| Eligible cards / accounts | Eligible HDFC Bank account plus an international-capable HDFC debit card. The current control/limit table marks RuPay PMJDY and NRO debit cards as domestic-only, so international capability is variant-specific. | 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. |
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| International activation | Online, contactless and international debit-card functionality can be disabled by default/inactivity. HDFC allows re-enabling and limit changes through NetBanking and other supported card-control channels including MobileBanking/MyCards/IVR routes described in current bank material. | 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. |
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| Channels | Card controls separate international ATM, POS, online/e-commerce and contactless usage, with daily domestic and international usage/limit settings. | 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. |
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| Overseas ATM | Reviewed key-fact sheet lists, for the stated non-managed segment, ₹25 + taxes per international ATM balance enquiry and ₹125 + taxes per international ATM cash withdrawal plus the applicable cross-currency markup. | 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. |
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| POS / e-commerce | Eligible international debit cards can be enabled for overseas POS and online use. Current maximum daily shopping limits are card-variant specific and are expressed as combined domestic + international ceilings. | 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. |
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| Forex markup | 3.5% + taxes on foreign-currency debit-card transactions in the reviewed key-fact sheet; Infiniti receives a preferential 0.99% cross-currency markup. Network wholesale exchange rate at transaction/merchant settlement is the stated conversion basis. | 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. |
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| DCC | With effect from February 2025, HDFC's debit-card key-fact sheet states a 1% + taxes DCC markup on transactions carried out in INR at an international location or at an India-located merchant registered overseas. DCC and FCY are classified by the network. | 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. |
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| Limits / controls | Current post-31-August-2026 variant maxima include Infiniti ₹2 lakh ATM/₹10 lakh shopping, Platinum ₹1 lakh/₹5 lakh, Regular/Classic ₹25,000/₹2.5 lakh and Millennia ₹50,000/₹3.5 lakh daily, with customers able to hold lower self-set limits. | 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. |
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| Declines / holds | A transaction can fail because international/channel use is off, the customer-set/variant limit is exceeded, the card is domestic-only or the overseas acquirer imposes a lower limit. The engine does not infer universal hotel, fuel or car-rental pre-authorisation hold treatment. | 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. |
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| Support / recovery | HDFC publishes card-control and customer-care recovery routes and an overseas travel-assistance number; lost-card/blocking and disputed-transaction handling remain governed by current debit-card support terms. | 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. |
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