| 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 HDFC Bank account plus an international-capable HDFC debit card. The current control/limit table marks RuPay PMJDY and NRO debit cards as domestic-only, so international capability is variant-specific. |
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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. | Online, contactless and international debit-card functionality can be disabled by default/inactivity. HDFC allows re-enabling and limit changes through NetBanking and other supported card-control channels including MobileBanking/MyCards/IVR routes described in current bank material. |
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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. | Card controls separate international ATM, POS, online/e-commerce and contactless usage, with daily domestic and international usage/limit settings. |
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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. | Reviewed key-fact sheet lists, for the stated non-managed segment, ₹25 + taxes per international ATM balance enquiry and ₹125 + taxes per international ATM cash withdrawal plus the applicable cross-currency markup. |
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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. | Eligible international debit cards can be enabled for overseas POS and online use. Current maximum daily shopping limits are card-variant specific and are expressed as combined domestic + international ceilings. |
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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. | 3.5% + taxes on foreign-currency debit-card transactions in the reviewed key-fact sheet; Infiniti receives a preferential 0.99% cross-currency markup. Network wholesale exchange rate at transaction/merchant settlement is the stated conversion basis. |
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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. | With effect from February 2025, HDFC's debit-card key-fact sheet states a 1% + taxes DCC markup on transactions carried out in INR at an international location or at an India-located merchant registered overseas. DCC and FCY are classified by the network. |
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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. | Current post-31-August-2026 variant maxima include Infiniti ₹2 lakh ATM/₹10 lakh shopping, Platinum ₹1 lakh/₹5 lakh, Regular/Classic ₹25,000/₹2.5 lakh and Millennia ₹50,000/₹3.5 lakh daily, with customers able to hold lower self-set limits. |
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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. | A transaction can fail because international/channel use is off, the customer-set/variant limit is exceeded, the card is domestic-only or the overseas acquirer imposes a lower limit. The engine does not infer universal hotel, fuel or car-rental pre-authorisation hold treatment. |
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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. | HDFC publishes card-control and customer-care recovery routes and an overseas travel-assistance number; lost-card/blocking and disputed-transaction handling remain governed by current debit-card support terms. |
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