10 Best International Debit Cards in India
International debit cards can prove to be extremely convenient when travelling abroad. With these cards, you can access ATMs anywhere in the world and forget the inconvenience of converting currencies.
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It is better to rely predominantly on debit cards rather than carrying cash or even credit cards. No matter where you go, ATMs can be easily accessed. Debit cards are a good choice if you would rather use cash in your savings account.
Top 10 International Debit Cards Offered by Indian Banks
Card Name | Annual Fee | Benefits on International Travel |
SBI Global International Debit Card | Rs.125 | Globally accepted Daily international POS limit: Rs.75,000 |
SBI Platinum International Debit Card | Rs.250 | Globally accepted Daily international POS limit: Rs.2 lakh |
InterMiles HDFC Bank Signature Credit Card | Rs.500 | Earn 4 InterMiles on every ₹150 spent internationally Insurance cover up to Rs.25 lakh |
Axis Bank Burgundy Debit Card | Nil / Rs.1,500 for non-Burgundy account holders | Free ATM cash withdrawals abroad 6 EDGE REWARDS on every Rs.200 spent internationally |
ICICI Bank Sapphiro International Debit Card | Rs.1,999 | 8 reward points on every Rs.200 spent internationally Daily international POS limit: Rs.3 lakh |
YES First World Debit Card | Nil | Complimentary lounge access benefits |
HSBC Premier Signature Debit Card | Nil | Contactless payment restrictions of Rs.2 lakh every day. According to RBI regulations, the contactless transaction maximum is Rs.5,000. |
BOB Visa Platinum international Debit Card | Nil | Enjoy a purchase limit of Rs.2 lakh on a daily basis |
PNB VISA Signature Debit Card | Rs.2,000 | A concierge is available around-the-clock to help with reservations for hotels, flights, and other services. |
PNB VISA Classic Card | Nil | You can use the PNB Credit Card for almost any planned or impulsive financial need, including shopping, dining out, vacationing, filling up your car, and booking train tickets. |
State Bank of India International Debit Cards
SBI GLOBAL International Debit Card
- The cardholders can do shopping of more than Rs.6 lakh merchant outlets in India and more than 30 million across the world. In addition, the card also offers reward points on the amount spent on travel, dining, fuel, etc.
- Cashless shopping with SBI Global International Debit Card can fetch you FreedomRewardz points. You get one point every time you spend INR 200 using your card.
- The card contains an EMV chip that offers additional security.
- 50 bonus reward points on the first transaction within the first 31 days of the issuance of the card.
- 50 bonus SBI rewards points on the second purchase.
- Another 100 bonus SBI rewards points of the third purchase on the first 31 days.
Usage Limits & other particulars:
SBI Global International Debit Card | Max/Min | National | Global |
Withdrawal limit at ATMs per day | Minimum | Rs. 100 | Differs from ATM to ATM |
Maximum | Rs. 40,000 | Different for different country (No more than the overseas currency equal to INR 40,000) | |
Cashless shopping limit (Online and PoS) per day | Minimum | No limit | No limit specified but dependent on local regulations |
Maximum | INR 75,000 | Different for different country (No more than the overseas currency equal to INR 75 grands) |
Fees & Charges for issuing and yearly maintenance:
Particulars | Fees/Charges |
Charges levied for issuing the card | Zero |
Maintenance charges levied per annum | Rs. 125 plus applicable GST |
Charge levied to replace the card in case of loss or damage | Rs. 300 plus applicable GST |
State Bank GOLD International Debit Card
- Can shop at more than 52 lakh merchant outlets in india and 30 Million outlets across the world.
- Cashless shopping with SBI Gold International Debit Card can fetch you FreedomRewardz points.
- You get two points every time you spend Rs. 200 using your card.
- If you keep using your State Bank Gold International Debit Card for the birthday month, the points earned will be doubled.
- The State Bank Gold International Debit client is entitled to complimentary insurance cover of up to INR 2 lacs (only for accidental demises).
SBI PLATINUM International Debit Card
- Can shop at more than 52 lakhs domestic mercantile as well as over 30 Million outlets across the globe.
- Earn 2 SBI Reward points on every time you spend Rs. 200 using your card.
- Your will earn you additional 200 points for the first three transaction. This is applicable only if you shop this in the first month of getting the card issued.
- If you keep using your SBI PLATINUM International Debit Card for the birthday month, the points earned will be doubled.
- Your assimilated FreedomRewardz Points can be exchanged for awesome gifts listed in the bank’s reward catalogue.
- The SBI platinum debit card is also endowed a purchase cover for mugging / damage up to three months from the day you bought the item(s) of up to INR 50,000.
HDFC EasyShop Platinum Debit Card
HDFC EasyShop Platinum Debit Card is another popular international debit card which makes your spending easy by offering cash back. You can use this card for different shopping needs like education, electronics, airlines, medical, insurance, travel, and tax payments.
Benefits
Given below are the benefits of HDFC EasyShop Platinum Debit Card:
- Two complimentary access to domestic clipper lounges per quarter.
- Zero surcharge on fuel purchases.
- Cashback on every Rs.200 spent on supermarket, groceries, entertainment, and restaurants.
Find info about HDFC Savings Account, HDFC Debit Card
ICICI Bank Sapphiro International Debit Card
ICICI Bank Sapphiro International Debit Card is one of the best international debit card which is launched to offer high end value through different rewards points as well as on going benefits.
Benefits
Given below are the benefits of ICICI Bank Sapphiro International Debit Card:
- When a minimum of two tickets are purchased
- This deal is only available once a month.
- The tickets will have a maximum discount of Rs. 200 per purchase.
- ICICI Bank will control the daily quota for this offer, which is available on a first-come, first-served basis.
- Offer is good for reservations at the INOX Movies Multiplex Box Office and for tickets bought online at inoxmovies.com.
- Each card may enter participating airport lounges up to four times per calendar quarter for free.
- Transactions made on ICICI Bank swipe machines at specific government fuel stations would not be subject to the fuel surcharge.
Charges
The debit card holder should pay the joining fee of Rs. 1,999 + 18% GST for the first year. Apart from this, an annual fee of Rs.1,499 +18% GST will be charged on the second year.
Axis Bank Burgundy Debit Card
You can benefit from larger withdrawal and purchase limits with the Axis Bank Burgundy Debit Card. The contactless feature of the card makes shopping more secure. The bank provides complimentary ATM withdrawals from any of its ATMs across the world.
Withdrawal Limit of Axis Bank Burgundy Debit Card
You can get a daily cash withdrawal limit Rs.3 lakh and purchase limit of Rs.6 lakh. Apart from this, it also offers personal accident insurance cover worth Rs.15 lakh as well as air accident cover worth Rs.1 crore.
YES First World International Debit Card
EMV Yes First World Debit Card is the best option if you want access to domestic airport lounges for free, a discount on cinema tickets, golf course passes, and other lifestyle advantages. On domestic purchases, the bank offers guaranteed YES Reward Points, while on international ones, it offers expedited Reward Points.
Benefits of EMV Yes First World Debit Card
- Unlimited ATM withdrawals at the ATMs which accept MasterCard.
- Exclusive welcome offer up to 2.5% on fuel purchase.
- Get green fee waiver to get the access of selected premium golf courses in India.
- Insurance coverage for personal as well as fraudulent transactions.
HSBC Premier Platinum Debit Card
You can benefit from convenience and perks on a variety of purchases with the internationally accepted debit card. You have access to ATMs owned by the HSBC Group, ATMs linked to the Visa network, and visa merchant locations all over the world. This HSBC debit card can be applied for by residents and non-residents who have HSBC Premier Savings Accounts (excluding children). Customers from outside of the country who have NRO accounts with HSBC India are given domestic debit cards.
Benefits of HSBC Premier Platinum Debit Card
Given below are the benefits of HSBC Premier Platinum Debit Card:
- 24/7 international concierge services.
- Get 24 hours premier phone banking including mobile banking and internet banking.
- Exciting dining privileges at Kolkata, Delhi, Bangalore, and Mumbai.
Withdrawal Limits of HSBC Premier Platinum Debit Card
The bank provides insurance against any financial obligations resulting from purchases made with your debit card. Make sure you notify the bank of the loss within 30 days. A card may have a maximum insurance of Rs.5,00,000.
BoB Visa Platinum International Debit Card
The Bank of Baroda Visa Platinum DI Debit Card is a premium variant of the VISA debit card with a higher cash withdrawal limit at ATMs and online or retail shopping transactions. It broadens the product range of a customer. The debit card has Near Field Communication (NFC) technology which allows contactless transactions, and this is only applicable for retail transactions at places accepting contactless transactions. National Financial Switch member banks have more than 1.8 lakh ATMs in India for this card.
Benefits
- The cash withdrawal limit of this platinum variant debit card is up to Rs.50,000 per day, and it can be used worldwide to withdraw cash from VISA member Bank ATMs with the VISA logo.
- The Visa Platinum DI Debit Card gives you a quick and easy shopping experience and dining out experience at various outlets accepting VISA cards across the globe.
- The debit card has a purchase limit of Rs.2,00,000 daily for retail shopping.
- This debit card enables tap-and-pay service with a limit of Rs.5,000, which can be used for domestic and international transactions at places that accept contactless payments.
PNB VISA Signature International Debit Card
The Punjab National Bank (PNB) VISA Signature Debit Card is a one-of-a-kind premium debit card that offers a high transaction limit, exclusive rewards and multiple privileges to its affluent customers. It also provides insurance coverage and emergency travel services.
Benefits
- Retailers and ATMs across the globe accept PNB VISA Signature cards.
- Customer service is provided on priority to the cardholders 24x7.
- In case you lose the card, it is blocked immediately and is replaced within 24 hours.
- You get 24x7 concierge services for travel bookings, buying gifts, etc.
- The debit card also provides access to specific airport lounges.
- You can do contactless transactions worldwide with the help of NFC technology.
PNB VISA Classic International Debit Card
The PNB VISA Classic Debit Card is one of the most popular cards. It can be used at ATMs, retailers and e-commerce platforms worldwide. It offers 24x7 assistance in case of emergency. The card is mainly used for shopping, dining out and travelling.
Benefits
- The PNB VISA Classic Debit Card is accepted worldwide.
- Accepted at more than 29 million merchant locations and more than 1 million VISA ATMs worldwide, as well as at more than 3,80,000 merchant premises and more than 30,000 VISA ATMs in India.
- The PNB debit card provides exclusive offers for shopping at certain retail establishments.
- VISA Global Customer Assistance Services (GCAS) provides 24x7 assistance on priority.
GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.
FAQs on International Debit Cards
- Are there any maximum transaction limits for the cards?
The limits for domestic and international withdrawals and purchases are distinct for each card.
- Do international debit cards have CVV numbers?
Yes. International debit cards have CVV numbers at the back side of the card.
- Do these international debit cards offer reward points?
International debit cards provide more reward points than standard debit cards do. This is primarily due to the fact that these cards are frequently used abroad and for high-value transactions.
- Can debit cards be used in foreign countries?
Not all debit cards can be used at foreign countries.
- How can I get an international debit card?
You can apply for an international debit card at the nearest branch of your bank or do it online. You can also enable international usage on your local debit card if that facility is available on your card.
- What is the eligibility criteria to get an international debit card?
To get an international debit card, you should be between 21 to 60 years of age.
- Which debit cards are more accessible internationally?
Visa and Mastercard are accepted worldwide and are prevalent international payment networks.
- Are there any additional charges on international debit cards as compared to local debit cards?
You may have to pay additional charges on your international debit card. The charges may vary from bank to bank.
- Which is the cheaper way of money transactions in a foreign country, a debit card or a credit card?
It is cheaper to use debit cards in a foreign country as there may be additional charges on credit card transactions usually.
- What is more convenient, withdrawing money from an ATM or paying directly with a debit card?
In some foreign countries, withdrawals with your credit card are not subjected to any additional charges. While in some foreign countries, payment through your international debit card is cheaper than withdrawals.
- Can you withdraw money in the local currency in the ATMs with international debit cards?
You can withdraw cash from an ATM in the local currency abroad. But in doing so, your bank may charge ATM fees and foreign transaction fees.
- What happens if I use my debit card internationally?
When used internationally, your card converts the amount into local currency, and foreign transaction fees may apply.
- Should I travel internationally with a debit card?
Yes, you must carry your debit card for international trips to access your fund easily. You need to activate international transaction service for your card to avail yourself of this facility.
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