| 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 IndusInd account plus international-capable debit card; exact card variant/account programme determines markup, limits and fees. |
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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. | 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. |
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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. | The card-control system distinguishes International POS, ATM, ECOM, NFC/contactless and tokenisation; MOTO/standing-instruction contexts are also treated separately where available. |
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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 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. |
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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 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. |
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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 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. |
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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 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. |
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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. | 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. |
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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. | 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. |
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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 controls and blocking are available through IndusMobile/IndusNet/ATM/phone banking/branch; unauthorised transactions can be reported through the bank's current support process. |
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