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 Names||Popular Working Websites|
|Google Payments||PayPal||Neteller / Entropay||Skrill|
|HDFC Bank (Read Below)||YES||YES||PARTIALLY||YES|
|AXIS Bank (Chip Card)||YES||YES||YES||YES|
|Indian Overseas Bank (EMV Platinum Debit Card)||YES||YES||YES||YES|
|Standard Chartered Bank||YES||YES||YES||YES|
|Kotak Mahindra Bank (More Details Below)||YES||YES||YES||YES|
|CITI Bank (EMV Chip Card)||YES||YES||YES||YES|
|Federal Bank (VISA Gold Card)||YES||YES||YES||YES|
|Yes Bank (EMV Silver MasterCard)||YES||YES||YES||YES|
|SBI & it’s Associate Banks||YES||YES||YES||YES|
|IDBI Bank (Chip Based Intl. Debit Card)||NO||NO||PARTIALLY||YES|
|Punjab National Bank||NO||NO||PARTIALLY||NO|
|Karur Vysya Bank||NO||NO||YES||NO|
|Bank of Baroda (VISA EMV Chip Card)||NO||NO||YES||YES|
|Union Bank of India||NO||NO||NO||NO|
|South Indian Bank||NO||NO||NO||NO|
|United Bank of India||NO||NO||NO||NO|
|Bank of India||NO||NO||NO||NO|
|Central Bank of India||NO||NO||NO||NO|
|Bharatiya Mahila Bank||NO||NO||NO||NO|
|Oriental Bank Of Commerce||NO||NO||NO||NO|
|Bank Of Maharashtra||NO||NO||NO||NO|
|Punjab & Sind Bank||NO||NO||NO||NO|
* this table always keep updated as per data collected and/or contributed by visitors.
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.
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: 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.
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: 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 Content||Expected Result|
|SWON INTL [LAST 4 DIGIT OF YOUR CARD] to 09223966666||An SMS from VM-SBIPSG telling you that INTL service has been activated on your card.|
|SWON ECOM [LAST 4 DIGIT OF YOUR CARD] to 09223966666||An SMS from VM-SBIPSG telling you that ECOM service has been activated on your card.|
|SWON POS [LAST 4 DIGIT OF YOUR CARD] to 09223966666||An 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 Cards has stopped working on PayPal and only working in some selective international places like Google Payments, Entropay etc. This card is no more recommended to anyone.
Kotak 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.
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 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.
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.
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. 🙂
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 ?
Should I generate 3D Secure Pin for international usage ?
Can my card be used for subscription payment ?
My bank is not listed above ?
Can I attach more than one bank account information in PayPal ?
Can I attach my parents/spouse bank account in PayPal ?
Can I attach my parents/spouse Debit/Credit card in PayPal ?
Can I pay through by bank account in PayPal ?
Does RuPay card works on PayPal, Google Wallet, Neteller etc?
Is there any other way to get a ZERO Balance Savings account with ICICI Bank?
How much time does it take to get a ZERO Balance Savings account with ICICI Bank?
Does all ICICI Debit Cards works?
What PSU Banks is best for International Transaction?
How to know when this post has been last updated?
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.
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