| Eligible cards / accounts | Eligible Federal Bank account and international-capable debit card; scheme/card tier controls fee waivers and product maxima. | Eligible YES BANK savings/current/NRI account with an international-capable debit card. Product/programme determines fees, forex markup and maximum limits. |
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| International activation | Federal Bank says customers can enable/disable Online, Contactless and International debit-card usage through FedMobile Card Management, IVR, Federal Bank ATM or branch. | YES BANK states new debit cards are initially enabled for domestic ATM/merchant use; international usage and limits can be activated via IRIS, NetBanking/YES Online or customer care. Card-level limits are manageable through digital channels up to product limits. |
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| Channels | International debit usage can cover ATM, POS/e-commerce and contactless according to card/network support, with online/contactless/international states customer-controlled through supported channels. | Supported international channels include ATM, POS and e-commerce; the bank's security guidance treats domestic e-commerce/contactless and international ATM/POS/e-commerce/contactless as separately controlled states on new cards. |
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| Overseas ATM | Service charges effective 1 June 2025 publish ₹125 for an international ATM financial transaction and ₹25 for non-financial. Celesta cards for qualifying Celesta scheme holders are explicitly exempted from the bank's international ATM transaction charge; acquirer fees may still be extra. | Current retail examples such as YES EXPLORE, ENGAGE, APEX and Premia publish ₹175 cash withdrawal and ₹20 balance enquiry; certain other schedules/products publish different fees, including ₹150 business examples and older/NRI variants. Exact card/account schedule controls. |
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| POS / e-commerce | Eligible debit cards support international merchant/online use after applicable controls are enabled, subject to card limit, available balance, merchant/network acceptance and scheme terms. | International retail and online usage is available after enablement, subject to the exact card's limits and network/merchant support. Premium variants may pair this with zero cross-currency markup. |
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| Forex markup | Federal Bank's current schedule publishes 3.5% international transaction markup for both Visa/Mastercard debit cards and RuPay debit cards, before any product/scheme-specific concession or waiver that may be separately published. | Variant-specific: current YES EXPLORE/ENGAGE publish 3%; current APEX, Premia and Aura publish 0%, as do several selected premium/business variants. No bankwide single percentage is inferred. |
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| DCC | Current Federal schedule publishes Dynamic Currency Conversion Fee at 1% of the DCC transaction amount plus GST. It is stored separately from the 3.5% foreign-currency markup. | A current YES BANK Freedom Flexi business-account schedule effective 1 January 2026 explicitly publishes 1% + GST DCC for debit-card INR transactions at international locations or overseas-registered merchants. Because not every reviewed retail card page exposes DCC, the engine keeps this as schedule-scoped evidence rather than asserting it universally. |
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| Limits / controls | Card product maxima and customer settings govern usable ATM/purchase amounts. International channel enablement is independent from the linked account's balance and applicable regulatory limit. | Customers can manage card usage and limits through supported channels, bounded by the debit-card product limit. International card maxima remain variant-specific. |
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| Declines / holds | Transactions can fail for disabled card channels, insufficient balance, configured/product limits, merchant/network restrictions or regulatory controls; the current service schedule also publishes decline charges for insufficient funds in relevant contexts. | Disabled international/channel controls, insufficient funds, configured/product limits, overseas merchant/network restrictions or regulatory controls can cause declines. YES BANK also publishes insufficient-funds ATM decline fees on individual card pages. |
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| Support / recovery | International controls are available through FedMobile/IVR/ATM/branch; lost or suspicious cards can be disabled through the bank's current card-management/support process. | International usage can be controlled digitally; YES BANK publishes domestic and overseas/NRI customer support plus card blocking and grievance routes for unresolved issues. |
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