Hey travel fam! 
We’ve seen several queries regarding the transaction limits for the SBM Bank India Debit Card. Whether you are planning an international trip or using your card for high-value domestic purchases, knowing your limits is key to a smooth banking experience.
Here is a comprehensive breakdown of the current limits and how to manage them.
Daily Transaction Limits
The SBM Bank India Debit Card (VISA Signature) offers high flexibility for your spending needs. As of 2026, the standard daily limits are:
| Transaction Type | Daily Limit | Monthly/Annual Cap |
|---|---|---|
| Online (E-commerce) | ₹7.5 Lakh | No monthly cap |
| Card Swipe (POS) | ₹7.5 Lakh | No monthly cap |
| ATM Withdrawal | ₹1 Lakh | ₹3 Lakh/Month (₹5 Lakh/Year) |
| Tap & Pay | ₹5,000 | Per transaction |
Note: The maximum cumulative transaction limit for the card is ₹10 Lakh, subject to the specific channel limits mentioned above.
International Usage & Forex Benefits
Your Niyo SBM Debit Card is built for global travel. It features Zero Forex Markup, meaning you pay the live VISA exchange rate without any additional bank margins.
Before You Travel Abroad:
- Complete KYC: Ensure your Video KYC (VKYC) or Biometric KYC is fully processed.
- Confirmation: Check for the bank’s confirmation email stating your card is active for international use.
- Enable Channels: International transactions are often disabled by default for security. You must manually enable them in the Niyo app:
- Go to ‘Cards’ ➔ ‘Card Settings’.
- Select ‘Card Locks’.
- Toggle on International Channels for Online, POS, and ATM.
Important: TCS & LRS Guidelines
Since international spends fall under the Liberalized Remittance Scheme (LRS), Tax Collected at Source (TCS) may apply:
- Up to ₹10 Lakh per FY: 0% TCS (No tax collected).
- Above ₹10 Lakh per FY: 20% TCS applies (except for specific medical/education purposes).
Pro-Tip: If you plan to spend significantly more than ₹10 Lakh, consider using the Niyo SBM Credit Card, which is currently TCS-exempt regardless of the amount.
Quick Tips for a Smooth Experience
- Avoid DCC: When swiping at an international POS or withdrawing from an ATM, the machine might ask if you want to pay in INR or Local Currency. Always choose Local Currency to avoid “Dynamic Currency Conversion” fees.
- App Control: You can customise your daily limits (within the bank’s maximum) directly via the Niyo App to suit your safety preferences.
Have questions about a specific transaction or need help setting up your card? Drop a comment below or reach out to our 24/7 in-app support!
Safe travels and happy spending! 
