| Eligible cards / accounts | 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. | Eligible Canara savings/current account with a global-capable debit-card variant. Current feature matrix says International/Global usage can be activated for supported variants and is not applicable to PMJDY. |
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| International activation | 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. | 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. |
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| Channels | 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. | 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. |
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| Overseas ATM | 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 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. |
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| POS / e-commerce | 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. | 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. |
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| Forex markup | 3.5% + GST cross-currency markup for all international cash-withdrawal and purchase transactions in the reviewed debit-card fee schedule. | 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. |
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| DCC | 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. | 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. |
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| Limits / controls | 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. | 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. |
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| Declines / holds | 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. | Transactions can fail because global/channel access is off, the variant does not support international use, the configured/variant limit is exceeded, balance is insufficient or the overseas acquirer/network imposes a restriction. |
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| Support / recovery | 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. | International-control changes are available through Mobile/Internet Banking or branch; lost-card, blocking and disputed transaction handling remain governed by Canara's current debit-card support process. |
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