| Eligible cards / accounts | Eligible HDFC Bank account plus an international-capable HDFC debit card. The current control/limit table marks RuPay PMJDY and NRO debit cards as domestic-only, so international capability is variant-specific. | Eligible active ICICI Bank debit card linked to the relevant account; international availability and ceilings depend on card variant/account plus the customer's current card-control settings. |
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| International activation | 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. | 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. |
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| Channels | Card controls separate international ATM, POS, online/e-commerce and contactless usage, with daily domestic and international usage/limit settings. | 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. |
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| Overseas ATM | 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. | 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. |
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| POS / e-commerce | 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. | 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. |
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| Forex markup | 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. | Current debit-card Schedule of Charges states 3.5% of transaction amount as the foreign-currency markup fee, excluding applicable GST. |
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| DCC | 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. | 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. |
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| Limits / controls | 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. | 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. |
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| Declines / holds | A transaction can fail because international/channel use is off, the customer-set/variant limit is exceeded, the card is domestic-only or the overseas acquirer imposes a lower limit. The engine does not infer universal hotel, fuel or car-rental pre-authorisation hold treatment. | Transactions can be declined when international flags are off, limits/balance are insufficient or the foreign ATM/acquirer/network applies restrictions. No universal accommodation/car-rental hold rule is inferred. |
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| Support / recovery | HDFC publishes card-control and customer-care recovery routes and an overseas travel-assistance number; lost-card/blocking and disputed-transaction handling remain governed by current debit-card support terms. | International card problems, loss/theft and disputes use ICICI's current card/customer-care channels; card controls should be used to disable exposed channels when appropriate. |
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