| Eligible cards / accounts | Eligible SBI account plus an international-capable SBI debit-card variant; the reviewed Global International Debit Card is used as the numeric reference card, while other variant limits remain separate. | Eligible Bank of Baroda account plus a debit-card variant carrying international functionality; international/contactless usage can only be enabled when the actual variant supports it. |
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| International activation | New/replacement/renewal debit cards are enabled initially for domestic ATM/POS use; international usage and channels can be switched on/off through YONO SBI, YONO Lite, Internet Banking, SBI ATM, IVR or branch according to the reviewed security material. | At issue/reissue/renewal, cards are initially enabled for contact-based domestic ATM/POS. International/Online/Contactless use can be switched on through bob World App, bob World Internet, Bank of Baroda ATM or IVR; Green PIN/first-use activation requirements also apply. |
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| Channels | International controls are separated by ATM, POS, e-commerce and contactless/NFC, with domestic versus international usage and customer-set limits managed independently where supported. | bob World and bob World Internet expose card management for International usage, Online usage and daily ATM/POS/e-commerce limits; ATM/IVR provide additional channel-management routes. |
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| Overseas ATM | Global International Debit Card supports worldwide ATM withdrawal; cash limit varies by ATM/country subject to a maximum foreign-currency equivalent of ₹40,000/day. Reviewed SBI tariff: balance enquiry ₹25 + GST; cash withdrawal ₹100 minimum + 3.5% of transaction amount + GST. | Current service-charge page publishes ₹250 per international ATM cash withdrawal for Classic and ₹450 for Platinum, plus ₹30 balance enquiry. Other variant/operator/network costs are not inferred from those two rows. |
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| POS / e-commerce | Global International Debit Card supports overseas POS and selected international online use; POS varies by country up to ₹75,000/day equivalent, while international online is capped at ₹50,000 per transaction and per month on selected supported websites. Reviewed tariff lists 3% of transaction amount + GST for international POS/e-commerce. | International POS/e-commerce is available only on eligible international variants after the relevant controls are enabled. Current product pages publish card-specific ATM and POS/e-commerce maxima. |
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| Forex markup | For the reviewed SBI debit-card international tariff, overseas ATM cash withdrawal carries a 3.5% transaction-amount component plus the ₹100 minimum charge, while international POS/e-commerce carries 3% of transaction amount, each plus GST. These are stored as channel-specific SBI charges, not one universal forex rate. | No single current bankwide debit-card foreign-currency POS/e-commerce markup was confirmed in the reviewed Bank of Baroda debit-card/service-charge sources. The engine therefore leaves the amount unfilled rather than borrowing a credit/forex-card rate. |
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| DCC | The reviewed SBI debit-card charge table does not publish a separate universal Dynamic Currency Conversion fee. The engine therefore does not relabel SBI's international POS/e-commerce charge as a DCC surcharge or invent an additional DCC percentage. | No standalone current Bank of Baroda debit-card DCC surcharge was confirmed in the reviewed first-party debit-card sources. Merchant/network DCC should not be represented as a bank fee without specific evidence. |
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| Limits / controls | Cardholder can set/modify ATM and POS/e-commerce limits within the card variant's prescribed maximum and switch domestic/international usage or channels on/off. Local ATM/country limits can be lower. | Daily ATM and POS/e-commerce limits are configurable within the card's variant ceiling. Current VISA Sapphire reference limits are ₹3 lakh ATM/day and ₹5 lakh POS/e-commerce/day; other variants differ. |
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| Declines / holds | Transactions can be declined by card/channel settings, available balance, the card's own limit, local-country/acquirer limit or regulatory controls. No universal SBI hotel/car-rental deposit-hold rule is inferred from the reviewed sources. | International transactions can fail when the card variant is domestic-only, international/online channel is off, customer/variant limits are exceeded, funds are insufficient or foreign network/acquirer rules intervene. |
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| Support / recovery | SBI publishes 24x7 customer-care and unauthorised-ATM reporting routes; lost/stolen or suspicious international use should be handled through card blocking/channel controls and the bank's current support process. | Bank of Baroda publishes bob World, Internet, ATM, IVR and branch routes for card management and blocking; disputed overseas transactions continue through the bank's debit-card complaint/dispute process. |
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