International debit card - recommendation please

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stefanm

Disciple
Mar 4, 2011
83
64
82
53
I'll be travelling to east Asia in around 6 weeks and my SBI international debit card is worthless abroad, the restrictions on withdrawal are insane and it's hit or miss as to whether or not it'll work.

I did apply for a credit card with SBI, but that seems to be taking forever, the person I've been dealing with was off sick last week and zero progress has been made - comical right?

So, I'm thinking of switching to HDFC as their debit cards work globally without serious restrictions, but which card?

I can't get a forex or prepaid card as I'm an OCI card holder.
 
Z

ze_cook

Disciple
Jun 29, 2020
194
339
127
Niyo SBM debit card does not work anymore for international transactions, scapia needs a credit history, and is a credit card. If you're fine with credit cards, try IDFC wow credit, it's a secured (fd backed) credit card, shouldn't require credit history.
 
S

stefanm

Disciple
Mar 4, 2011
83
64
82
53
ze_cook said:
Niyo SBM debit card does not work anymore for international transactions, scapia needs a credit history, and is a credit card. If you're fine with credit cards, try IDFC wow credit, it's a secured (fd backed) credit card, shouldn't require credit history.
Click to expand...
I just tried IDFC online application and it wouldn't accept my pincode.
 
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L

LinkdJay

Recruit
Aug 28, 2023
20
15
6
If you have an ICICI branch nearby, you could go there and ask for the platinum CC. Its a secured credit card as well.
 
Futureized

Futureized

Skilled
Feb 11, 2013
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Mumbai
www.wikipedia.org
stefanm said:
I'll be travelling to east Asia in around 6 weeks and my SBI international debit card is worthless abroad, the restrictions on withdrawal are insane and it's hit or miss as to whether or not it'll work.
Click to expand...
Which SBI card do you have ?
Visa or Rupay. One of known persons use the same without any issues.
And I am sure, there will be both online/offline options to increase the limits (when comes to debit cards)
 
H

hemanth.hg

Recruit
Feb 6, 2021
2
0
1
Last time when I travelled to US, the Axis bank forex card didn't work, but luckily the ICICI Amazon card worked without issues.
 
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stefanm

Disciple
Mar 4, 2011
83
64
82
53
Futureized said:
Which SBI card do you have ?
Visa or Rupay. One of known persons use the same without any issues.
And I am sure, there will be both online/offline options to increase the limits (when comes to debit cards)
Click to expand...
I have a visa, for international use it's limited to 40k (not specified for day or month) my bank manager even started not to trust it, as other customers have been stranded as the card didn't work abroad.
 
Futureized

Futureized

Skilled
Feb 11, 2013
1,546
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Mumbai
www.wikipedia.org
stefanm said:
I have a visa, for international use it's limited to 40k (not specified for day or month) my bank manager even started not to trust it, as other customers have been stranded as the card didn't work abroad.
Click to expand...
Got Visa and Rupay debit cards from SBI..
Both have 2 lakh+ limit but restricted per transaction limit to 50K.
Have not tried/visited abroad, but can easily do international transactions
 
B

benryu

Adept
Dec 24, 2011
980
57
118
Futureized said:
Got Visa and Rupay debit cards from SBI..
Both have 2 lakh+ limit but restricted per transaction limit to 50K.
Have not tried/visited abroad, but can easily do international transactions
Click to expand...
Did you check internet banking or mobile banking app? You should be able to set your own limits.
 
T

t3chg33k

Skilled
Jun 3, 2008
1,469
1,988
402
Have IndusInd Pioneer debit card and had Exclusive before that, both are 0 forex and also worked fine for tax credit refunds.
 
S

solo_wing

Adept
Dec 27, 2008
615
1,278
357
How is scapia?
Any one has here ? Do share your experience.
I am looking to replace that niyo sbm card now for foreign transaction.
 
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