| 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 HDFC Bank account plus an international-capable HDFC debit card. The current control/limit table marks RuPay PMJDY and NRO debit cards as domestic-only, so international capability is variant-specific. |
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| 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. | Online, contactless and international debit-card functionality can be disabled by default/inactivity. HDFC allows re-enabling and limit changes through NetBanking and other supported card-control channels including MobileBanking/MyCards/IVR routes described in current bank material. |
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| 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. | Card controls separate international ATM, POS, online/e-commerce and contactless usage, with daily domestic and international usage/limit settings. |
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| 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. | Reviewed key-fact sheet lists, for the stated non-managed segment, ₹25 + taxes per international ATM balance enquiry and ₹125 + taxes per international ATM cash withdrawal plus the applicable cross-currency markup. |
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| 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 international debit cards can be enabled for overseas POS and online use. Current maximum daily shopping limits are card-variant specific and are expressed as combined domestic + international ceilings. |
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| 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. | 3.5% + taxes on foreign-currency debit-card transactions in the reviewed key-fact sheet; Infiniti receives a preferential 0.99% cross-currency markup. Network wholesale exchange rate at transaction/merchant settlement is the stated conversion basis. |
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| 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. | With effect from February 2025, HDFC's debit-card key-fact sheet states a 1% + taxes DCC markup on transactions carried out in INR at an international location or at an India-located merchant registered overseas. DCC and FCY are classified by the network. |
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| 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. | Current post-31-August-2026 variant maxima include Infiniti ₹2 lakh ATM/₹10 lakh shopping, Platinum ₹1 lakh/₹5 lakh, Regular/Classic ₹25,000/₹2.5 lakh and Millennia ₹50,000/₹3.5 lakh daily, with customers able to hold lower self-set limits. |
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| 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. | A transaction can fail because international/channel use is off, the customer-set/variant limit is exceeded, the card is domestic-only or the overseas acquirer imposes a lower limit. The engine does not infer universal hotel, fuel or car-rental pre-authorisation hold treatment. |
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| 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. | HDFC publishes card-control and customer-care recovery routes and an overseas travel-assistance number; lost-card/blocking and disputed-transaction handling remain governed by current debit-card support terms. |
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