| Eligible cards / accounts | 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. | 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. |
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| International activation | 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. | 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. |
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| Channels | 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. | 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. |
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| Overseas ATM | 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. | 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. |
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| POS / e-commerce | 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. | 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. |
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| Forex markup | Current debit-card Schedule of Charges states 3.5% of transaction amount as the foreign-currency markup fee, excluding applicable GST. | 3.5% + GST cross-currency markup for all international cash-withdrawal and purchase transactions in the reviewed debit-card fee schedule. |
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| DCC | 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. | 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. |
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| Limits / controls | 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. | 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. |
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| Declines / holds | 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. | 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. |
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| Support / recovery | 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. | 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. |
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