Applicable for the users with Indian Bank accounts & Cards.
Note- CLO payments are processed in US dollars (USD), so Indian banks treat them as international transactions. According to the RBI Guidelines, Debit/Credit Cards issued to customers, including new, reissued, renewed or upgraded cards, are enabled for Domestic ATM and Point of Sale (POS)/physical transactions only. Online, Contactless and International transactions are disabled by default to protect against fraud. If a card has not been used for online, contactless or international transactions in the last 3 years, these are mandatorily disabled. You can set limits and enable any disabled transaction by logging in to your bank’s Online Banking or Mobile App.
Before you start
- Your card is enabled for online and international transactions.
- Your international transaction limit covers the USD amount converted to INR.
- Your registered mobile number is active so you can receive the OTP.
- Your card has not expired.
Menu names may differ slightly depending on your app version.
HDFC Bank
Mobile App
Step 1: Login to HDFC Mobile Banking App.
Step 2: Select ‘Pay’ > Select ‘Cards’ from the main menu.
Step 3: Select ‘Debit Card’ > Select ‘Customized’.
Step 4: Scroll & Select ‘International’ > Enable the ‘Disabled’ option > Select ‘Confirm’.
Step 5: Check and Enter the OTP received on your registered mobile number.
Bank website (NetBanking portal)
Step 1: Sign-in to HDFC NetBanking.
Step 2: From your dashboard, Select ‘Cards’.
Step 3: Select ‘Debit Cards’.
Step 4: Select ‘Request’.
Step 5: Click on ‘Set International Usage’.
Step 6: Select ‘Card to be enabled for International use’.
Step 7: Enter any additional card details if requested & Select ‘Submit’.
ICICI Bank
Mobile App
Step 1: Login to the iMobile App.
Step 2: Select ‘Credit/Debit Card’ > Select ‘Manage Card’ from the main menu.
Step 3: Select ‘Credit/Debit Card’ for which international transactions are desired.
Step 4: Under ‘Manage Card’ > Select ‘Transaction Settings’.
Step 5: Select ‘International’ > Click to continue.
Step 6: Select ‘Confirm’ to allow international credit card transactions.
Bank website (NetBanking portal)
Step 1: Open https://www.icicibank.com/ > Select ‘Personal Banking’.
Step 2: Login with your NetBanking ‘User ID and Password’.
Step 3: Select ‘Cards and Loans’ from the main menu > Select ‘Credit/Debit Card’ from the sub-menu.
Step 4: Select ‘Manage Card’ > Scroll & Select the ‘International’ section.
Step 5: Tap ‘Enable’ and manage limits of the transaction for ATM, Online, Merchant Outlet, etc.
Step 6: Submit by verifying with OTP to activate international transactions.
Kotak Mahindra Bank
Mobile App
Step 1: Login to Kotak Mobile Banking App.
Step 2: In ‘Service Request’, Select ‘Debit Card’.
Step 3: Select ‘Card Control’.
Step 4: Scroll & Select your ‘Debit Card Number’.
Step 5: Select ‘International/Domestic Controls’.
Step 6: Select ‘On/Off’ for International Usage.
Bank website (NetBanking portal)
Step 1: Login to Kotak Net Banking.
Step 2: Select the ‘Debit Card’ section.
Step 3: Select ‘Card Control’.
Step 4: Enable ‘International Usage’ for ATM withdrawal, transactions at retail outlets/merchant stores and E-Com transactions.
You can also set your daily International ATM, POS and ECOM transaction limit. Change your limits in ‘Limit Management/Controls’ on the Kotak Mobile Banking App or Kotak NetBanking.
SBI (State Bank of India)
Mobile App (YONO)
Step 1: Login to YONO Mobile App.
Step 2: Select ‘Services’.
Step 3: Select ‘Manage Debit Card’.
Step 4: Select your ‘Account’ from the dropdown.
Step 5: Select your ‘Debit Card Number’.
Step 6: Scroll & Enable ‘International Usage’.
Bank website (NetBanking portal)
Step 1: Login to SBI NetBanking.
Step 2: Select ‘Services’ from the main menu.
Step 3: Select ‘Manage Card Usage’.
Step 4: Change the transaction type from ‘Domestic’ to ‘International’.
Citi Bank
Follow the steps from Citibank: Enable your Citi Card for Online, Contactless and International Transactions (citibank.co.in)
Payment still failing?
- Read: Payment failure notification and [Important Notice] RBI regulations
- Contact your bank to check whether it blocked the transaction.
- Or submit a request with your bank name, the last 4 digits of your card, the date and time of the attempt, and a screenshot of the error.
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