| Eligible cards / accounts | Eligible Federal Bank account and international-capable debit card; scheme/card tier controls fee waivers and product maxima. | Eligible IndusInd account plus international-capable debit card; exact card variant/account programme determines markup, limits and fees. |
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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. | 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. |
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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. | The card-control system distinguishes International POS, ATM, ECOM, NFC/contactless and tokenisation; MOTO/standing-instruction contexts are also treated separately where available. |
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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. | 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. |
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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/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. |
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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. | 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. |
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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. | 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. |
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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. | 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. |
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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. | A disabled channel, lower customer-set limit, card maximum, insufficient funds, merchant/network rule or regulatory control can cause a decline. Foreign merchant deposits/holds are not assumed to follow one universal IndusInd rule. |
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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. | Card controls and blocking are available through IndusMobile/IndusNet/ATM/phone banking/branch; unauthorised transactions can be reported through the bank's current support process. |
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