| 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 IndusInd account plus international-capable debit card; exact card variant/account programme determines markup, limits and fees. |
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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. | 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 | Eligible debit cards support international ATM and purchase transactions, with international enablement and purchase/withdrawal limits controlled through Mobile/Internet Banking. | 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 | 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. | 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 | 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/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 | 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. | 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 | 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. | 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 | Mobile/Internet Banking allows customer-selected daily domestic and international withdrawal/purchase limits within preset product ceilings. Exact maxima are debit-card variant specific. | 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 | 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. | 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 | 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. | 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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