International Debit Cards & Overseas Banking in India

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12of 12 profiles shown

AU Small Finance BankInternational banking service

AU Small Finance Bank International Debit Card & Overseas ATM Banking

AU Small Finance Bank international debit-card profile covering default-off overseas channels, granular AU 0101 controls, ₹150/₹25 standard overseas-ATM references and highly variant-specific cross-currency pricing from 3.5% down to 0.90% or 0% on qualifying programmes.

First-party checked7 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible AU account and international-capable debit card. Product/programme status determines overseas capability, fee waivers and cross-currency rate.

Best fitAU customers who want granular ATM/POS/online/contactless international controls and need to compare the exact debit-card/programme forex markup instead of assuming all AU cards share one travel rate.

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Axis BankInternational banking service

Axis Bank International Debit Card & Overseas ATM Banking

Axis Bank international debit-card profile covering international channel activation, ₹125 overseas ATM withdrawal/₹25 balance-enquiry fees, 3.5% cross-currency markup, 1% DCC and FEMA/LRS-linked international access controls.

First-party checked4 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible Axis Bank savings/current account and an internationally valid debit-card variant. International usage does not override the account balance, card limit, card-variant or regulatory status.

Best fitAxis Bank debit-card users who want the current international ATM and currency-conversion costs plus the bank's usage-control and LRS/PAN restrictions visible in one operational profile.

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Bank of BarodaInternational banking service

Bank of Baroda International Debit Card & Overseas ATM Banking

Bank of Baroda international debit-card profile covering default domestic-only channel state, bob World/Internet/ATM/IVR international activation, card-variant limits and currently published overseas ATM charges without inventing a bankwide forex/DCC percentage.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible Bank of Baroda account and a debit-card variant with international functionality. A domestic-only or non-international card cannot gain international acceptance merely by changing a channel switch.

Best fitBank of Baroda customers with an international-capable debit card who need to enable overseas use and want the bank's published ATM charges and card-variant limits separated from unverified forex/DCC assumptions.

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Canara BankInternational banking service

Canara Bank International Debit Card & Overseas ATM Banking

Canara Bank international debit-card profile covering default-blocked global use, digital/branch activation, current 2026 variant limits and a conservative fee model that does not copy credit-card or prepaid-forex pricing into ordinary debit-card usage.

First-party checked6 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible Canara savings/current-account relationship and a debit-card variant supporting global use. PMJDY is expressly excluded from global activation in the reviewed current debit-card feature matrix.

Best fitCanara Bank customers with global-capable debit cards who need international usage enabled and want current variant limits without unsupported cross-currency or overseas-ATM fee assumptions.

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Federal BankInternational banking service

Federal Bank International Debit Card & Overseas ATM Banking

Federal Bank international debit-card profile with explicit current overseas ATM fees, 3.5% debit-card international markup, 1% DCC fee, scheme/card waivers and multi-channel international activation controls.

First-party checked3 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible Federal Bank account and debit card; account scheme/card tier can determine charge waivers and international entitlement.

Best fitFederal Bank customers who want a clearly published international ATM/forex/DCC fee stack and the ability to keep international card usage disabled until needed.

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HDFC BankInternational banking service

HDFC Bank International Debit Card & Overseas ATM Banking

HDFC Bank international debit-card profile covering default-off international controls, current combined domestic/international variant limits, overseas ATM charges, 3.5% general forex markup, the Infiniti exception and a separately identified DCC fee.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible HDFC Bank account and an international-capable debit card; domestic-only variants such as the reviewed PMJDY and NRO debit-card entries must not be treated as overseas-capable simply because another HDFC card supports international use.

Best fitHDFC Bank debit-card users who want exact international enablement controls and need to distinguish foreign-currency markup, DCC, overseas ATM fees and debit-card-variant limits before using the card abroad.

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ICICI BankInternational banking service

ICICI Bank International Debit Card & Overseas ATM Banking

ICICI Bank international debit-card profile covering default-off international activation, overseas ATM charges, 3.5% foreign-currency markup and a live first-party DCC conflict where the effective-dated charge schedule is newer than the travel-use page.

First-party checked3 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible linked ICICI Bank account, an active debit card and sufficient balance. International online/merchant functionality is an explicit card-control state and is not enabled merely by holding the account.

Best fitICICI Bank debit-card holders who need international usage switched on and want the bank's overseas ATM/forex charges plus the current DCC source conflict made explicit rather than silently choosing the more favourable page.

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IDFC FIRST BankInternational banking service

IDFC FIRST Bank International Debit Card & Overseas ATM Banking

IDFC FIRST Bank international debit-card profile separating digital enable/disable controls, customer-set domestic/international limits, standard schedule pricing and zero-fee/premium relationship exceptions instead of treating the bank's zero-fee positioning as universal forex-free use.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible IDFC FIRST account and linked debit card. Account programme can materially change international ATM/POS and markup charges even when the underlying card network is similar.

Best fitIDFC FIRST customers who want app/NetBanking control over international debit-card usage and need to distinguish fixed ATM/POS service charges from the foreign-currency markup attached to their exact account/card programme.

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IndusInd BankInternational banking service

IndusInd Bank International Debit Card & Overseas ATM Banking

IndusInd Bank international debit-card profile combining granular international channel controls with current card-specific forex pricing, overseas ATM reference charges and premium/INDIE exceptions rather than one universal international fee.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible IndusInd account and debit-card variant. Account/card tier determines charges, limits and premium waivers while available account balance remains independently applicable.

Best fitIndusInd customers who want to enable only the overseas channels they need and compare their exact card's cross-currency markup and international limits before travel.

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Kotak Mahindra BankInternational banking service

Kotak Mahindra Bank International Debit Card & Overseas ATM Banking

Kotak Mahindra Bank international debit-card profile covering app/NetBanking activation, overseas ATM and merchant use, 3.5% foreign-currency conversion, account/card-specific ATM pricing and a live first-party DCC-fee conflict that is retained instead of silently normalized.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible Kotak account and debit-card variant; account/product relationship determines card entitlement and any fee waivers, while available balance and customer-set card limits remain independently applicable.

Best fitKotak customers preparing an eligible debit card for international ATM, POS or online use and wanting current channel controls plus the bank's conflicting DCC disclosures visible before transacting.

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State Bank of IndiaInternational banking service

SBI International Debit Card & Overseas ATM Banking

State Bank of India international debit-card use profile covering activation controls, overseas ATM/POS/e-commerce access, published international transaction charges and card-specific limits without treating one SBI debit-card variant as the bankwide limit.

First-party checked4 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible SBI account with an international-capable debit-card variant and sufficient available balance; account, card variant, country/acquirer and customer-set controls remain independently applicable.

Best fitSBI customers preparing an international-capable debit card for overseas ATM withdrawals, merchant purchases or supported international e-commerce and wanting the bank's channel controls and current reference-card limits visible before travel.

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YES BANKInternational banking service

YES BANK International Debit Card & Overseas ATM Banking

YES BANK international debit-card profile preserving sharp card-tier differences: mainstream cards can carry 3% cross-currency markup while APEX, Premia, Aura and other premium variants publish 0%, alongside explicit international ATM pricing and customer activation controls.

First-party checked6 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible YES BANK savings/current/NRI relationship with the relevant debit card. Premium programme status can determine whether the card receives zero cross-currency markup or different fees.

Best fitYES BANK customers comparing the real overseas economics of their exact debit-card variant rather than assuming the bank's premium 0% forex proposition applies to every YES debit card.

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How to compare

Check the terms that can change the decision.

Category membership alone does not make products interchangeable. Recheck the bank's current controlling agreement, tariff or effective-rate table before acting.

Cost

Identify recurring charges, balance requirements and waivers.

Eligibility

Confirm who can actually open or keep the product.

Limits

Check the transaction and operating limits that affect normal use.

Source freshness

Use the current bank agreement or tariff when it differs from older marketing copy.

International debit-card capability matrix

Compare what must be enabled before comparing a headline forex percentage.

International capability, card-control state, overseas ATM pricing and POS/e-commerce use remain tied to the exact debit-card variant. Credit-card and forex-prepaid pricing never fills a debit-card evidence gap.

Research matrix: Bank profile; Activation / channels; ATM / POS / e-commerce
Bank profile	Activation / channels	ATM / POS / e-commerce
AU Small Finance Bank International Debit Card & Overseas ATM Banking	AU states online, contactless and international transactions are disabled by default on new debit cards. In AU 0101/NetBanking, customers can switch on International Usage and independently enable/disable ATM, POS, Online and Contactless, confirmed by OTP; website controls are also available. International ATM, POS, online/e-commerce and contactless controls are granular in AU 0101. Limits can be adjusted per channel up to the maximum allowed for the exact card variant.	AU's current service-fee page publishes ₹150 per financial and ₹25 per non-financial overseas ATM transaction for many mainstream Visa/Gold/Platinum/Royale schedules; some premium/NRI/domestic-only products differ, including ₹100 or NA examples. ATM/acquirer surcharges can be additional. Eligible cards support international POS and e-commerce after international usage/channel activation. AU's low-cross-currency guidance says reduced markup requires transacting in foreign/local currency rather than selecting INR through DCC.
Axis Bank International Debit Card & Overseas ATM Banking	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. 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.	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. 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.
Bank of Baroda International Debit Card & Overseas ATM Banking	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. 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.	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. 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.
Canara Bank International Debit Card & Overseas ATM Banking	Global usage is blocked by default and can be enabled through Mobile Banking, Internet Banking or the base branch under the reviewed policy/current product material. Eligible cards support ATM cash withdrawal, POS and e-commerce, with channel enable/disable and limit setting through digital banking or branch according to the current variant feature material.	Eligible international debit variants support ATM use subject to card/network/acquirer availability, but the reviewed current debit-card service-charge section does not provide one universal Canara overseas-ATM fixed fee. The engine does not copy prepaid-travel-card ATM prices into debit cards. Eligible Canara debit cards support international POS/e-commerce after global usage activation. Current daily maximums depend on card variant rather than one global bank ceiling.
Federal Bank International Debit Card & Overseas ATM Banking	Federal Bank says customers can enable/disable Online, Contactless and International debit-card usage through FedMobile Card Management, IVR, Federal Bank ATM or branch. International debit usage can cover ATM, POS/e-commerce and contactless according to card/network support, with online/contactless/international states customer-controlled through supported channels.	Service charges effective 1 June 2025 publish ₹125 for an international ATM financial transaction and ₹25 for non-financial. Celesta cards for qualifying Celesta scheme holders are explicitly exempted from the bank's international ATM transaction charge; acquirer fees may still be extra. Eligible debit cards support international merchant/online use after applicable controls are enabled, subject to card limit, available balance, merchant/network acceptance and scheme terms.
HDFC Bank International Debit Card & Overseas ATM Banking	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. Card controls separate international ATM, POS, online/e-commerce and contactless usage, with daily domestic and international usage/limit settings.	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. 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.
ICICI Bank International Debit Card & Overseas ATM Banking	The reviewed ICICI travel-use page says International is off by default. In iMobile or Internet Banking, select the debit card, open Transaction Settings, enable International for Online and/or Merchant Outlet, and set the transaction limit. International card settings distinguish Online and Merchant Outlet access; ATM usage is supported on eligible international debit cards and governed by the card/account and overseas ATM network.	Current schedule: ₹25 balance enquiry outside India; cash withdrawal outside India ₹125 + 3.5% currency-conversion charges, with applicable GST. The overseas ATM owner can also impose its own access limit/charge. International POS/e-commerce is available after enabling the relevant international card flags. Foreign-currency debit-card transactions are subject to the published markup; DCC applies when the transaction is denominated in INR under the bank's DCC definition.
IDFC FIRST Bank International Debit Card & Overseas ATM Banking	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. Eligible debit cards support international ATM and purchase transactions, with international enablement and purchase/withdrawal limits controlled through Mobile/Internet Banking.	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. 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.
IndusInd Bank International Debit Card & Overseas ATM Banking	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. The card-control system distinguishes International POS, ATM, ECOM, NFC/contactless and tokenisation; MOTO/standing-instruction contexts are also treated separately where available.	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. 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.
Kotak Mahindra Bank International Debit Card & Overseas ATM Banking	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. 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.	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. 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.
SBI International Debit Card & Overseas ATM Banking	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. 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.	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. 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.
YES BANK International Debit Card & Overseas ATM Banking	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. 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.	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. 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.

Forex, DCC & overseas-control matrix

Do not collapse four different costs into one “international fee”.

The bank's fixed overseas-ATM charge, foreign ATM owner surcharge, foreign-currency markup and DCC fee can all be distinct. Unknown or conflicting current values stay visible instead of being replaced with another card product's tariff.

Research matrix: Bank; Forex / DCC; Limits / regulatory / conflict
Bank	Forex / DCC	Limits / regulatory / conflict
AU Small Finance Bank International Debit Card & Overseas ATM Banking	Variant-specific. AU's current low-cross-currency page lists general AU Debit/AU Business Debit at 3.5%; AU Royale is currently marketed at 2.5%, special CA/CS programmes at 1.5%, and AU Eternity at 0.90%. The service-fee table also contains qualifying 0% card/programme rows. AU's July 2026 DCC guidance describes DCC as a merchant/terminal-provider service with a merchant-set exchange rate and recommends paying in local currency. Its low-cross-currency page gives an indicative DCC range that varies by merchant/location; the engine therefore does not record that range as a fixed AU bank debit-card fee.	Customers can set ATM/POS/Online/Contactless limits through AU 0101/NetBanking up to the card variant's maximum. No one international amount is generalized across AU Gold, Platinum, Royale, Eternity, business and NRI cards. International usage remains subject to RBI/FEMA permissible-current-account rules and the card/network's country/merchant restrictions; channel activation alone is not foreign-exchange authorization. AU's current service-fee table legitimately contains different overseas ATM and cross-currency values across card/account programmes. The engine preserves those variants instead of selecting the cheapest or most common number as bankwide.
Axis Bank International Debit Card & Overseas ATM Banking	3.5% + GST cross-currency markup for all international cash-withdrawal and purchase transactions in the reviewed debit-card fee schedule. 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.	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. Axis terms subject international use to RBI/FEMA rules and state international debit access can be blocked for resident LRS-nature transactions after breach of the permissible PAN-level financial-year limit, then unblocked in the next financial year. The current fee schedule is internally clear on ₹125/₹25 ATM fees, 3.5% cross-currency and 1% DCC. Product/account MIDs or SOCs can override variant fees, so the engine avoids applying relationship-specific waivers universally.
Bank of Baroda International Debit Card & Overseas ATM Banking	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. 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.	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. International debit-card use remains subject to RBI/FEMA permissible-current-account rules and the card/network's country restrictions; channel enablement is not regulatory approval for prohibited transactions. Rather than choosing an unsupported generic international limit or markup, the engine uses current variant pages for limits, the service-charge page for explicitly scoped Classic/Platinum ATM fees and leaves unverified bankwide forex/DCC pricing blank.
Canara Bank International Debit Card & Overseas ATM Banking	No one universal ordinary-debit-card foreign-currency percentage was confirmed in the reviewed debit-card fee section. A note says only markup fee applies to international transactions on Virtual Debit Card, but the amount is not generalized; credit-card 'up to 3%' and prepaid-card 3% rates are deliberately excluded. No current standalone ordinary Canara debit-card DCC fee was confirmed in the reviewed sources, so the engine records DCC as not separately published rather than inferring it from another Canara card product.	Current reference variants: Mastercard Platinum ₹1 lakh ATM/day and ₹5 lakh POS/e-commerce/day; Mastercard Standard ₹75,000 ATM/day and ₹2 lakh POS/e-commerce/day. Customer/channel controls remain bounded by the exact card variant. International debit-card use remains subject to current RBI/FEMA permissible-current-account rules. Global enablement is an operational card state, not permission for a prohibited foreign-exchange use. The fee page mixes separate credit-card, debit-card and prepaid-card schedules. The engine deliberately refuses to transfer the credit-card 'up to 3%' markup or prepaid-card 3% cross-currency figure into ordinary debit-card pricing without explicit debit-card evidence.
Federal Bank International Debit Card & Overseas ATM Banking	Federal Bank's current schedule publishes 3.5% international transaction markup for both Visa/Mastercard debit cards and RuPay debit cards, before any product/scheme-specific concession or waiver that may be separately published. Current Federal schedule publishes Dynamic Currency Conversion Fee at 1% of the DCC transaction amount plus GST. It is stored separately from the 3.5% foreign-currency markup.	Card product maxima and customer settings govern usable ATM/purchase amounts. International channel enablement is independent from the linked account's balance and applicable regulatory limit. International debit-card use remains limited to permissible RBI/FEMA current-account transactions; card availability does not override foreign-exchange restrictions. No conflicting numeric DCC or base international-ATM rate was normalized. Instead, explicit scheme exceptions such as Celesta's international-ATM exemption remain attached to that relationship.
HDFC Bank International Debit Card & Overseas ATM Banking	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. 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.	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. International debit-card usage remains subject to RBI/FEMA permissible-current-account rules. HDFC card controls and variant maxima are operating controls, not permission to make a prohibited foreign-exchange transaction. The reviewed current sources are consistent on the general 3.5% forex rate, Infiniti's 0.99% exception and 1% DCC fee. The engine deliberately keeps segment-specific ATM pricing and domestic-only card variants from becoming bankwide promises.
ICICI Bank International Debit Card & Overseas ATM Banking	Current debit-card Schedule of Charges states 3.5% of transaction amount as the foreign-currency markup fee, excluding applicable GST. Effective 21 June 2026, the current debit-card Schedule of Charges states 3.50% + GST for DCC transactions at international locations or INR transactions with an India-located merchant registered in a foreign country. A separate current travel page still shows 1% + GST, so the conflict is exposed.	Customer sets the international transaction limit in iMobile/Internet Banking; the bank/card maximum remains product-specific and no universal ceiling is manufactured from a single card variant. International debit-card usage is subject to current FEMA/RBI permissible-current-account rules and applicable tax/regulatory treatment. An app setting cannot authorize a prohibited use. Live conflict retained: current general travel page says DCC 1% + GST, but the effective-dated debit-card Schedule of Charges says 3.50% + GST from 21 June 2026. The dated schedule is treated as the current price while the contradiction remains visible.
IDFC FIRST Bank International Debit Card & Overseas ATM Banking	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. 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.	Mobile/Internet Banking allows customer-selected daily domestic and international withdrawal/purchase limits within preset product ceilings. Exact maxima are debit-card variant specific. Debit-card international usage remains subject to exchange-control/RBI rules; IDFC FIRST's debit-card terms explicitly prohibit remittances for which foreign exchange release is not permissible. The engine preserves the apparent tension between broad 'zero charges on international ATM/POS services' marketing and product schedules that publish fixed ATM fees/forex markup by treating fee waivers as account-programme scoped, not bankwide.
IndusInd Bank International Debit Card & Overseas ATM Banking	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. 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.	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. International use remains subject to RBI/FEMA permissible-current-account rules and applicable bank/network restrictions despite card channel enablement. The engine does not flatten 2% Platinum/INDIE Star pricing with the zero-markup Signature exception, and keeps current-account ATM charges separate from universal debit-card claims. Debit-card DCC remains unfilled without direct evidence.
Kotak Mahindra Bank International Debit Card & Overseas ATM Banking	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. 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.	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. International debit-card usage remains limited to permissible current-account transactions under RBI/FEMA rules; operational card enablement does not authorize a prohibited foreign-exchange purpose. DCC is deliberately conflict-gated at 1% versus 3.5% across current first-party Kotak pages. Standard ₹150/₹25 ATM pricing is also kept account-scoped because premium programmes can waive or alter the bank charge.
SBI International Debit Card & Overseas ATM Banking	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. 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.	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. International debit-card use remains limited to permissible current-account transactions under FEMA/RBI rules; the card's operational limit does not override a regulatory restriction or prohibited-use rule. No numeric conflict was forced into one value. The engine keeps the Global International card's card-specific limits separate from general SBI international transaction charges and leaves a debit-card DCC rate unfilled because the reviewed tariff does not state one separately.
YES BANK International Debit Card & Overseas ATM Banking	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. 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.	Customers can manage card usage and limits through supported channels, bounded by the debit-card product limit. International card maxima remain variant-specific. International debit-card use remains subject to RBI/FEMA permissible-current-account rules. Enabling international use does not override exchange-control restrictions. Instead of flattening pricing, the engine preserves 3% mainstream versus 0% premium forex and ₹175 versus product/schedule-specific overseas ATM pricing. DCC 1% is retained only where the current debit schedule explicitly states it.

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Latest recorded review September 10, 2026Maintained pair Source-backed

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