Best International Debit Card: If you plan to travel abroad, then International Debit Card can be very useful. Generally speaking, an international debit card can be very beneficial while traveling within the country or abroad. Almost all banks have started providing International Debit Card facilities to their customers, and many people are using and taking advantage of this facility.
Managing money while traveling within the country and abroad is very important. Because without money, you cannot afford any expenses. Especially when traveling abroad, having money in your debit card account is very important. But if you have an International Debit Card, what can be better than this in such a situation?
- 1 Best International Debit Card India
- 1.1 1. SBI Global International Debit Card
- 2 Best Debit card for International Travel
- 2.1 2. ICICI Bank Sapphiro International Debit Card
- 3 Best Debit Card for International Transactions
- 3.1 3. Axis Bank Burgundy Debit Card
- 3.2 4. HDFC Easy Shop Platinum Debit Card
- 3.3 5. HSBC Premier Platinum Debit Card
- 3.4 6. Yes World Debit Card
- 3.5 How To Avoid From Debit Card Frauds
- 3.6 Conclusion:
- 3.7 Frequently Asked Questions
Best International Debit Card India
Here are the 6 six best Indian international debit cards:
- SBI Global International Debit Card
- ICICI Bank Sapphiro International Debit Card
- Axis Bank Burgundy Debit Card
- HDFC Easy Shop Platinum Debit Card
- Yes World Debit Card
- HSBC Premier Platinum Debit Card
1. SBI Global International Debit Card
This is a contactless debit card offered by SBI in which cardholders are given reward points on every purchase. SBI Global International Debit Card is equipped with a special chip EMV. This chip provides additional and stronger security to cardholders.
With the help of this card, cardholders can do contactless shopping and get the best security facilities.
Features
- To shop at over 5.2 million merchant outlets in India and over 30 million worldwide. Book movie tickets, pay bills, travel and make online purchases over the internet.
- To withdraw cash at SBI ATMs or other ATMs in India and worldwide.
- To conduct secure online shopping and e-commerce transactions.
- The PIN will not be asked when NFC-enabled cards are used for transactions up to Rs. 5000 at NFC terminals.
- Five such contactless transactions without a PIN are allowed daily.
Rewards Points
- 2 SBI Reward Points are available for every 200 rupees shopping on this card.
- 200 Bonus Points are given on the first 3 transactions.
- This card birthday bonus is also given. You can redeem these bonus points and reward points.
Charges & Withdrawn Limits :
Banks charge annual maintenance fees of Rs. 175 + GST.
Usage Limits are given below :
| Particulars | Domestic | International |
|---|---|---|
| Daily Cash Limit at ATMs | Rs. 100 up to Rs. 40,000 | Varies from country to country. A maximum of foreign currency equivalent of Rs. 40,000 |
| POS | No limit | No such limit, but subject to local regulations |
| Online Transaction | Rs. 75,000 | Varies from country to country |
Best Debit card for International Travel
2. ICICI Bank Sapphiro International Debit Card
ICICI BankSaphiro Debit Cardcomes with a host of features. This card offers you a lot of rewards. With your Saffiro Debit Card, you can shop, travel, and do whatever you want. You need help finding the features and benefits of this debit card.
Benefits :
- With this debit card, you will get a “Dragon Pass Membership,” through which you can enjoy two international lounges and two spa sessions in select airports.
- You can get four free golf lessons if you spend Rs 50,000 shopping every month.
- With your debit card, you can earn rewards for every Rs.100 you spend on gas, utilities, and insurance.
- Earn 2 hand-picked points for every Rs.100 transacted with the card.
- For every Rs 100 spent abroad with the card, you get 4 hand-picked points.
- With your points, you can buy gadgets, meals, vacation packages, etc.
Withdrawn Limits And Charges :
The bank will charge a one-time joining fee of Rs. 1999 + 18% GST. An annual fee of Rs. 1499 + 18% GST will be charged from the second year.
| Area | Daily cash withdrawal limit at ATM | Daily purchase limit at retail outlets and on merchant websites |
|---|---|---|
| Domestic | Rs. 2,50,000 | Rs. 3,50,000 |
| International | Rs. 2,50,000 | Rs. 3,00,000 |
Best Debit Card for International Transactions
3. Axis Bank Burgundy Debit Card
Burgundy Debit Card has many features and benefits for you; where you can withdraw money through this debit card and spend it at your convenience. This debit card from Axis Bank gives you discounts on many things. You can use this debit card at any ATM without fees or charges. Apart from this, this debit card also helps you to watch movies for free and get private airport lounge access. This debit card comes with a lot of benefits.
Withdrawal Limits and other Functions:
You can withdraw up to Rs 3 lakh daily through this debit card. Apart from this, with this debit card, you are also covered with a personal accident insurance policy of up to Rs 15 lakh and an air accident insurance policy of Rs 1 crore.
| Particulars | Value |
|---|---|
| Issuance Fee | Nil |
| Annual Fee | Nil |
| POS Limit Per Day | Rs. 6,00,000 |
| Lost Card Liability | Rs. 6,00,000 |
| Daily ATM Withdrawal Limit | Rs. 3,00,000 |
| Personal Accident Insurance Cover | Rs. 15,00,000 |
| Airport Lounge Access | Yes |
| Fuel Surcharge | Zero at all Petrol pumps |
| My Design | Nil |
| Cross-currency Mark up | 3.5% will be levied on all international cash withdrawal and purchase transactions |
4. HDFC Easy Shop Platinum Debit Card
The HDFC Easy Shop Platinum Debit Card offers you a host of features. This debit card gives you immense cashback, and you can also spend that cash back. You can use this debit card for multiple purposes, like airline purchases, electronic purchases, education, tax payments, medical expenses, travel, and insurance. This debit card covers all your expenses. You can withdraw up to Rs.1000 per day at merchant establishments.
Benefits:
- You can have two complimentary visits to the Clipper lounge in India every quarter.
- You can earn cashback points if you spend Rs.200 at grocery stores, shopping malls, apparel, restaurants, or entertainment.
- You can get cashback if you spend even Rs 100 on Telecom and Utilities.
Withdrawal Limits & Key Features:
| Particulars | Value |
|---|---|
| Daily Domestic ATM Withdrawal Limit | Rs. 1,00,000 |
| Daily DefaultDomestic Shopping Limits | Rs. 5,00,000 |
| Death Cover by Air, Road, or Rail | Up to Rs. 10,00,000 |
| International Air Coverage | Rs.1 Crore on purchase of air ticket using your Debit Card |
| Loss of Checked Baggage | Rs. 2,00,000 |
5. HSBC Premier Platinum Debit Card
HSBC Premier Platinum Debit Card gives you all kinds of convenience and benefits. You can use this card anywhere; this card is also accepted internationally. You can also use this card at ATMs operated by the HSBC Group, ATMs affiliated with the Visa network, and Visa Merchant Outlets across the globe.
Resident Indians and Non-Resident Indians can apply for this Debit Card, i.e., NRIs (other than minors) and those with an available HSBC Premier Savings Account. HSBC also provides this card to NRIs who have NRO accounts.
Benefits:
- This debit card has access to HSBC’s global network of world-class financial centers.
- You can also avail of internet and mobile banking apart from 24-hour premier MobileBanking through this card.
- You can also make your children study abroad with the help of this debit card.
- The services of this debit card are available 24 hours a day in India and internationally.
- This debit card allows you to avail dining opportunities in Mumbai, Bangalore, Delhi, and Kolkata.
- Apart from these, this debit card provides you with many benefits and features.
Withdrawn Limits & Other Key Features:
The bank insures you against any credit or loss due to purchases made with your debit card. For this, you have to inform the bank within 30 days. The maximum amount covered in each card is Rs.1,00,000.
| Particulars | Value |
|---|---|
| Annual Fee | Free |
| Additional card | Free |
| Daily ATM Cash Withdrawal Limit | Rs. 2,50,000 |
| Daily Purchase Transaction Limit | Rs. 2,50,000 |
| Daily Transfer Limits | Rs. 1,50,000 |
| HSBC ATM Cash Withdrawal & balance inquiry (India) | Free |
| Non-HSBC ATM Cash Withdrawal in India | Free |
| Balance Enquiry at any non-HSBC VISA ATM in India | Free |
| Abroad ATM Cash Withdrawal | Rs. 120 per transaction |
| Overseas Balance Enquiry at any ATM | Rs. 15 per inquiry |
| Card Replacement Fee (India/Overseas) | Free |
| PIN Replacement | Free |
| Sales Slip Retrieval / Charge Back Processing Fee | Rs.225 |
| Account Statement | Monthly – Free |
| Transactions declined due to Insufficient Fundat an ATM | Free |
6. Yes World Debit Card
Yes World Debit Card offers you a host of benefits and features. You are in the right place if you are looking for lifestyle benefits and privileges. You will get many benefits through this debit card, such as free movie tickets, golf course passes, free access to domestic airport lounges, etc. YES BANK also offers YES Rewards points on domestic and international purchases.
Benefits:
- Yes World Debit Card does not charge you for withdrawing money from ATMs anywhere in India or outside India.
- You can save up to 2.5% on fuel purchases at any petrol pump through this debit card.
- This debit card entitles you to complimentary access to domestic airport lounges.
- If you buy movie tickets through BookMyShow, you get a discount of up to Rs.250.
- This debit card offers you insurance coverage for personal injury and fraudulent transactions.
Withdrawn Limits & Other Key Features:
| Particulars | Value |
|---|---|
| Daily Domestic and International Cash Withdrawal Limit | Rs. 1,00,000 |
| Daily Domestic Purchase Limit | Rs. 5,00,000 |
| Daily International Purchase Limit | Rs. 1,00,000 |
| Lost Card Liability Protection | Up to Rs. 5,00,000 |
| Purchase Protection Insurance | Up to Rs. 25,000 |
| Air Accident Death Insurance | Up to Rs. 1,00,00,000 |
| International Cash Withdrawal Charges | Rs. 120 |
| International Balance Enquiry | Rs. 20 |
| Physical PIN Regeneration Fee | Rs. 50 |
| ATM Decline due to Insufficient Funds | Rs. 25 |
| Replacement of Lost or Stolen Card | Rs. 149 |
| Cross Currency Mark up | 1.99% |
How To Avoid From Debit Card Frauds
If you travel abroad or even within the country, it is very important to be careful while using your debit card to avoid becoming a victim of fraud. There are several main rules that you should follow, which are as follows:
- PIN:The most important security rule is keeping your PIN a secret. Refrain from getting a clue of this. You never share your Debit Card or Credit Card PIN with anyone. You will try to remember your debit card PIN rather than write it down anywhere.
- CVV Number:You already know about the CVV number. CVV number is a three-digit number written on the back of your card, which is very important information. When you get the debit card, remember this CVV number or write it down in a very safe place. After doing this, you can remove it by scratching or sticking something in that place. This step encrypts your CVV, making it completely secure.
Conclusion:
International Debit Cards help you in every way. They give you the advantage of making cashless payments wherever you go, and with this, all these debit cards come with many benefits and features. It also gives you opportunities to earn a lot of Rewards Points.
Frequently Asked Questions
What are the International Debit Cards?
Top International Debit Cards
Here are the 6 six best Indian international debit cards:
– SBI Global International Debit Card
– ICICI Bank Sapphiro International Debit Card
– Axis Bank Burgundy Debit Card
– HDFC Easy Shop Platinum Debit Card
– Yes World Debit Card
– HSBC Premier Platinum Debit CardHow To Avoid From Debit Card Frauds?
There are several main rules that you should follow, which are as follows: PIN:The most important security rule is keeping your PIN a secret. CVV Number:CVV number is a three-digit number written on the back of your card, which is very important information.
How to get an international debit card?
To get International Debit Card, you have to go to your nearest bank and talk to the bank employee there regarding getting International Debit Card. You can get a debit card by following the information given by the bank.
What are the eligibility criteria for International Debit Card?
To get an international debit card, you should be between 21 years to 60 years.
What are the features of HSBC Premier Platinum Debit Card?
This debit card has access to HSBC’s global network of world-class financial centres.
You can also avail of internet and mobile banking apart from 24-hour premier MobileBanking through this card. You can also make your children study abroad with the help of this debit card. Apart from these, this debit card provides you with many benefits and features.
