Did you know your Post Office Savings Account comes with a powerful Rupay Debit Card? Yes, it works just like any bank ATM card. You can withdraw cash from HDFC, SBI, ICICI, or any other bank's ATM across India. Here is your complete guide to getting one in 2026.

Eligibility Criteria

  • You must have a valid Post Office Savings Account (SB).
  • Minimum balance required involves keeping just ₹500.
  • Joint Accounts (Type A) can technically get cards (issued to one holder), but Single Accounts are preferred for ease.

How to Apply (Offline Process)

As of 2026, the application process is strictly Offline (at the branch). There is no "Online Apply" button yet.

  1. Visit your Home Branch (where you opened the account).
  2. Ask for the ATM Card Request Form (Form SB-ATM1).
  3. Fill in your Account Number, CIF ID, and Mobile Number.
  4. Attach a self-attested copy of your Aadhaar/PAN.
  5. Submit it to the counter.

Your card is usually dispatched via Speed Post to your registered address within 15-20 days.

Post Office ATM Card Charges (2026)

Is it expensive? Not at all. It's cheaper than most private banks.

Charge Type Fee (Approx)
Issuance Fee Free (First time)
Annual Maintenance Fee ₹125 + GST
Replacement Card ₹300 + GST
SMS Alerts ₹12 per year

Daily Withdrawal Limits

🏧 Daily Cash Limit: ₹25,000

You can withdraw up to ₹25,000 per day. The limit per transaction is ₹10,000.

Free Transactions Rule

  • At Post Office ATMs: Unlimited/5 Free (varies by circle).
  • At Other Bank ATMs (Metro): 3 Free Transactions/month.
  • At Other Bank ATMs (Non-Metro): 5 Free Transactions/month.

How to Generate PIN? (Green PIN)

Once you receive the card, do not wait for a paper PIN. Go to any Post Office ATM that supports "Green PIN" or use Department of Posts (DOP) ATM:

  1. Insert Card > Select "Generate PIN".
  2. Enter Account Number & Mobile Number.
  3. Receive OTP on mobile.
  4. Set your new 4-digit PIN instantly.

Conclusion

The Post Office ATM Card gives you the freedom to access your savings anytime, anywhere. With a low annual fee of ₹125, it is a must-have for every account holder in 2026.