needed. While these limits may vary depending on the bank, account, and card type, they serve as an essential tool to protect both you and the bank from fraud. By staying informed and planning your withdrawals, you can avoid running into issues while also making the most out of your debit card’s features.

Whether you’re in India, the United States, or anywhere else in the world, knowing how your debit card’s cash withdrawal limit works can help you manage your money better.

FAQs on Debit Card Cash Withdrawal Limit

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