| 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 active ICICI Bank debit card linked to the relevant account; international availability and ceilings depend on card variant/account plus the customer's current card-control settings. |
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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. | The reviewed ICICI travel-use page says International is off by default. In iMobile or Internet Banking, select the debit card, open Transaction Settings, enable International for Online and/or Merchant Outlet, and set the transaction limit. |
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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. | International card settings distinguish Online and Merchant Outlet access; ATM usage is supported on eligible international debit cards and governed by the card/account and overseas ATM network. |
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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 schedule: ₹25 balance enquiry outside India; cash withdrawal outside India ₹125 + 3.5% currency-conversion charges, with applicable GST. The overseas ATM owner can also impose its own access limit/charge. |
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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. | International POS/e-commerce is available after enabling the relevant international card flags. Foreign-currency debit-card transactions are subject to the published markup; DCC applies when the transaction is denominated in INR under the bank's DCC definition. |
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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. | Current debit-card Schedule of Charges states 3.5% of transaction amount as the foreign-currency markup fee, excluding applicable GST. |
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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. | Effective 21 June 2026, the current debit-card Schedule of Charges states 3.50% + GST for DCC transactions at international locations or INR transactions with an India-located merchant registered in a foreign country. A separate current travel page still shows 1% + GST, so the conflict is exposed. |
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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. | Customer sets the international transaction limit in iMobile/Internet Banking; the bank/card maximum remains product-specific and no universal ceiling is manufactured from a single 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 be declined when international flags are off, limits/balance are insufficient or the foreign ATM/acquirer/network applies restrictions. No universal accommodation/car-rental 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. | International card problems, loss/theft and disputes use ICICI's current card/customer-care channels; card controls should be used to disable exposed channels when appropriate. |
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