| Eligible cards / accounts | Eligible YES BANK savings/current/NRI account with an international-capable debit card. Product/programme determines fees, forex markup and maximum limits. | Eligible IndusInd account plus international-capable debit card; exact card variant/account programme determines markup, limits and fees. |
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| International activation | YES BANK states new debit cards are initially enabled for domestic ATM/merchant use; international usage and limits can be activated via IRIS, NetBanking/YES Online or customer care. Card-level limits are manageable through digital channels up to product limits. | IndusInd says newly issued debit cards are domestic POS/ATM only by default. International ATM/POS/ECOM/NFC and related transaction states can be enabled/disabled through IndusMobile, IndusNet, IndusInd ATM, phone banking or branch, with limits configurable through supported channels. |
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| Channels | Supported international channels include ATM, POS and e-commerce; the bank's security guidance treats domestic e-commerce/contactless and international ATM/POS/e-commerce/contactless as separately controlled states on new cards. | The card-control system distinguishes International POS, ATM, ECOM, NFC/contactless and tokenisation; MOTO/standing-instruction contexts are also treated separately where available. |
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| Overseas ATM | Current retail examples such as YES EXPLORE, ENGAGE, APEX and Premia publish ₹175 cash withdrawal and ₹20 balance enquiry; certain other schedules/products publish different fees, including ₹150 business examples and older/NRI variants. Exact card/account schedule controls. | Current Indus Green/current-account schedules publish ₹125 cash withdrawal outside India and ₹20 balance enquiry as account/card references. Exact debit-card/account schedule remains controlling, and foreign ATM operators may levy additional charges. |
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| POS / e-commerce | International retail and online usage is available after enablement, subject to the exact card's limits and network/merchant support. Premium variants may pair this with zero cross-currency markup. | Eligible cards support international POS/e-commerce when the respective channels are enabled. Foreign POS may or may not require a PIN, and international e-commerce may or may not use an OTP depending on the overseas merchant/network flow. |
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| Forex markup | Variant-specific: current YES EXPLORE/ENGAGE publish 3%; current APEX, Premia and Aura publish 0%, as do several selected premium/business variants. No bankwide single percentage is inferred. | Current IndusInd Visa Platinum Debit Card publishes 2% cross-currency markup. INDIE publishes 2% for Star/Super Star and no exchange-rate markup for the qualifying Signature Debit Card under Mega Star; card/programme scope is preserved. |
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| DCC | A current YES BANK Freedom Flexi business-account schedule effective 1 January 2026 explicitly publishes 1% + GST DCC for debit-card INR transactions at international locations or overseas-registered merchants. Because not every reviewed retail card page exposes DCC, the engine keeps this as schedule-scoped evidence rather than asserting it universally. | No separate current universal debit-card DCC fee was confirmed in the reviewed IndusInd debit-card sources. The engine does not copy IndusInd credit-card DCC pricing into debit cards. |
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| Limits / controls | Customers can manage card usage and limits through supported channels, bounded by the debit-card product limit. International card maxima remain variant-specific. | Current Visa Platinum reference: ₹1 lakh ATM and ₹2 lakh POS. IndusInd allows customers to set lower limits, and published international limits vary by card/chip variant; no bankwide international maximum is synthesized. |
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| Declines / holds | Disabled international/channel controls, insufficient funds, configured/product limits, overseas merchant/network restrictions or regulatory controls can cause declines. YES BANK also publishes insufficient-funds ATM decline fees on individual card pages. | A disabled channel, lower customer-set limit, card maximum, insufficient funds, merchant/network rule or regulatory control can cause a decline. Foreign merchant deposits/holds are not assumed to follow one universal IndusInd rule. |
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| Support / recovery | International usage can be controlled digitally; YES BANK publishes domestic and overseas/NRI customer support plus card blocking and grievance routes for unresolved issues. | Card controls and blocking are available through IndusMobile/IndusNet/ATM/phone banking/branch; unauthorised transactions can be reported through the bank's current support process. |
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