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International Debit Cards – Features, Benefits, Fees & Charges

Home Debit Card – Types, Features, Benefits, How it Works International Debit Cards – Features, Benefits, Fees & Charges

Similar to credit cards, various banks offer debit cards for international usage, specifically benefiting individuals who frequently travel abroad. These international debit cards come along with features, such as incremental reward points on international spends, travel discounts, lounge access, and other related factors. Some of these debit cards might also offer you a low forex markup and cash withdrawal fee along with free international lounge access benefit.

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Updated: 16-07-2025 05:47:09 AM

 

International Debit Cards
Top Debit Cards for International Use Top Credit Cards for International Use
Things to Know FAQs


Top 5 Debit Cards for International Usage in July 2025

Some of the top debit cards in India with considerable benefits on international use are as follows:

Debit Card Annual Fee Benefits on International Travel
SBI Global International Debit Card Rs. 125 + GST
  • Globally accepted
  • Daily international POS limit of Rs. 75,000
SBI Platinum International Debit Card Rs. 250 + GST
  • Globally accepted
  • Daily international POS limit of Rs. 2 Lakh
Axis Bank Burgundy Debit Card Nil/Rs. 1500 for Non-burgundy account holders
  • Free ATM cash withdrawals abroad
  • 6 EDGE REWARDS on every Rs. 200 spent internationally
ICICI Bank Sapphiro International Debit Card Rs. 1999 + GST
  • 8 reward points on international transactions on every Rs. 200 spent
  • Daily international shopping limit of Rs. 3.5 Lakh
Niyo SBM Global Debit Card Nil
  • Zero forex markup
  • International lounge access
  • 1 Free international ATM withdrawal per quarter

Best Credit Cards in India | Check Eligibility & Apply Online for Top Cards

SBI Global International Debit Card
SBI Platinum International Debit Card
Axis Bank Burgundy Debit Card
ICICI Bank Sapphiro International Debit Card
Niyo Global Debit Card
What to Consider When Choosing an International Debit Card?
Best Credit Cards for International Use
FAQs

SBI Global International Debit Card

The key features that you can avail while using the SBI Global International Debit Card are as follows:

  • Globally accepted for online transactions as well as cash withdrawals 
  • Get 2 Reward Points per Rs. 200 spent online or in-store, on shopping, dining out, fuel, travel and more
  • Earn 1,000 Bonus Reward Points on PoS and E-comm spends of Rs. 1 lakh or more in a month
  • Activation bonus of 300 points on first 3 transactions within 2 months of issuance
  • 2X Reward Points on international spending, online or in-store
  • 2X points on all purchases made during your birthday month
Daily Cash Limit at ATMs Rs. 40,000 (Domestic & International)
Daily Point of Sales/ Online Transaction Limit Rs. 75,000 (Domestic & International)
Online Transaction limit of Rs. 50,000 internationally

SBI Platinum International Debit Card

Features of SBI Platinum International Debit Card are as follows:

  • Globally accepted at all POS and ATM for online transactions and cash withdrawals
  • 300 bonus reward points on making the 3 purchase transactions within 2 months of issuance
  • 2 reward points for every Rs. 200 spent on  shopping, dining, fuel, travel, or online transactions
  • Double rewards on birthday month
  • 2x Reward Points on international spending, online or in-store
Daily Cash Limit at ATMs Rs. 1 Lakh (Domestic & International)
Daily Point of Sales/Online Transaction Limit Rs. 2 Lakh (Domestic & International)
Online Transaction limit of Rs. 50,000 internationally

Axis Bank Burgundy Debit Card

The benefits offered by this Axis bank debit card are listed below:

  • Free ATM cash withdrawal in India and abroad
  • Buy one get one offer on BookMyShow
  • Dining discounts via Axis Bank Dining Delights Program with EazyDiner
  • Personal accident insurance cover of Rs. 15 Lakh, Air accident insurance cover of Rs. 1 Lakh
  • 3 complimentary lounge visits per quarter
  • 2 reward points on every Rs. 200 spent domestically and 6 reward points on every Rs. 200 spent internationally
Daily Cash Withdrawal Limit Rs. 3 Lakh
Daily Purchase Limit Rs. 6 Lakh

Note: Cross currency mark-up of 3.5% shall be charged on ATM withdrawals abroad.

ICICI Bank Sapphiro International Debit Card offers several features and benefits suitable for international travel, listed as follows:

  • 25% discount up to Rs. 200 per month on movie tickets booked through BookMyShow
  • 25% discount up to Rs. 100 twice a month on movie tickets purchased at INOX Movies multiplexes
  • 4 Complimentary airport lounge access per quarter on minimum spending of Rs. 3000 in previous quarter
  • Earn 4 ICICI Bank Reward Points on domestic and 8 ICICI Bank Reward Points on international transactions on every ₹200 spent using your ICICI Bank Sapphiro Debit Card.
Daily ATM Cash Withdrawal Limit Domestic: Rs. 1.5 Lakh International: Rs. 2 Lakh
Daily Shopping Limit Domestic: Rs. 7.5 Lakh International: Rs. 3.5 Lakh

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Niyo Global Debit Card

Niyo Global Debit Card issued by SBM bank is a visa signature debit card and used as a travel forex card with benefits inclined towards forex markup, lounge access, etc. The features of this card are as follows:

  • Joining Fee: Nil
  • Card Issuance charge: Nil
  • Zero forex markup fee on international transactions
  • Forex Cash delivery
  • Load INR in 130+ currencies across 180+ countries
  • Free international airport lounge access on quarterly international spends of Rs. 50,000
  • ATM withdrawal charges: Rs. 423 + GST
  • Annual Maintenance Charge: Rs. 423 + GST waived on AMB of Rs. 5,000 (savings a/c or FD) in the 3 months before your account anniversary, w.e.f. 1st July 2025.

What to Consider When Choosing an International Debit Card?

Many debit cards are accepted globally and can be used for international transactions. However, to make your international transactions more rewarding and to increase your savings, you must choose the card which offers more comprehensive international benefits. To do so, you must keep in mind the following aspects while getting your next card for international use:

  • Zero or low foreign exchange mark-up charges
  • Acceptance at foreign outlets for both online and offline transactions
  • Accelerated rewards on international spends
  • Complimentary domestic and international lounge access at airports across India, as well as other countries
  • Discounts on flight and hotel bookings
  • Higher card usage limits for cash withdrawal and other spends

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Best Credit Cards for International Use

Credit cards offer a wider range of rewards and benefits as compared to debit cards on international spends and travel. Given below are some of the best credit cards for international travel with their annual fee and key features:

HDFC Infinia Credit Card

infinia-credit-card
4/5

Joining fee: ₹12500

Annual/Renewal Fee: ₹12500

Unlimited airport lounge access for primary and add-on members

10x reward points on travel and shopping spends on Smartbuy

Travel
Lounge Access
Reward Points
Check Eligibility

Product Details

  • 1 RP = 1 Air Mile or Rs. 1 for travel bookings, Apple products and Tanishq vouchers purchased via SmartBuy
  • Invite-only card with Club Marriott membership and 12,500 reward points on card activation & renewal
  • 5 reward points on every Rs. 150 spent, including spends on insurance, utilities and education​
  • Access to unlimited golf games and lessons across premium golf courses worldwide
  • Book 3 nights stay at participating ITC hotels and pay for 2 with 1+1 complimentary weekend buffet
  • Low forex mark-up fee of 2%
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ICICI Emeralde Private Metal Credit Card

emeralde-private-metal-credit-card
4/5

Joining fee: ₹12499

Annual/Renewal Fee: ₹12499

Taj Epicure & EazyDiner Prime memberships

Unlimited airport lounge visits

Travel
Lounge Access
Reward Points
Check Eligibility

Product Details

  • Rs. 3,000 EaseMyTrip vouchers on reaching each annual spending milestone of Rs. 4 Lakh and Rs. 8 Lakh
  • Unlimited golf lessons or rounds every month on creating a Golftripz account
  • EazyDiner membership, up to 50% off on dining in India & Dubai; 2,000 EazyPoints on joining
  • Buy 1 ticket and get up to Rs. 750 off on the 2nd ticket on BookMyShow bookings, twice a month
  • 1% fuel surcharge waiver of up to Rs. 1,000 per month on fuel transactions below Rs. 4,000
  • Low forex markup fee of 2%
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YES Bank Marquee Credit Card

marquee-credit-card
4/5

Joining fee: ₹9999

Annual/Renewal Fee: ₹4999

36 YES Rewardz Points per Rs. 200 spent online & 18 on offline spends

Up to 24 domestic & unlimited international airport lounge visits per year

Travel
Reward Points
Online Shopping
Check Eligibility

Product Details

  • 1% forex mark-up fee
  • Up to 12 complimentary golf lessons in a year & 4 green fee waivers at select golf courses in India
  • 60,000 and 20,000 YES Rewardz Points on joining and renewal fee payments respectively
  • B1G1 offer with up to Rs. 800 off per BookMyShow movie ticket with max. 3 free tickets per month
  • Min. 15% off on dining via Dining Fiesta program
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SBI Card ELITE

sbi-elite-credit-card
3.5/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

5X reward points on dining, grocery and departmental store spends

Complimentary Priority Pass membership

Lounge Access
Movies
Reward Points
Check Eligibility

Product Details

  • 2 reward points per Rs. 100 spent on other categories
  • Up to 50,000 bonus reward points as milestone benefits
  • 6 complimentary international lounge access in a year; 1.99% forex mark-up fee
  • Up to 8 complimentary domestic lounge access per year, 2 per quarter
  • Free movie tickets worth Rs. 6,000 in a year
  • Low forex mark-up fee of 1.99%
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AU Zenith+ Credit Card

zenith-plus-credit-card
3.5/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

2X reward points on travel, dining and international spends

16 complimentary international and domestic lounge access every year

Travel
Movies
Reward Points
Check Eligibility

Product Details

  • 1 reward point for every Rs. 100 on retail spends
  • 1,000 reward points on Rs. 75,000 monthly retail spends & Taj Epicure membership on Rs. 12 Lakh annual retail spends
  • 16 complimentary international lounge visits in a year using Priority Pass & 16 complimentary domestic airport lounge access every year
  • 16 complimentary B1G1 movie/event tickets from BookMyShow in a year
  • International travel benefits with a low forex markup fee of 0.99% and 4 end-to-end VIP airport check-in services per year
  • Low forex markup fee of 0.99%
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HDFC Regalia Gold Credit Card

hdfc-regalia-gold-credit-card
4/5

Joining fee: ₹2500

Annual/Renewal Fee: ₹2500

5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital

4 reward points per Rs. 150 across all retail spends

Travel
Shopping
Reward Points
Check Eligibility

Product Details

  • Complimentary Swiggy One & MMT Black Elite Memberships
  • Gift voucher worth Rs. 2,500 on the payment of joining fee
  • 6 complimentary international lounge visits & 12 complimentary domestic airport lounge visits per year
  • Marks & Spencer/ Reliance Digital/ Myntra/ Marriott vouchers of Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
  • Flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakh
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Standard Chartered EaseMyTrip Credit Card

easemytrip-credit-card
3.5/5

Joining fee: ₹350

Annual/Renewal Fee: ₹350

20% discount on domestic & international hotel bookings via EaseMyTrip

10% discount on domestic & international flight bookings via EaseMyTrip

Travel
Co-branded
Check Eligibility

Product Details

  • Save up to Rs. 5,000 on domestic hotel bookings and Rs. 10,000 on international hotel bookings via EaseMyTrip
  • Save up to Rs. 1,000 on domestic flight bookings and Rs. 5,000 on international flight bookings via EaseMyTrip
  • Flat Rs. 125 off on bus ticket bookings via EaseMyTrip
  • 10 reward points per Rs. 100 spent at standalone airline/hotel websites, mobile apps or outlets
  • 2 complimentary domestic lounge visit per year
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IDFC FIRST Wealth Credit Card

idfc-first-wealth-credit-card
3/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

Up to 10x rewards on every spend

Up to 8 international & 8 domestic airport lounge & spa access in a year

Travel
Reward Points
Check Eligibility

Product Details

  • 3x rewards on monthly spends of up to Rs. 20,000 and 10x rewards on spends after this spend threshold
  • 1 reward point per Rs. 150 spent on insurance and utility; low forex mark-up fee of 1.5%
  • Buy 1 get 1 offer with up to Rs. 250 off twice a month on movie tickets on District by Zomato app
  • Complimentary golf round per Rs. 20,000 monthly spends, up to 2 rounds/month
  • 5% cashback on 1st EMI transaction and Rs. 500 gift voucher as welcome benefit
  • Low forex mark-up of 1.5%
Know More

FAQs

Q. Which debit card can be used internationally?

You can use your debit card internationally if the card comes equipped with the feature of global acceptance. If you are someone who frequently travels internationally, you can apply for debit cards from SBI Global and Platinum International Debit Card, Axis Bank Burgundy Debit Card, ICICI Bank Sapphiro International Debit Card, etc. Additionally, you will be required to enable the international transaction on your debit card, via logging into the net banking portal or mobile banking app.

Q. Which international debit card is best?

There are a number of international debit cards available from top card providers. However, choosing the best card amongst these must be based on your requirements and what suits you best. For instance, if you want a card with incremental rewards on international spends, you can consider getting an ICICI Bank Sapphiro International Debit Card.

Q. Which bank in India offers International debit cards?

Several banks offer debit cards equipped with features suitable for international travel, such as global acceptance at POS and ATMs, lounge access, travel insurance covers, and low forex markup fee. Some of the top lenders offering such cards are SBI, Axis Bank, SBM Bank, ICICI Bank, HDFC Bank, etc.

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