India, the fastest growing smart phone and e-commerce market in the world has always been kept apart from the international payment activities. RBI, always had and will have some rules which will create a barrier between the international world-wide e-commerce market and the Indian payment options. Today where every transaction is becoming virtual, we most Indians are not allowed to use Google Wallet (a.k.a Google Payments as Google Wallet doesn’t have full support in India) or PayPal or Skrill, world’s most popular international payment medium by our Debit Cards, provided by our beloved Banks. Even if the cards are approved by Visa or MasterCard and properly mentioned as “International Debit Card“, we still are not eligible to use them for any international transaction, only except you visit any abroad country and use your card in the ATM for some cash. But in today’s world where we live alongside with technology,  are International Debit cards only meant for that kind of International use only?

Today I will show you which Indian Banks provide international debit cards that can be user both physical international transactions as well as online international cross currency transactions. So, read the article carefully to check if your bank is one of them or not.

What should we do then

Well there some Indian Bank are still there whose debit cards are working perfectly for online international cross currency transaction. You can check the below table for the name of the bank and the kind of cards which are currently working for online cross currency international transaction. Though there are so many banks are available in India, it is not humanly or financially possible for me to check every single card by my own. The below bank and its card list is made as per my personal research and as well as as my readers’ feedback.

Bank NamesPopular Working Websites
Google PaymentsPayPalNeteller / EntropaySkrill
HDFC Bank (Read Below)YESYESPARTIALLYYES
ICICI BankYESYESPARTIALLYYES
AXIS Bank (Chip Card)YESYESYESYES
Indian Overseas Bank (EMV Platinum Debit Card)YESYESYESYES
Standard Chartered BankYESYESYESYES
IndusInd BankYESYESYESYES
Kotak Mahindra Bank (More Details Below)YESYESYESYES
CITI Bank (EMV Chip Card)YESYESYESYES
Federal Bank (VISA Gold Card)YESYESYESYES
Yes Bank (EMV Silver MasterCard)YESYESYESYES
SBI & it’s Associate BanksYESYESYESYES
Indian Bank (EMV World MasterCard)YESYESYESYES
IDBI Bank (Chip Based Intl. Debit Card)NONOPARTIALLYYES
HSBC BankNONOYESNO
Punjab National BankNONOPARTIALLYNO
Syndicate BankNONOYESNO
Karur Vysya BankNONOYESNO
Bank of Baroda (VISA EMV Chip Card)NONOYESYES
Corporation BankNONONONO
Union Bank of IndiaNONONONO
South Indian BankNONONONO
Allahabad BankNONONONO
United Bank of IndiaNONONONO
Bank of IndiaNONONONO
Central Bank of IndiaNONONONO
Bandhan bankNONONONO
Bharatiya Mahila BankNONONONO
Canara BankNONONONO
Oriental Bank Of CommerceNONONONO
Bank Of MaharashtraNONONONO
Dena BankNONONONO
Andhra BankNONONONO
Punjab & Sind BankNONONONO
UCO BankNONONONO
Vijaya BankNONONONO
* this table always keep updated as per data collected and/or contributed by visitors.
Please note  that because there are a number of banks in India, each one offering a lot of different types of cards, it is impossible for me to check all of them. So, if you find any information above is wrong or if your bank is not mentioned below but it works in the claimed sites, please let me know in the comment section below.

So, as you can see almost maximum nationalized bank does not support international transaction like Google Wallet, PayPal. I know that I was not able to add all the bank names as they are so much long, but my main objective was to give you the name of the banks whose cards will work for international transactions like Google Wallet or PayPal. As you can see most of the debit cards (except few) are allowed in PayPal India, that is because of great rules of  RBI and we can’t do anything about it. But credit cards were allowed, until RBI has made it mandetory to have 2 Layer Security on Credit Cards also. Now every newly generated credit cards must have their own 3D Secure Pin or VBV or equivalent. So that credit cards also can’t be used for international cross currency transaction.

Special Activation Process

As you can see that there are very few Indian Debit and Credit cards are allowed to do cross currency international payment as RBI is strengthening their rules regarding cross currency online payment every single day. Some bank cards needs some special activation before it can be used for online cross currency transaction. So, take a look at special activation procedure of some banks.

ICICI Bank: Previously cross currency transaction activation used to be done through calling the respective customer care of your state, but now ICICI Bank has made it even simpler. Now if you want to activate cross currency transaction on your VISA or MASTERCARD (VISA Preferred) [RuPay Cards will not work] debit card, you just have to sent an SMS from your bank registered mobile number as INTL to 5676766. Sometimes this SMS may not work properly, in those cases instead of sending just the INTL SMS, try to send INTL <LAST 4 DIGITS OF YOUR DEBIT CARD> to 5676766 from your registered mobile number.  If you do not get any conformation SMS for international usage activation after waiting for 3-4 days, please call the customer care and place a request of international usage manual activation on your card. Mention them that you have already sent this SMS but you didn’t get any activation conformation message. They will take your request and manually activate it.

ICICI Bank cards must needs to be properly activated before it can be used internationally. So, after you receive your debit card, visit your nearest ICICI ATM, change your debit card PIN and do some transaction (like withdrawing some cash). After this is done, then try to enable the international usage on your card, it will work almost immidiately.

Axis Bank: Please note that not all Axis Bank debit cards work for online international cross currency payment. Axis Bank Prime Chip Based VISA debit card has the highest accuracy rate. Beside any Axis bank chip based debit card is allowed to work for online international cross currency payment. You just have to call the customer care number and follow the IVR for the international payment activation process. Provide every details asked from the IVR and your card will be activated for international payment. You also have to wait 4 – 5 days after activation before trying it out.

IndusInd-Bank-Maximum-Platinum-Business-Plus-VISA-Debit-CardIndusInd Bank: A huge thanks to Bhangu Aman from Punjab, India for confirming that IndusInd Bank cards are working perfectly on all international websites without any hiccups whatsoever. IndusInd Bank Cards works flawlessly not only in PayPal but also in Google Play, iTuenes, Stream and in every other international merchants. Though there are different kind of Debit Cards been provided by IndusInd Bank, but I have confirmation about two cards only. So, I will highly recommend you to go with any of these two cards. As I do not have any valid confirmation about whether or not the other IndusInd bank cards are working as well on international payment gateways, I will personally suggest you not to opt for them. But if you wanna take some risk, you can always opt for the others cards and if they work as well please let me know in the comments. The two cards that I will recommend you to get is either IndusInd International Gold VISA Debit Card or IndusInd Maximum Platinum VISA Debit card.

Any savings or current account holder can apply for any of this two cards by visiting their respective branch or directly from online. The International Gold Visa Debit Card costs just ₹ 100/- per annum if you allply for this card at the time of opening your bank account. On the other hand if you visit your respective IndusInd Bank branch you will see that the Maximum Platinum VISA Debit Card has two subcategories in it. The first one is the Platinum VISA Debit Card, which costs ₹ 700/- per annum and the Maximum Platinum Business Plus VISA Debit Card, which costs ₹ 1,200/- per annum. All the IndusInd Bank cards that are mentioned here works flawlessly with every international payment gateways and also has been tested thoroughly by Bhangu Aman.

As per Bhangu, there is no special activation required for your card to be working on international payment gateways. After you receive your card you should first visit your nearest ATM to do some cash withdrawals. After this is done, wait for a few days to your card gets properly activated on Bank’s database and then you can use it on any international payment gateway you want. If you also apply for your internet banking logins along with your bank account (highly recommended), there is a section within the internet banking portal from where you can set the maximum international spending limit on your card. By default it is activated and I suggest you not to tweak with it unless you know exactly what you are doing.

Indian Overseas Bank: As per the conformation by Sreeni from Andhra Pradesh, Indian Overseas Bank’s (IOB) EMV Platinum Debit card seems to be working on all International Cross Currency payment gateways like PayPal, Google Wallet, Stripe etc. The best part is that this card comes pre-activated for all international cross currency transactions, so there is no special step to take for activating this card for international use. The best way to get this IOB EMV Platinum Debit Card is by applying for a IOB Platinum Savings Account. The initial opening balancer for this IOB Platinum Savings Account is Rs. 1,000/- with monthly Minimum Account Balance Maintenance of Rs. 750/- (with or without cheque book). Every Platinum savings account holder is applicated for the IOB EMV Platinum Debit Card. At the time of applying for this card make sure your account has sufficient balance in it (recommended more than Rs. 1,000/-). It may take 10-15 days for the EMV Platinum Debit Card to be delivered and activated. Applying for IOB EMV Platinum Debit Card may cost you Rs. 200/- extra, so keep that in mind.

Also if you have a normal savings account, you can still apply for the IOB EMV Platinum Debit Card, but for that you must need to maintain quarterly minimum account balance of Rs. 75,000/- before applying for the card.

Federal Bank: As per the conformation by Mr. Saif, Federal Bank Gold VISA Debit Card is working fine in PayPal. Now if a card works fine with PayPal, it will also work with all other international payment gateways like Google Wallet, Skrill, Neteller, iTunes, Stripe, Amazon.com and to all other international marchent website. Please note that the only conformation has been received for Federal Bank Gold VISA Debit Card so I cannot confirm that whether or not other Federal Bank cards are also working on international merchant websites or not. Personally I will suggest you to go with the Gold VISA debit card as it has been tested on international merchant websites.

Federal Bank Gold VISA Card PayPal Payment Proof

Federal Bank Gold VISA Card PayPal Payment Proof

As per the Federal Bank website, any savings or current account holder can avail this card, simply by requesting for it. As per their website the registration charge for the Gold VISA debit card is Rs. 100/-. After this Rs. 25/quarter and Rs. 50/quarter will be charged to Savings and Current account holders accordingly if they keep quarterly minimum account balance less than Rs. 5000/-. The annual fee of the card will also be reimbursed if you do a POS/e-commerce transaction of minimum Rs. 10,000/- with this card within 6 months of card activation.

The best part of this card is, just like Indian Bank EMV World MasterCard, this card also works internationally out of the box. No special activation is needed to use this card on PayPal, Google Wallet or any other international merchant website. If you currently have a Federal bank account, you can definitely try this card out.

yes-bank-silver-debit-cardYES Bank: As per the conformation by Dev Kumar, YES Bank EMV Silver MasterCard Debit Card is working fine on all international payment gateways including PayPal, Google Wallet, Amazon.com, Stripe and others. Currently I don’t have confirmation about any other YES Bank debit card but the EMV Silver MasterCard Debit Card. Personally I will not suggest you to go with any other YES Bank card as they are not tested and there is no confirmation about those other card. YES Bank EMV Silver MasterCard Debit Card also doesn’t need any special kind of activation to make it work on international payment gateways like PayPal. It comes internationally activated out-of-the-box. If you are interested about getting this card, you can checkout this debit card details & requirements online on YES Bank website.

State Bank of India [SBI & Associates] (Updated Jan 2017): SBI Debit Cards are finally working internationally. It is working fine in Google Play Store/Google Wallet, Amazon.com, PayPal, Skrill and othe international payment gateways. You can also pay your Google Play Store Developer Fee by using SBI Debit cards now. Also the best part is that you don’t need any special kind of Debit Card to make it work internationally. Any VISA or MasterCard Debit Card will just work fine (I’m personally using SBI Global International VISA Debit Card). Please note that RuPay cards will not work in online international cross currency transaction. But before you can use your SBI Debit Cards internationally, you must need to send some SMS from your account registered mobile number to enable the online international cross-currency transactions. Here are the list of SMSs you need to send from your bank registred mobile number to 09223966666.

SMS ContentExpected Result
SWON INTL [LAST 4 DIGIT OF YOUR CARD] to 09223966666An SMS from VM-SBIPSG telling you that INTL service has been activated on your card.
SWON ECOM [LAST 4 DIGIT OF YOUR CARD] to 09223966666An SMS from VM-SBIPSG telling you that ECOM service has been activated on your card.
SWON POS [LAST 4 DIGIT OF YOUR CARD] to 09223966666An SMS from VM-SBIPSG telling you that POS service has been activated on your card.

After this is done, you will be able to online international cross currency transaction with ease. In case this is a new debit card you have received, please make sure you do some ATM transactions like money withdrawal before trying to activate international cross currency transaction. In case you are wondering about some image proofs along with my personal debit card image, here are some screenshots of Google Play Store and PayPal transactions. 🙂👍😱🤘🍻

At last SBI has granted our wish and  opened the door of online cross currency international transaction using their Debit Cards. Even you can confirm your card inside PayPal too, just like any other properly working card. I’ve successfully verified my SBI Global VISA Debit Card inside PayPal (screenshot given above). So, it’s time to let go the worrying about international payment and just enjoy this. Let’s just hope SBI never block this feature in future. 🙏

Also in case you are looking for any official statement from SBI on this matter, feel free to download this PDF file which has been published officially on SBI website. In case the previous link doesn’t work, try this mirror link to download the official notification.

Indian Bank: Indian Bank EMV World MasterCard & the Customized Image Debit Card are working fine on PayPal, Google Payments, Amazon US and most other international payment gateways without any hiccups. The only problem is that due to the way Indian Bank process their bank statement, you may not see your PayPal verification code showing up on your bank statement and hence you are unable to verify your card in PayPal. But this will not stop you for using your card inside PayPal or any other site. So, feel free to use it anywhere you like. Just make sure after you receive your debit card you make some ATM withdrawals from any Indian Bank ATM, this will activate your card. But you don’t need to do anything special to activate the international usage on your card as it comes pre-activated out-of-the box. You can also apply for the Indian Bank Customized Image Debit Card directly from online by clicking here.

Kotak-Platinum-Debit-CardKotak Mahendra Bank: Kotak Mahendra Bank’s Gold Chip Debit Card,  Platinum Debit Card and the Classic VISA Chip Card are working fine in Google Payments, PayPal, Skrill and other places. If you already do not have any of the mentioned cards, then you must visit your branch and place request for it. If you bank manager ask you the reason behind opting for Gold Debit Card, you tell them you are taking the card for using it on international sites like PayPal, Google Wallet, Skrill, Amazon etc. Gold Chip Debit Cards are only available for normal Savings account holders. On the other hand if your are looking for a ZERO Balance Savings Account solution, I will suggest you to go with Kotak Bank’s new 811 Accounts. Opening 811 accounts are pretty easy. You just have to visit your nearest Kotak Bank’s branch and ask the representative for 811 Account opening forms. Technically 811 accounts are ZERO Balance, but at the time of opening your account, you must need to provide Rs. 10,000/- which you can completely withdraw after receiving your Debit Card + ATM Pin. But before withdrawing the full amount from your bank, make sure you do some ATM transactions with your card.

Prof: Kotak Mahendra Bank Gold Chip Based Debit Card

Prof: Kotak Mahendra Bank Gold Chip Based Debit Card

Currently I will not recommend you to apply for this 811 Account (successor of Jifi account as Jifi has been closed) via online process as due to the technical problems your payments may get stuck. You better visit your nearest branch and talk about it if you can open it in the manual offline way or try after few months. Hopefully by then Kotak Mahendra Bank will resolve their technical issues.

HDFC NetBanking is highly recommend to activate international usage on your card in a peaceful and problem-less manner.  The activation process without NetBanking is tedious and problematic.
Proof of HDFC Bank Debit Card working in PayPal & Google Wallet

Proof of HDFC Bank Debit Card working in PayPal & Google Payments

HDFC Bank:  Just like other banks, HDFC also has it’s own way to activate international usage on their chip based debit cards. Till today the only chip based HDFC debit card that has conformed working in PayPal, Google Payments, iTunes, Stripe, Amazon etc is HDFC EasyShop Platinum Chip Debit Card and HDFC Bank Standard International Debit Card. So, I cannot confirm you about any other HDFC debit card for international usage at this moment. But as soon as my readers confirms that any other HFDC card is also working with international usage, I will certainly update that here. Here is the gist of the activation process: Login to Netbanking > Cards > Credit/Debit Cards > Request > International Enable which I’ve explained in depth below. To activate your international usage, First you need to login to your Net Banking account. Then select the Debit Card tab from your top navigation bar.

hdfc card actication

Step 1 – HDFC Card Activation

Now from the left vertical navigation bar, please select “Set International / Domestic Use“. Then select your proper card from the drop down list shown and click “Continue” and follow the rest of the procedure properly which will be shown to your screen.

hdfc card usage

Step 2 – HDFC Card Activation

During this procedure the system might ask you some account specific security question and also generate OTP to complete the activation. After pressing continue you must select the card usage as “International Merchant Website” or anything similar to that. After you follow the process properly, it might take 24 – 48 hours to activate international usage on your card. 🙂

Some FAQ

Here are some frequently asked questions by my readers regarding online international cross currency payment and the cards. Hope this will help you to get your required answers easily.

What is 3D Secure Pin ?

3D Secure Pin is a password which you need to create to pay online through any Indian payment gateways along with those gateways which uses 2 tier authentication process. You can easily create your 3D Secure Pin from your bank website or from the supported payment gateways when you try to purchase for the first time.

Should I generate 3D Secure Pin for international usage ?

International payment gateways like Google Wallet, PayPal etc. does not allow 2 tier authentication, hence also do not support 3D Secure pin. So if you are getting a card only for using international payment, I will sugest you NOT to generate 3D Secure Pin on those card. But if you want to use your card for both national and international usage, you can FIRST add your card to all the required mediums (like Google Wallet, PayPal) and then generate your 3D Secure Pin, if you want to be in the safe side.

Can my card be used for subscription payment ?

If you are using a card which is got accepted by PayPal, you can use your PayPal account to purchase and subscription based service. It that case your card will be automatically charged after interval. So make sure what service you are purchasing before paying it through PayPal. Some site also use their own payment gateway for subscription payment, so always recheck your order before paying for it.

My bank is not listed above ?

Well as I said earlier, it is not humanly possible for me to check every single bank card by my own. If your bank name is not listed above that means no user (including myself) have ever tested this card out. So the best option is to try to purchase things by using your cards in Google Wallet, PayPal and other places. If it works then please let me know in the comment section below so that I can update the above list. If your card didn’t work, then also let me know in the comment, so other users can know about it.

Can I attach more than one bank account information in PayPal ?

Yes, you certainly can. Don’t worry, just hover on the “Profile” and select “Link/Edit Bank Account”.

Can I attach my parents/spouse bank account in PayPal ?

No, you can’t. PayPal only allows to add bank accounts which are in the name of PayPal account holder. If you want to add your parents bank account, you have to create a new PayPal account for your parents.

Can I attach my parents/spouse Debit/Credit card in PayPal ?

Yes, you can do that. PayPal only allows you to add Debit or Credit cards which are either in your name or the owner of the card is blood related to you thus having the same Surname. When you will hover to your “Profile” menu and the click on “Link/Edit Credit Card”, it will allow manually enter the First Name field of the card, but not the Last Name.

Can I pay through by bank account in PayPal ?

No, you can’t. PayPal India only allows to pay PayPal invoice through your attached Debit/Credit cards. The attached bank accounts can only be used for withdrawing your PayPal balance.

Does RuPay card works on PayPal, Google Wallet, Neteller etc?

No, you can’t use RuPay cards on PayPal. RuPay cards are issued by NPCI as a Indian brand card and to compete with VISA, MasterCard in India. This is another PM’s ‘Make inIndia’ initiative. But this card is mostly limited in Indian only. If you visit abroad with this card, specially on those countries who have signed special trade agreement with India (like China), you will be able to use this card through Discover network. NPCI has signed MoU with Discover for international usage using RuPay card on abroad. But this card will not work for online international cross currency payment, as internationally this card has no brand value and no one supports it.

Is there any other way to get a ZERO Balance Savings account with ICICI Bank?

Yes, you can apply for BSBDA (Basic Savings Bank Deposit Account) which is also a ZERO Balance savings account that Indian Government has created mainly for poor people of our society. But if the branch manager want’s he can allot you a BSBDA without any issue.

How much time does it take to get a ZERO Balance Savings account with ICICI Bank?

As ICICI is one of the largest private sector banks in India, they mostly give no attention to creating ZERO balance account and give more priority to those people who are opening account maintaining normal MAB. So, you might have to visit your branch many times, or may be sent a letter to grievance cell of ICICI if your nearest branch says that they cannot open such account.

Does all ICICI Debit Cards works?

Yes, all ICICI debit cards (except the RuPay one) will work perfectly for International Cross Currency Transaction, if you activate the feature on your card regardless of the card issuer, be it VISA or MasterCard .

What PSU Banks is best for International Transaction?

If you are looking for PSU bank card, I will always suggest you to go with Indian Bank World MasterCard Debit card that I’ve already mentioned above in my post. This card has an extraordinary success record for international transactions, be it PayPal or Google Wallet or amazon.com whatever you can think of. But as Indian Bank is a PSU bank, you must have to face employees who are slow, have zero knowledge besides the basic banking things. So, they might not have any idea about international transaction or PayPal. Also you may face a lot of questions by the branch manager when you apply for World MasterCard, like why do you need it and stuffs like that. I will suggest you to say that you are visiting abroad or some story like that. If you tried to explain them about PayPal and international transaction they might get freaked out (as they have no knowledge) and might cancel your card application.

How to know when this post has been last updated?

At the end of the post on the right corner the date you see it is actually not the date the post has been published for the first time, rather it shows the date on which this post has been last updated.

Feedback

If you feel that any information provided above is not currently working  or if you find out that any other bank is also proving this supports which are not mentioned above, please feel free to share your thoughts, feedback and opinions in the comment section below.

You can also follow me on twitter @iSaumya or subscribe to my newsletter to always stay updated with my new posts.

Published by Saumya Majumder

Passionate, Hard Worker. Love to develop new things, Singing Songs, playing computer Action Games, tweaking with computer languages, Riding Bikes, Love long driving, love books, web & Photography. You can follow me on twitter @iSaumya
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