Here’s a detailed overview of daily ATM withdrawal limits for major banks in India as of mid‑2025, including free transaction rules and tips to avoid fees:
🏦 ATM Withdrawal Limits by Bank (Per Day)
SBI (State Bank of India)
- Classic/RuPay/Visa Debit Card: ₹40,000 per day
- SBI Gold International Debit Card: ₹50,000 per day
- SBI Platinum International or Business Mastercard: ₹1,00,000 per day
- SBI Global International Debit Card: ₹40,000 per day
HDFC Bank
- International/Woman Advantage/NRO: ₹25,000 per day
- International Business/Titanium/Gold: ₹50,000 per day
- Titanium Royale: ₹75,000 per day
- Platinum or Imperia Platinum: ₹1,00,000 per day
- JetPrivilege HDFC World: ₹3,00,000 per day
ICICI Bank
- Smart Shopper Silver: ₹50,000
- Expressions, Platinum, Titanium: ₹1,00,000
- Sapphiro or higher-tier cards: Up to ₹2,50,000 per day
Axis Bank
- RuPay Platinum / Power Salute: ₹40,000
- Rewards, Titanium, etc.: ₹50,000
- Priority/Prestige/Sampann/Delight: ₹1,00,000
- Burgundy Debit Cards: ₹3,00,000 per day
Canara Bank
- Classic Rupay/Visa/MasterCard: ₹75,000 per day
- Platinum/MasterCard Business: ₹1,00,000 per day
Other Banks at a Glance
- Union Bank: ₹25,000 to ₹1,00,000 depending on card tier
- PNB: ₹25,000 to ₹1,50,000 depending on card type
- Bank of Baroda: ₹25,000 to ₹1,00,000
- Bank of India: ₹15,000 to ₹1,00,000+
- Ujjivan Small Finance: Basic ₹25,000, Premium up to ₹2,50,000 daily limit
📄 Free ATM Transactions & Fees
- RBI guidelines (effective May 2025) allow:
- Own-bank ATMs: Up to 5 free monthly withdrawals
- Other-bank ATMs (off‑us): 3 free in metros, 5 in non-metro cities
- After exceeding the free quota:
- SBI: ₹15 + GST for own‑bank, ₹21 + GST for off‑us
- HDFC/PNB/IndusInd: ₹23 + GST per transaction across banks
🔍 Key Insights & Tips
| ✅ Feature | 🚧 Details |
|---|---|
| Limits vary by card & bank | Higher-tier cards (e.g. Platinum) offer up to ₹3 lakh/day withdrawals |
| New accounts | HDFC requires 6‑month usage before raising limits above ₹50 k/day |
| Charges beyond free limit | ₹21–₹23 per transaction + GST when free quota exhausted |
| Always check your specific card’s terms | Limits may differ based on branch policies or upgrade requests |
