| Eligible cards / accounts | Eligible Federal Bank account and international-capable debit card; scheme/card tier controls fee waivers and product maxima. | Eligible AU account and international-capable debit-card variant. Some card/account variants are domestic-only or have different fee/forex schedules, so the exact product relationship remains controlling. |
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| International activation | Federal Bank says customers can enable/disable Online, Contactless and International debit-card usage through FedMobile Card Management, IVR, Federal Bank ATM or branch. | 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. |
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| Channels | 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. | 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. |
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| Overseas ATM | 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. | 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. |
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| POS / e-commerce | 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. | 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. |
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| Forex markup | 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. | 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. |
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| DCC | 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. | 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. |
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| Limits / controls | 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. | 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. |
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| Declines / holds | Transactions can fail for disabled card channels, insufficient balance, configured/product limits, merchant/network restrictions or regulatory controls; the current service schedule also publishes decline charges for insufficient funds in relevant contexts. | Transactions may fail if international or the specific channel is disabled, customer/variant limit is exceeded, funds are insufficient, the product is domestic-only or the foreign acquirer/network/regulatory environment blocks it. |
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| Support / recovery | International controls are available through FedMobile/IVR/ATM/branch; lost or suspicious cards can be disabled through the bank's current card-management/support process. | AU 0101/NetBanking supports blocking, replacement, card controls and fraud reporting; AU's support channels include phone, email, branch, video and complaint routes for unresolved issues. |
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