4 Ways to Activate SBI debit card for online Transactions

Debit card activation for online transactions

If you have an account with State Bank, then you must have a debit card. Generally, to withdraw cash for the first time, we need to create an ATM PIN. But, if we want to use the debit card for online transactions, we need to activate the debit card.

So, if you don’t know how to activate it, rest assured, that we have shared a step-by-step guide on how you can activate it for online shopping, bill payment, or any transaction.

But, by default, it may be in deactivate mode, but, you can activate it online easily. You don’t need to visit the SBI branch for activation. There are several activation methods; use the one you’re more comfortable with.

In this guide, we will mention all the methods to activate your debit card. The bank official will also ask you to activate your SBI Debit Card for online transactions in the following ways. So, have a look at all the methods given below.

Steps to Activate SBI Debit Card for Online Transactions

Before proceeding further, you should keep some important things in mind, which are given below.

  • Must have your registered mobile number
  • You have installed YONO SBI App
  • You have activated SBI Net Banking
  • You have enough balance (talk time)

These are 4 ways you can activate the SBI Debit (ATM) Card for domestic, international, and online transactions.

  • Via SMS
  • Through SBI Net Banking
  • Using YONO SBI
  • Through a Phone Call


If you do not have net banking, this is the easiest way. You can send an SMS through your registered mobile number to activate the SBI Debit Card for e-commerce and online transactions.

  • Open your messaging app, and create a new message.
  • Type ‘SWON ECOM’ ‘in the Last four digits of your debit card.
  • Sent it to 092239 66666. Make sure you have enough balance.

Once the message is successfully delivered, you will receive a reply SMS about the enabled online transaction. Now, you can use your SBI debit card for online or e-commerce transact.


SBI YONO is an app for multi-purpose; here, you can not only activate your SBI debit card but also use many other banking services. To use the Yono SBI, you must have a net banking username, password, and profile password.

Step 1: Open the Yono SBI and log in with your username and password.


Step 2: Tap on the ‘Services Request’ option, the next page will appear here. Select the ‘ATM/Debit Card option.

Step 3: Enter your ‘Profile Password‘ to proceed. Tap on Next. Select the Activate Card option. You will find your account number, balance amount, etc.

Step 4: Here, enter your Debit Card Number and tap on Next. You will receive OTP on your mobile, enter OTP and tap on submit.

In this way, the SBI Debit Card will be activated successfully. You can use it for e-commerce, online transactions, and more.

Internet banking

First of all, visit https://retail.onlinesbi.com and enter your username, password, and one-time password to log in.

Step 1: Click on the ‘e-Services’ option. Here, you will see many options. Select the ‘ATM Card Service‘ option.

Step 2: On the next page, click on the ‘ATM Card Limit/Channel/Usage Change’ option. You will find your account and click on the ‘Continue‘ option.

Step 3: Select the ‘Debit card’ and ‘Services’ type, i.e Change Channel Type on the next page. Click on the ‘Submit’ option.

Step 4: Here, you will find three options, these are ATM Channel, POS Channel, and CNP Channel. Click on the ‘CNP’ Channel for e-Commerce/Online, and make sure, to select the Enable or Disable option. Click on the ‘Submit’ option.

Step 5: You will get OTP on the next page, enter OTP and click on the ‘Submit’ option. In this way, you can use your SBI Debit Card for e-commerce/online transactions.

Phone Call

This is an effective process to activate the SBI Debit Card for online transactions. You have to call customer care, and they will get it activated through the ‘Interactive Voice Response’ IVR.

The toll-free SBI customer care number is 1800-425-3800 or080-26599990. You have to enter your debit card details and follow the phone call instructions.

Enable/Disable Debit Cards for International use

Check all transaction channels like Domestic, International, ATM, Merchant, etc at once. If Debit card access is disabled, enable it.

manage debit card

Tap on the ‘Manage Card’ option. On the next screen, select your Account and your Debit card. Tap on Next.

manage usage

Now, you can enable or disable the following services for online transactions. Follow the above steps to complete.

Which is the easiest procedure to activate an SBI debit card for e-commerce use?

SMS is effective, and you can activate your debit card in less time.

Is it compulsory to activate SBI debit for online transactions?

Yes, if it is in disable mode, then, you have to activate your SBI Debit Card.

How do I activate my credit card for online transactions?

If in Disabled mode, you need to enable the function for online transactions only.


To use your State Bank debit card online, you must activate it for online transactions. Otherwise, it will be in disabled mode, you can’t transact for online purchases or others. The SBI YONO app is the easiest way, so install it from Google or the iOS store and activate it

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