| Eligible cards / accounts | Eligible IDFC FIRST account plus the associated debit-card variant. Savings, salary, premium and business relationship schedules may produce different ATM/POS/forex economics. | Eligible active ICICI Bank debit card linked to the relevant account; international availability and ceilings depend on card variant/account plus the customer's current card-control settings. |
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| International activation | IDFC FIRST Mobile Banking and Internet Banking explicitly let users enable/disable international debit-card usage and set domestic/international daily withdrawal and purchase limits within preset limits; card activation can also use supported bank channels. | The reviewed ICICI travel-use page says International is off by default. In iMobile or Internet Banking, select the debit card, open Transaction Settings, enable International for Online and/or Merchant Outlet, and set the transaction limit. |
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| Channels | Eligible debit cards support international ATM and purchase transactions, with international enablement and purchase/withdrawal limits controlled through Mobile/Internet Banking. | International card settings distinguish Online and Merchant Outlet access; ATM usage is supported on eligible international debit cards and governed by the card/account and overseas ATM network. |
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| Overseas ATM | Current Silver Plus Visa Platinum schedule: ₹125 cash withdrawal and ₹25 balance enquiry internationally. Qualifying zero-fee/premium programmes can waive fixed service charges, so the exact account/card schedule controls rather than this reference figure becoming bankwide. | Current schedule: ₹25 balance enquiry outside India; cash withdrawal outside India ₹125 + 3.5% currency-conversion charges, with applicable GST. The overseas ATM owner can also impose its own access limit/charge. |
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| POS / e-commerce | International card purchase access is governed by the card's enabled international usage and purchase limit; the current zero-fee savings proposition distinguishes service-charge waivers from continuing forex markup. | International POS/e-commerce is available after enabling the relevant international card flags. Foreign-currency debit-card transactions are subject to the published markup; DCC applies when the transaction is denominated in INR under the bank's DCC definition. |
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| Forex markup | Current Silver Plus Visa Platinum schedule publishes 3.50%. IDFC FIRST's broad savings zero-fee disclosure still says forex markup applies on international ATM/POS/debit-card transactions; some separately priced programmes may waive or alter it, so the engine retains programme scope. | Current debit-card Schedule of Charges states 3.5% of transaction amount as the foreign-currency markup fee, excluding applicable GST. |
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| DCC | No separate universal debit-card DCC fee was confirmed in the reviewed debit-card sources. The engine does not reuse IDFC FIRST credit-card DCC/currency-conversion wording for debit cards. | Effective 21 June 2026, the current debit-card Schedule of Charges states 3.50% + GST for DCC transactions at international locations or INR transactions with an India-located merchant registered in a foreign country. A separate current travel page still shows 1% + GST, so the conflict is exposed. |
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| Limits / controls | Mobile/Internet Banking allows customer-selected daily domestic and international withdrawal/purchase limits within preset product ceilings. Exact maxima are debit-card variant specific. | Customer sets the international transaction limit in iMobile/Internet Banking; the bank/card maximum remains product-specific and no universal ceiling is manufactured from a single card variant. |
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| Declines / holds | Insufficient balance, disabled international use, customer/card limits, local acquirer/network restrictions or exchange-control rules can prevent a transaction. Fixed decline charges, where any, remain schedule/programme specific. | Transactions can be declined when international flags are off, limits/balance are insufficient or the foreign ATM/acquirer/network applies restrictions. No universal accommodation/car-rental hold rule is inferred. |
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| Support / recovery | Card activation, blocking/replacement and international controls are available through Mobile Banking/NetBanking and current support channels; disputed/unauthorised transactions follow IDFC FIRST's debit-card servicing process. | International card problems, loss/theft and disputes use ICICI's current card/customer-care channels; card controls should be used to disable exposed channels when appropriate. |
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