How to Get SBI Virtual Debit Card & Earn 0.50% Cashback on Credit Card Bills
Generate your Lifetime Free SBI Virtual Debit Card via YONO in 2 minutes. Earn 0.25% to 0.50% guaranteed cashback on credit card bill payments via SBI Unipay with zero annual maintenance fees.
How to Get Your Free SBI Virtual Debit Card Instantly
No physical paperwork, branch visits, or courier delays. Generate your card directly inside the YONO SBI app or Net Banking in under 2 minutes:
Log in with your MPIN or Internet Banking credentials.
Go to Service Request > ATM / Debit Card Services and enter your profile password.
Tap Generate Virtual Debit Card and choose RuPay, Visa, or Mastercard.
Verify the OTP. Your 16-digit card number, CVV, and expiry date will display instantly on screen.
Full Benefits & Cashback Breakdown
All rewards are credited as SBI Reward Points (1 Reward Point = ₹0.25). Here is how much real cashback you collect:
Earn ₹0.50 cash value per ₹200 spent on bill settlements, shopping, and online checkouts.
Automatic double points if you execute your credit card payment on your birthday.
Make 3 payments of ₹2,000+ within 60 days (50 + 100 + 150 pts = 1.25% yield).
Unlock an extra 1,000 pts upon spending ₹1 Lakh+ in a calendar month. (Wallet loads excluded).
Year-Round 0.50% via Loyalty Tiers
The more you pay, the higher your tier gets—unlocking elevated reward multipliers for 4 to 5 months at a stretch:
How to Pay Credit Card Bills on SBI Unipay
Follow this exact portal walkthrough to guarantee debit card cashback credit:
Rules, Caps & Redemption Outlets
- Monthly Limit: Max 10,000 points (~₹2,500).
- Per Transaction: Max 4,000 points (~₹1,000).
- Lock Period: Unlocks after 30 days.
- Validity: 24 months (2 full years).
- Brand E-Gift Cards: Amazon, Flipkart, etc.
- Utilities: Mobile recharge, DTH, electricity, gas.
- Travel: Flight tickets, bus bookings, hotels.
- Partners: BookMyShow, Apollo 24x7, Kalyan Jewellers.
