| Eligible cards / accounts | Eligible YES BANK savings/current/NRI account with an international-capable debit card. Product/programme determines fees, forex markup and maximum limits. | Eligible Axis savings/current account with an internationally valid debit card. NRI international debit use is separately tied by the reviewed terms to dues being met from an eligible NRE/NRO account; overdraft-linked international debit use is not generalized. |
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| International activation | YES BANK states new debit cards are initially enabled for domestic ATM/merchant use; international usage and limits can be activated via IRIS, NetBanking/YES Online or customer care. Card-level limits are manageable through digital channels up to product limits. | Card-not-present domestic/international and card-present international transactions can be enabled/disabled through Mobile App, Internet Banking, Call Centre or branch; current account application material also points to Internet Banking/Mobile App/Call Centre for international activation/deactivation. |
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| Channels | Supported international channels include ATM, POS and e-commerce; the bank's security guidance treats domestic e-commerce/contactless and international ATM/POS/e-commerce/contactless as separately controlled states on new cards. | Controls cover card-not-present domestic/international and card-present international usage, with cumulative Online/POS/Contactless limits where specified by the bank's debit-card setup. |
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| Overseas ATM | Current retail examples such as YES EXPLORE, ENGAGE, APEX and Premia publish ₹175 cash withdrawal and ₹20 balance enquiry; certain other schedules/products publish different fees, including ₹150 business examples and older/NRI variants. Exact card/account schedule controls. | Current fee schedule: ₹125 per international ATM cash withdrawal and ₹25 per international balance enquiry, plus the applicable 3.5% + GST cross-currency markup on international cash withdrawal. A foreign ATM operator can impose an additional fee. |
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| POS / e-commerce | International retail and online usage is available after enablement, subject to the exact card's limits and network/merchant support. Premium variants may pair this with zero cross-currency markup. | Eligible international debit cards work across supported Visa/Mastercard/RuPay ATM/POS networks and enabled card-not-present channels. International purchase transactions carry the current cross-currency treatment when processed in foreign currency. |
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| Forex markup | Variant-specific: current YES EXPLORE/ENGAGE publish 3%; current APEX, Premia and Aura publish 0%, as do several selected premium/business variants. No bankwide single percentage is inferred. | 3.5% + GST cross-currency markup for all international cash-withdrawal and purchase transactions in the reviewed debit-card fee schedule. |
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| DCC | A current YES BANK Freedom Flexi business-account schedule effective 1 January 2026 explicitly publishes 1% + GST DCC for debit-card INR transactions at international locations or overseas-registered merchants. Because not every reviewed retail card page exposes DCC, the engine keeps this as schedule-scoped evidence rather than asserting it universally. | 1% of transaction amount + GST when DCC converts an international POS/ATM transaction to the cardholder's home currency; Burgundy Private Debit Card is exempt from this bank DCC fee under the reviewed schedule. |
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| Limits / controls | Customers can manage card usage and limits through supported channels, bounded by the debit-card product limit. International card maxima remain variant-specific. | Default and customer-modified limits are card/account-specific. Online, POS and Contactless can operate as a cumulative limit rather than three independent ceilings under the reviewed Axis debit-card control wording. |
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| Declines / holds | Disabled international/channel controls, insufficient funds, configured/product limits, overseas merchant/network restrictions or regulatory controls can cause declines. YES BANK also publishes insufficient-funds ATM decline fees on individual card pages. | Declines can result from channel state, customer/card limit, balance, foreign-acquirer restrictions or regulatory/LRS control. Foreign ATM-owner fees are outside Axis's ₹125 fee and no universal merchant pre-authorisation hold rule is inferred. |
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| Support / recovery | International usage can be controlled digitally; YES BANK publishes domestic and overseas/NRI customer support plus card blocking and grievance routes for unresolved issues. | Axis Mobile/Internet Banking/Call Centre/branch provide control routes; loss, compromise or disputed overseas transactions follow the bank's debit-card blocking and dispute channels. |
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