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Global Acceptance

International Credit Cards

Swipe with confidence worldwide. Explore credit cards offering global merchant acceptance, low foreign exchange markups, and dedicated emergency assistance networks.

Global Acceptance

Swipe securely at millions of POS merchant counters and online portals internationally across 200+ countries.

Fraud Liability Covers

Enjoy zero-liability insurance protections against unauthorized foreign transactions or lost physical card frauds.

Emergency Assist

Access 24/7 global customer care lines, emergency card replacement services, and emergency cash dispatch abroad.

RBI Mandate

Card Controls & Limits

Under RBI safety directives, all international transactions (POS swipe, ATM cash, online) are disabled by default. You can enable them instantly, adjust transaction limits, or disable them after use inside your mobile banking application.

  • ✔ Safe one-tap activation/deactivation
  • ✔ Customizable online foreign spend limits
  • ✔ Real-time international push notifications
Travel Privileges

Global Card Guidelines

An international credit card allows you to make payments in foreign currencies securely. Familiarize yourself with these core aspects:

  • International Networks: Ensure your card operates on global payment networks like Visa (Signature/Infinite), Mastercard (World/World Elite), or RuPay Global (linked with Discover/Diners Club).
  • Markup Fees: Standard credit cards charge a currency conversion fee (usually 3.5% of the swipe amount) to settle foreign transactions in INR. Choose low-markup cards to save fees.
  • Dynamic Currency Conversion (DCC) Pitfall: Avoid choosing to pay in Indian Rupees (INR) at foreign POS terminals. Doing so triggers DCC fees, costing up to 5-7% in hidden conversions. Always pay in local currency.
FAQs

Frequently Asked Questions

Find immediate answers regarding international credit card operations.

What is an international credit card?

An international credit card is a card issued by an Indian bank that is authorized to make payments in foreign currencies. You can swipe it at retail shops abroad or use it to pay on international shopping websites online.

How do I activate international usage on my card?

Log in to your bank's mobile banking app, go to "Card Settings" or "Manage Cards", select "Transaction Controls", and toggle on "International Transactions". You can set custom spending limits for added security.

What is a foreign currency markup fee?

When you execute transactions in a currency other than Indian Rupees (INR), the bank charges a conversion processing markup fee (ranging between 1.5% to 3.5% + GST) to convert the foreign amount into INR for statement settlement.

Unlock Global Spending Privileges Today

Apply for premium international credit cards online with instant digital processing.