| 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 Canara savings/current account with a global-capable debit-card variant. Current feature matrix says International/Global usage can be activated for supported variants and is not applicable to PMJDY. |
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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. | Global usage is blocked by default and can be enabled through Mobile Banking, Internet Banking or the base branch under the reviewed policy/current product material. |
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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. | Eligible cards support ATM cash withdrawal, POS and e-commerce, with channel enable/disable and limit setting through digital banking or branch according to the current variant feature material. |
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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. | Eligible international debit variants support ATM use subject to card/network/acquirer availability, but the reviewed current debit-card service-charge section does not provide one universal Canara overseas-ATM fixed fee. The engine does not copy prepaid-travel-card ATM prices into debit cards. |
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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. | Eligible Canara debit cards support international POS/e-commerce after global usage activation. Current daily maximums depend on card variant rather than one global bank ceiling. |
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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 one universal ordinary-debit-card foreign-currency percentage was confirmed in the reviewed debit-card fee section. A note says only markup fee applies to international transactions on Virtual Debit Card, but the amount is not generalized; credit-card 'up to 3%' and prepaid-card 3% rates are deliberately excluded. |
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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 current standalone ordinary Canara debit-card DCC fee was confirmed in the reviewed sources, so the engine records DCC as not separately published rather than inferring it from another Canara card product. |
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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. | Current reference variants: Mastercard Platinum ₹1 lakh ATM/day and ₹5 lakh POS/e-commerce/day; Mastercard Standard ₹75,000 ATM/day and ₹2 lakh POS/e-commerce/day. Customer/channel controls remain bounded by the exact card variant. |
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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. | Transactions can fail because global/channel access is off, the variant does not support international use, the configured/variant limit is exceeded, balance is insufficient or the overseas acquirer/network imposes a restriction. |
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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. | International-control changes are available through Mobile/Internet Banking or branch; lost-card, blocking and disputed transaction handling remain governed by Canara's current debit-card support process. |
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