| Eligible cards / accounts | Eligible IndusInd account plus international-capable debit card; exact card variant/account programme determines markup, limits and fees. | 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 | 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. | 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 | The card-control system distinguishes International POS, ATM, ECOM, NFC/contactless and tokenisation; MOTO/standing-instruction contexts are also treated separately where available. | 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 | 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. | 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 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 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 | 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. | 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 | 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. | 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 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. | 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 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 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 | 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. | 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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