| Eligible cards / accounts | Eligible Axis savings/current account with an internationally valid debit card. NRI international debit use is separately tied by the reviewed terms to dues being met from an eligible NRE/NRO account; overdraft-linked international debit use is not generalized. | Eligible Bank of Baroda account plus a debit-card variant carrying international functionality; international/contactless usage can only be enabled when the actual variant supports it. |
|---|
| International activation | Card-not-present domestic/international and card-present international transactions can be enabled/disabled through Mobile App, Internet Banking, Call Centre or branch; current account application material also points to Internet Banking/Mobile App/Call Centre for international activation/deactivation. | At issue/reissue/renewal, cards are initially enabled for contact-based domestic ATM/POS. International/Online/Contactless use can be switched on through bob World App, bob World Internet, Bank of Baroda ATM or IVR; Green PIN/first-use activation requirements also apply. |
|---|
| Channels | Controls cover card-not-present domestic/international and card-present international usage, with cumulative Online/POS/Contactless limits where specified by the bank's debit-card setup. | bob World and bob World Internet expose card management for International usage, Online usage and daily ATM/POS/e-commerce limits; ATM/IVR provide additional channel-management routes. |
|---|
| Overseas ATM | Current fee schedule: ₹125 per international ATM cash withdrawal and ₹25 per international balance enquiry, plus the applicable 3.5% + GST cross-currency markup on international cash withdrawal. A foreign ATM operator can impose an additional fee. | Current service-charge page publishes ₹250 per international ATM cash withdrawal for Classic and ₹450 for Platinum, plus ₹30 balance enquiry. Other variant/operator/network costs are not inferred from those two rows. |
|---|
| POS / e-commerce | Eligible international debit cards work across supported Visa/Mastercard/RuPay ATM/POS networks and enabled card-not-present channels. International purchase transactions carry the current cross-currency treatment when processed in foreign currency. | International POS/e-commerce is available only on eligible international variants after the relevant controls are enabled. Current product pages publish card-specific ATM and POS/e-commerce maxima. |
|---|
| Forex markup | 3.5% + GST cross-currency markup for all international cash-withdrawal and purchase transactions in the reviewed debit-card fee schedule. | No single current bankwide debit-card foreign-currency POS/e-commerce markup was confirmed in the reviewed Bank of Baroda debit-card/service-charge sources. The engine therefore leaves the amount unfilled rather than borrowing a credit/forex-card rate. |
|---|
| DCC | 1% of transaction amount + GST when DCC converts an international POS/ATM transaction to the cardholder's home currency; Burgundy Private Debit Card is exempt from this bank DCC fee under the reviewed schedule. | No standalone current Bank of Baroda debit-card DCC surcharge was confirmed in the reviewed first-party debit-card sources. Merchant/network DCC should not be represented as a bank fee without specific evidence. |
|---|
| Limits / controls | Default and customer-modified limits are card/account-specific. Online, POS and Contactless can operate as a cumulative limit rather than three independent ceilings under the reviewed Axis debit-card control wording. | Daily ATM and POS/e-commerce limits are configurable within the card's variant ceiling. Current VISA Sapphire reference limits are ₹3 lakh ATM/day and ₹5 lakh POS/e-commerce/day; other variants differ. |
|---|
| Declines / holds | Declines can result from channel state, customer/card limit, balance, foreign-acquirer restrictions or regulatory/LRS control. Foreign ATM-owner fees are outside Axis's ₹125 fee and no universal merchant pre-authorisation hold rule is inferred. | International transactions can fail when the card variant is domestic-only, international/online channel is off, customer/variant limits are exceeded, funds are insufficient or foreign network/acquirer rules intervene. |
|---|
| Support / recovery | Axis Mobile/Internet Banking/Call Centre/branch provide control routes; loss, compromise or disputed overseas transactions follow the bank's debit-card blocking and dispute channels. | Bank of Baroda publishes bob World, Internet, ATM, IVR and branch routes for card management and blocking; disputed overseas transactions continue through the bank's debit-card complaint/dispute process. |
|---|