When you travel, you do so because you want to get away from all the chaos of daily life or maybe to relieve the workload. In order to ensure a problem-free trip, carrying a debit card is the best option. More so because carrying multiple wads of cash can be an inconvenient and risky affair. However, did you know that there are international debit cards designed especially for foreign trips? Read on to know more about that and which banks offer the best international debit cards.
What is an international debit card?
As the name suggests, an international debit card is used for making financial transactions outside the country, including cash withdrawals from ATMs. Almost all the major banks in India offer international debit cards.
Which banks offer international debit cards?
Listed below are some of the major banks that offer international debit cards, which you should
1. YES Bank (Silver and Gold)
YES Bank Gold Debit Card and World Debit Card do not ask for any extra charges if you buy fuel with your Yes Bank Debit Card. The daily shopping limit is Rs.75,000 in case of Gold Debit Cards and Rs.25,000 in case of Silver Debit Cards. However, keep in mind that your debit card must have the MasterCard logo. In case of transactions made with your debit card, you will get regular and immediate updates.
2. Axis Bank
The benefits of having an Axis Bank debit card are reward points program, fuel overcharge waivers and privileged access to the lounge. The daily cash withdrawal limit is Rs.2 lakhs and the online and retails shopping limit is Rs.6 lakhs, in case of Privee Debit card and Burgundy World Debit card. The different debit cards offered by the Axis Bank are Privee Debit card, Burgundy World Debit card, Priority Platinum Debit card, and Wealth Debit card.
3. ICICI Bank
You can withdraw money for up to Rs.15,000 per day with ICICI Bank debit cards. The ICICI Debit card can be used to carry out financial transactions on a global basis at Foreign ATMs. Any person having a Current account or a Savings account will be provided with a debit card. The retail and online cashless shopping limit is up to Rs.25,000.
4. HDFC Bank
With the EasyShop Platinum Debit card offered by HDFC bank, you will be eligible for a Free Accidental Cover up to Rs.10 lakhs and fuel overtaxes waivers. The cash withdrawal limit is Rs.1 lakh and the shopping limit is up to Rs.2.75 lakhs. Additionally, you will also get 1% cashback if you use your debit card.
With HDFC EasyShop Imperia Platinum Chip Debit card, your daily withdrawal limit and shopping limit will be Rs.1 lakh and Rs. 2.75 lakhs respectively, along with a fuel overtax waiver. You will also get 1% cashback up to Rs.750 monthly if you shop with the debit cards. The yearly fee for this debit card is Rs.750 with additional GST, which will be subtracted if you are a participant of the HDFC Bank Imperia Premium Banking Program.
Lastly, with HDFC EasyShop Titanium Royale Debit Card, you will be eligible or a Free Accidental Death Cover up to Rs.10 lakhs and you will also get 1% cash back if you shop with your debit card. The limit for daily withdrawal of cash will be Rs.75,000. Along with Fuel Overcharge waivers, you will also be eligible for accountability for damage/loss.
In order to ensure that you have a relaxing trip while travelling abroad, you must have an international debit card with yourself. This will make the financial aspect a lot easier and non-problematic for you.
What is an international debit card?
As the name suggests, an international debit card is used for making financial transactions outside the country, including cash withdrawals from ATMs. Almost all the major banks in India offer international debit cards.
Which banks offer international debit cards?
Listed below are some of the major banks that offer international debit cards, which you should
1. YES Bank (Silver and Gold)
YES Bank Gold Debit Card and World Debit Card do not ask for any extra charges if you buy fuel with your Yes Bank Debit Card. The daily shopping limit is Rs.75,000 in case of Gold Debit Cards and Rs.25,000 in case of Silver Debit Cards. However, keep in mind that your debit card must have the MasterCard logo. In case of transactions made with your debit card, you will get regular and immediate updates.
2. Axis Bank
The benefits of having an Axis Bank debit card are reward points program, fuel overcharge waivers and privileged access to the lounge. The daily cash withdrawal limit is Rs.2 lakhs and the online and retails shopping limit is Rs.6 lakhs, in case of Privee Debit card and Burgundy World Debit card. The different debit cards offered by the Axis Bank are Privee Debit card, Burgundy World Debit card, Priority Platinum Debit card, and Wealth Debit card.
3. ICICI Bank
You can withdraw money for up to Rs.15,000 per day with ICICI Bank debit cards. The ICICI Debit card can be used to carry out financial transactions on a global basis at Foreign ATMs. Any person having a Current account or a Savings account will be provided with a debit card. The retail and online cashless shopping limit is up to Rs.25,000.
4. HDFC Bank
With the EasyShop Platinum Debit card offered by HDFC bank, you will be eligible for a Free Accidental Cover up to Rs.10 lakhs and fuel overtaxes waivers. The cash withdrawal limit is Rs.1 lakh and the shopping limit is up to Rs.2.75 lakhs. Additionally, you will also get 1% cashback if you use your debit card.
With HDFC EasyShop Imperia Platinum Chip Debit card, your daily withdrawal limit and shopping limit will be Rs.1 lakh and Rs. 2.75 lakhs respectively, along with a fuel overtax waiver. You will also get 1% cashback up to Rs.750 monthly if you shop with the debit cards. The yearly fee for this debit card is Rs.750 with additional GST, which will be subtracted if you are a participant of the HDFC Bank Imperia Premium Banking Program.
Lastly, with HDFC EasyShop Titanium Royale Debit Card, you will be eligible or a Free Accidental Death Cover up to Rs.10 lakhs and you will also get 1% cash back if you shop with your debit card. The limit for daily withdrawal of cash will be Rs.75,000. Along with Fuel Overcharge waivers, you will also be eligible for accountability for damage/loss.
In order to ensure that you have a relaxing trip while travelling abroad, you must have an international debit card with yourself. This will make the financial aspect a lot easier and non-problematic for you.
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