| Eligible cards / accounts | Eligible IndusInd account plus international-capable debit card; exact card variant/account programme determines markup, limits and fees. | Eligible AU account and international-capable debit-card variant. Some card/account variants are domestic-only or have different fee/forex schedules, so the exact product relationship remains controlling. |
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| International activation | IndusInd says newly issued debit cards are domestic POS/ATM only by default. International ATM/POS/ECOM/NFC and related transaction states can be enabled/disabled through IndusMobile, IndusNet, IndusInd ATM, phone banking or branch, with limits configurable through supported channels. | AU states online, contactless and international transactions are disabled by default on new debit cards. In AU 0101/NetBanking, customers can switch on International Usage and independently enable/disable ATM, POS, Online and Contactless, confirmed by OTP; website controls are also available. |
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| Channels | The card-control system distinguishes International POS, ATM, ECOM, NFC/contactless and tokenisation; MOTO/standing-instruction contexts are also treated separately where available. | International ATM, POS, online/e-commerce and contactless controls are granular in AU 0101. Limits can be adjusted per channel up to the maximum allowed for the exact card variant. |
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| Overseas ATM | Current Indus Green/current-account schedules publish ₹125 cash withdrawal outside India and ₹20 balance enquiry as account/card references. Exact debit-card/account schedule remains controlling, and foreign ATM operators may levy additional charges. | AU's current service-fee page publishes ₹150 per financial and ₹25 per non-financial overseas ATM transaction for many mainstream Visa/Gold/Platinum/Royale schedules; some premium/NRI/domestic-only products differ, including ₹100 or NA examples. ATM/acquirer surcharges can be additional. |
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| POS / e-commerce | Eligible cards support international POS/e-commerce when the respective channels are enabled. Foreign POS may or may not require a PIN, and international e-commerce may or may not use an OTP depending on the overseas merchant/network flow. | Eligible cards support international POS and e-commerce after international usage/channel activation. AU's low-cross-currency guidance says reduced markup requires transacting in foreign/local currency rather than selecting INR through DCC. |
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| Forex markup | Current IndusInd Visa Platinum Debit Card publishes 2% cross-currency markup. INDIE publishes 2% for Star/Super Star and no exchange-rate markup for the qualifying Signature Debit Card under Mega Star; card/programme scope is preserved. | Variant-specific. AU's current low-cross-currency page lists general AU Debit/AU Business Debit at 3.5%; AU Royale is currently marketed at 2.5%, special CA/CS programmes at 1.5%, and AU Eternity at 0.90%. The service-fee table also contains qualifying 0% card/programme rows. |
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| DCC | No separate current universal debit-card DCC fee was confirmed in the reviewed IndusInd debit-card sources. The engine does not copy IndusInd credit-card DCC pricing into debit cards. | AU's July 2026 DCC guidance describes DCC as a merchant/terminal-provider service with a merchant-set exchange rate and recommends paying in local currency. Its low-cross-currency page gives an indicative DCC range that varies by merchant/location; the engine therefore does not record that range as a fixed AU bank debit-card fee. |
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| Limits / controls | Current Visa Platinum reference: ₹1 lakh ATM and ₹2 lakh POS. IndusInd allows customers to set lower limits, and published international limits vary by card/chip variant; no bankwide international maximum is synthesized. | Customers can set ATM/POS/Online/Contactless limits through AU 0101/NetBanking up to the card variant's maximum. No one international amount is generalized across AU Gold, Platinum, Royale, Eternity, business and NRI cards. |
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| Declines / holds | A disabled channel, lower customer-set limit, card maximum, insufficient funds, merchant/network rule or regulatory control can cause a decline. Foreign merchant deposits/holds are not assumed to follow one universal IndusInd rule. | Transactions may fail if international or the specific channel is disabled, customer/variant limit is exceeded, funds are insufficient, the product is domestic-only or the foreign acquirer/network/regulatory environment blocks it. |
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| Support / recovery | Card controls and blocking are available through IndusMobile/IndusNet/ATM/phone banking/branch; unauthorised transactions can be reported through the bank's current support process. | AU 0101/NetBanking supports blocking, replacement, card controls and fraud reporting; AU's support channels include phone, email, branch, video and complaint routes for unresolved issues. |
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