| Eligible cards / accounts | Eligible SBI account plus an international-capable SBI debit-card variant; the reviewed Global International Debit Card is used as the numeric reference card, while other variant limits remain separate. | Eligible Axis savings/current account with an internationally valid debit card. NRI international debit use is separately tied by the reviewed terms to dues being met from an eligible NRE/NRO account; overdraft-linked international debit use is not generalized. |
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| International activation | New/replacement/renewal debit cards are enabled initially for domestic ATM/POS use; international usage and channels can be switched on/off through YONO SBI, YONO Lite, Internet Banking, SBI ATM, IVR or branch according to the reviewed security material. | Card-not-present domestic/international and card-present international transactions can be enabled/disabled through Mobile App, Internet Banking, Call Centre or branch; current account application material also points to Internet Banking/Mobile App/Call Centre for international activation/deactivation. |
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| Channels | International controls are separated by ATM, POS, e-commerce and contactless/NFC, with domestic versus international usage and customer-set limits managed independently where supported. | Controls cover card-not-present domestic/international and card-present international usage, with cumulative Online/POS/Contactless limits where specified by the bank's debit-card setup. |
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| Overseas ATM | Global International Debit Card supports worldwide ATM withdrawal; cash limit varies by ATM/country subject to a maximum foreign-currency equivalent of ₹40,000/day. Reviewed SBI tariff: balance enquiry ₹25 + GST; cash withdrawal ₹100 minimum + 3.5% of transaction amount + GST. | Current fee schedule: ₹125 per international ATM cash withdrawal and ₹25 per international balance enquiry, plus the applicable 3.5% + GST cross-currency markup on international cash withdrawal. A foreign ATM operator can impose an additional fee. |
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| POS / e-commerce | Global International Debit Card supports overseas POS and selected international online use; POS varies by country up to ₹75,000/day equivalent, while international online is capped at ₹50,000 per transaction and per month on selected supported websites. Reviewed tariff lists 3% of transaction amount + GST for international POS/e-commerce. | Eligible international debit cards work across supported Visa/Mastercard/RuPay ATM/POS networks and enabled card-not-present channels. International purchase transactions carry the current cross-currency treatment when processed in foreign currency. |
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| Forex markup | For the reviewed SBI debit-card international tariff, overseas ATM cash withdrawal carries a 3.5% transaction-amount component plus the ₹100 minimum charge, while international POS/e-commerce carries 3% of transaction amount, each plus GST. These are stored as channel-specific SBI charges, not one universal forex rate. | 3.5% + GST cross-currency markup for all international cash-withdrawal and purchase transactions in the reviewed debit-card fee schedule. |
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| DCC | The reviewed SBI debit-card charge table does not publish a separate universal Dynamic Currency Conversion fee. The engine therefore does not relabel SBI's international POS/e-commerce charge as a DCC surcharge or invent an additional DCC percentage. | 1% of transaction amount + GST when DCC converts an international POS/ATM transaction to the cardholder's home currency; Burgundy Private Debit Card is exempt from this bank DCC fee under the reviewed schedule. |
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| Limits / controls | Cardholder can set/modify ATM and POS/e-commerce limits within the card variant's prescribed maximum and switch domestic/international usage or channels on/off. Local ATM/country limits can be lower. | Default and customer-modified limits are card/account-specific. Online, POS and Contactless can operate as a cumulative limit rather than three independent ceilings under the reviewed Axis debit-card control wording. |
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| Declines / holds | Transactions can be declined by card/channel settings, available balance, the card's own limit, local-country/acquirer limit or regulatory controls. No universal SBI hotel/car-rental deposit-hold rule is inferred from the reviewed sources. | Declines can result from channel state, customer/card limit, balance, foreign-acquirer restrictions or regulatory/LRS control. Foreign ATM-owner fees are outside Axis's ₹125 fee and no universal merchant pre-authorisation hold rule is inferred. |
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| Support / recovery | SBI publishes 24x7 customer-care and unauthorised-ATM reporting routes; lost/stolen or suspicious international use should be handled through card blocking/channel controls and the bank's current support process. | Axis Mobile/Internet Banking/Call Centre/branch provide control routes; loss, compromise or disputed overseas transactions follow the bank's debit-card blocking and dispute channels. |
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