| 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 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. |
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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. | 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. |
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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. | 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. |
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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 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. |
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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. | 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. |
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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. | 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. |
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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. | 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. |
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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. | 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. |
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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. | 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. |
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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. | 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. |
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