| Eligible cards / accounts | Eligible IDFC FIRST account plus the associated debit-card variant. Savings, salary, premium and business relationship schedules may produce different ATM/POS/forex economics. | 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 | IDFC FIRST Mobile Banking and Internet Banking explicitly let users enable/disable international debit-card usage and set domestic/international daily withdrawal and purchase limits within preset limits; card activation can also use supported bank channels. | 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 | Eligible debit cards support international ATM and purchase transactions, with international enablement and purchase/withdrawal limits controlled through Mobile/Internet Banking. | 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 | Current Silver Plus Visa Platinum schedule: ₹125 cash withdrawal and ₹25 balance enquiry internationally. Qualifying zero-fee/premium programmes can waive fixed service charges, so the exact account/card schedule controls rather than this reference figure becoming bankwide. | 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 | International card purchase access is governed by the card's enabled international usage and purchase limit; the current zero-fee savings proposition distinguishes service-charge waivers from continuing forex markup. | 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 | Current Silver Plus Visa Platinum schedule publishes 3.50%. IDFC FIRST's broad savings zero-fee disclosure still says forex markup applies on international ATM/POS/debit-card transactions; some separately priced programmes may waive or alter it, so the engine retains programme scope. | 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 | No separate universal debit-card DCC fee was confirmed in the reviewed debit-card sources. The engine does not reuse IDFC FIRST credit-card DCC/currency-conversion wording for debit cards. | 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 | Mobile/Internet Banking allows customer-selected daily domestic and international withdrawal/purchase limits within preset product ceilings. Exact maxima are debit-card variant specific. | 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 | Insufficient balance, disabled international use, customer/card limits, local acquirer/network restrictions or exchange-control rules can prevent a transaction. Fixed decline charges, where any, remain schedule/programme specific. | 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 | Card activation, blocking/replacement and international controls are available through Mobile Banking/NetBanking and current support channels; disputed/unauthorised transactions follow IDFC FIRST's debit-card servicing 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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