| Eligible cards / accounts | 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. | 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. |
|---|
| International activation | 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. | 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. |
|---|
| Channels | 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. | 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. |
|---|
| Overseas ATM | 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. | 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. |
|---|
| 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. | 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. |
|---|
| Forex markup | 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 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. |
|---|
| DCC | 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. | 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. |
|---|
| Limits / controls | 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. | 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. |
|---|
| Declines / holds | 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. | 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. |
|---|
| Support / recovery | 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. | 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. |
|---|