| Eligible cards / accounts | Eligible Kotak deposit/current account plus an international-capable debit-card variant; fee and limit treatment can change with the account programme/card tier. | 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. |
|---|
| International activation | Kotak's current Cross Border help page lets customers check or enable International Usage in Mobile Banking under Service Requests → Debit Card → Card Control → International/Domestic Controls; Net Banking is also supported. Enabling itself is stated as free. | 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. |
|---|
| Channels | International ATM, POS/in-store and online/e-commerce use are supported on eligible debit cards, with domestic/international control state managed separately through supported digital card controls. | 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. |
|---|
| Overseas ATM | Many current Kotak savings schedules publish ₹150 per international cash withdrawal and ₹25 per international non-financial transaction; exact programme/card schedule controls, and premium variants can have different or nil bank charges. Foreign ATM/acquirer fees can still be extra. | 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. |
|---|
| POS / e-commerce | Eligible cards can be used internationally at merchants/online after international use is enabled, subject to the card's own channel and amount settings plus network/merchant acceptance. | 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. |
|---|
| Forex markup | Kotak's current debit-card terms/schedules publish a 3.5% cross-currency markup on foreign-currency debit-card transactions using the applicable Visa/Mastercard wholesale conversion rate; specific premium-card exceptions should remain tied to their own programme schedules. | 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. |
|---|
| DCC | First-party conflict preserved: several current Kotak fee pages and the May 2025 NRI GSFC publish 1% + GST DCC on INR transactions at international locations/overseas-registered merchants, while other current Kotak savings/Privy pages display 3.5% + GST. No single DCC rate is asserted bankwide until Kotak resolves the live conflict for the exact product. | 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. |
|---|
| Limits / controls | Cardholders can control international availability and card limits within product maxima. Because current card/account programmes differ, no single bankwide international daily ceiling is inferred. | 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. |
|---|
| Declines / holds | Declines can result from international/channel controls being off, customer/card limit, insufficient funds, merchant/acquirer/network restrictions or regulatory controls. Merchant/ATM operator charges and holds are separate from Kotak's own tariff. | 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. |
|---|
| Support / recovery | Kotak provides card-control and support routes through Mobile/Net Banking and customer service; lost/stolen or suspicious use should be blocked promptly through current bank channels. | 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. |
|---|