| 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 IDFC FIRST account plus the associated debit-card variant. Savings, salary, premium and business relationship schedules may produce different ATM/POS/forex economics. |
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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. | 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. |
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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. | Eligible debit cards support international ATM and purchase transactions, with international enablement and purchase/withdrawal limits controlled through Mobile/Internet Banking. |
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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. | 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. |
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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. | 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. |
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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. | 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. |
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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. | 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. |
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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. | Mobile/Internet Banking allows customer-selected daily domestic and international withdrawal/purchase limits within preset product ceilings. Exact maxima are debit-card variant specific. |
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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. | 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. |
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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. | 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. |
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