| 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 Canara savings/current account with a global-capable debit-card variant. Current feature matrix says International/Global usage can be activated for supported variants and is not applicable to PMJDY. |
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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. | Global usage is blocked by default and can be enabled through Mobile Banking, Internet Banking or the base branch under the reviewed policy/current product material. |
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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. | Eligible cards support ATM cash withdrawal, POS and e-commerce, with channel enable/disable and limit setting through digital banking or branch according to the current variant feature material. |
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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. | Eligible international debit variants support ATM use subject to card/network/acquirer availability, but the reviewed current debit-card service-charge section does not provide one universal Canara overseas-ATM fixed fee. The engine does not copy prepaid-travel-card ATM prices into debit cards. |
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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 Canara debit cards support international POS/e-commerce after global usage activation. Current daily maximums depend on card variant rather than one global bank ceiling. |
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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. | No one universal ordinary-debit-card foreign-currency percentage was confirmed in the reviewed debit-card fee section. A note says only markup fee applies to international transactions on Virtual Debit Card, but the amount is not generalized; credit-card 'up to 3%' and prepaid-card 3% rates are deliberately excluded. |
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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. | No current standalone ordinary Canara debit-card DCC fee was confirmed in the reviewed sources, so the engine records DCC as not separately published rather than inferring it from another Canara card product. |
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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. | Current reference variants: Mastercard Platinum ₹1 lakh ATM/day and ₹5 lakh POS/e-commerce/day; Mastercard Standard ₹75,000 ATM/day and ₹2 lakh POS/e-commerce/day. Customer/channel controls remain bounded by the exact card variant. |
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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. | Transactions can fail because global/channel access is off, the variant does not support international use, the configured/variant limit is exceeded, balance is insufficient or the overseas acquirer/network imposes a restriction. |
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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. | International-control changes are available through Mobile/Internet Banking or branch; lost-card, blocking and disputed transaction handling remain governed by Canara's current debit-card support process. |
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