| 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 YES BANK savings/current/NRI account with an international-capable debit card. Product/programme determines fees, forex markup and maximum limits. |
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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. | YES BANK states new debit cards are initially enabled for domestic ATM/merchant use; international usage and limits can be activated via IRIS, NetBanking/YES Online or customer care. Card-level limits are manageable through digital channels up to product limits. |
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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. | Supported international channels include ATM, POS and e-commerce; the bank's security guidance treats domestic e-commerce/contactless and international ATM/POS/e-commerce/contactless as separately controlled states on new cards. |
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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 retail examples such as YES EXPLORE, ENGAGE, APEX and Premia publish ₹175 cash withdrawal and ₹20 balance enquiry; certain other schedules/products publish different fees, including ₹150 business examples and older/NRI variants. Exact card/account schedule controls. |
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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. | International retail and online usage is available after enablement, subject to the exact card's limits and network/merchant support. Premium variants may pair this with zero cross-currency markup. |
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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: current YES EXPLORE/ENGAGE publish 3%; current APEX, Premia and Aura publish 0%, as do several selected premium/business variants. No bankwide single percentage is inferred. |
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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. | A current YES BANK Freedom Flexi business-account schedule effective 1 January 2026 explicitly publishes 1% + GST DCC for debit-card INR transactions at international locations or overseas-registered merchants. Because not every reviewed retail card page exposes DCC, the engine keeps this as schedule-scoped evidence rather than asserting it universally. |
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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 manage card usage and limits through supported channels, bounded by the debit-card product limit. International card maxima remain variant-specific. |
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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. | Disabled international/channel controls, insufficient funds, configured/product limits, overseas merchant/network restrictions or regulatory controls can cause declines. YES BANK also publishes insufficient-funds ATM decline fees on individual card pages. |
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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. | International usage can be controlled digitally; YES BANK publishes domestic and overseas/NRI customer support plus card blocking and grievance routes for unresolved issues. |
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