| Eligible cards / accounts | Eligible Kotak deposit/current account plus an international-capable debit-card variant; fee and limit treatment can change with the account programme/card tier. | Eligible Federal Bank account and international-capable debit card; scheme/card tier controls fee waivers and product maxima. |
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| International activation | Kotak's current Cross Border help page lets customers check or enable International Usage in Mobile Banking under Service Requests → Debit Card → Card Control → International/Domestic Controls; Net Banking is also supported. Enabling itself is stated as free. | Federal Bank says customers can enable/disable Online, Contactless and International debit-card usage through FedMobile Card Management, IVR, Federal Bank ATM or branch. |
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| Channels | International ATM, POS/in-store and online/e-commerce use are supported on eligible debit cards, with domestic/international control state managed separately through supported digital card controls. | International debit usage can cover ATM, POS/e-commerce and contactless according to card/network support, with online/contactless/international states customer-controlled through supported channels. |
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| Overseas ATM | Many current Kotak savings schedules publish ₹150 per international cash withdrawal and ₹25 per international non-financial transaction; exact programme/card schedule controls, and premium variants can have different or nil bank charges. Foreign ATM/acquirer fees can still be extra. | Service charges effective 1 June 2025 publish ₹125 for an international ATM financial transaction and ₹25 for non-financial. Celesta cards for qualifying Celesta scheme holders are explicitly exempted from the bank's international ATM transaction charge; acquirer fees may still be extra. |
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| POS / e-commerce | Eligible cards can be used internationally at merchants/online after international use is enabled, subject to the card's own channel and amount settings plus network/merchant acceptance. | Eligible debit cards support international merchant/online use after applicable controls are enabled, subject to card limit, available balance, merchant/network acceptance and scheme terms. |
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| Forex markup | Kotak's current debit-card terms/schedules publish a 3.5% cross-currency markup on foreign-currency debit-card transactions using the applicable Visa/Mastercard wholesale conversion rate; specific premium-card exceptions should remain tied to their own programme schedules. | Federal Bank's current schedule publishes 3.5% international transaction markup for both Visa/Mastercard debit cards and RuPay debit cards, before any product/scheme-specific concession or waiver that may be separately published. |
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| DCC | First-party conflict preserved: several current Kotak fee pages and the May 2025 NRI GSFC publish 1% + GST DCC on INR transactions at international locations/overseas-registered merchants, while other current Kotak savings/Privy pages display 3.5% + GST. No single DCC rate is asserted bankwide until Kotak resolves the live conflict for the exact product. | Current Federal schedule publishes Dynamic Currency Conversion Fee at 1% of the DCC transaction amount plus GST. It is stored separately from the 3.5% foreign-currency markup. |
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| Limits / controls | Cardholders can control international availability and card limits within product maxima. Because current card/account programmes differ, no single bankwide international daily ceiling is inferred. | Card product maxima and customer settings govern usable ATM/purchase amounts. International channel enablement is independent from the linked account's balance and applicable regulatory limit. |
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| Declines / holds | Declines can result from international/channel controls being off, customer/card limit, insufficient funds, merchant/acquirer/network restrictions or regulatory controls. Merchant/ATM operator charges and holds are separate from Kotak's own tariff. | Transactions can fail for disabled card channels, insufficient balance, configured/product limits, merchant/network restrictions or regulatory controls; the current service schedule also publishes decline charges for insufficient funds in relevant contexts. |
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| Support / recovery | Kotak provides card-control and support routes through Mobile/Net Banking and customer service; lost/stolen or suspicious use should be blocked promptly through current bank channels. | International controls are available through FedMobile/IVR/ATM/branch; lost or suspicious cards can be disabled through the bank's current card-management/support process. |
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