Please note that because there are a number of banks in India, each one offering a lot of different types of cards, it is impossible for me to check all of them. So, if your bank is not mentioned above but it works in the claimed sites, please let me know in the Comment section below.
Sl.
No.Bank Names
WalletPayPal 1 Indian Bank (EMV MasterCard World) YES YES 2 AXIS Bank (Chip Card) YES YES 3 ICICI Bank YES YES 4 HDFC Bank (Platinum Chip Debit Card) YES YES 5 CITI Bank YES YES 6 Standard Chartered Bank YES YES 7 Kotak Mahindra Bank (Gold Chip Debit Card) YES YES 8 Union Bank of India YES NO 9 IDBI Bank (Chip Based Intl. Debit Card) YES NO
Some bank cards needs some special activation before it can be used for online cross currency international transaction. So, take a look at special activation procedure of some banks.
ICICI Bank
Previously cross currency transaction activation used to be done through calling the respective customer care of your state, but now ICICI Bank has made it even simpler. Now if you want to activate cross currency transaction on your VISA or MASTERCARD (VISA Preferred) debit card, you just have to sent an SMS from your bank registered mobile number as INTL to 5676766. If you do not get any conformation SMS for international usage activation after waiting for 3-4 days, please call the customer care and place a request of international usage manual activation on your card. Mention them that you have already sent this SMS but you didn’t get any activation conformation message. They will take your request and manually activate it.
ICICI Bank cards needs at least 4-5 days to successfully work in cross currency transaction after activation from the Bank. So wait for 4-5 days after you receive conformation that cross currency transaction has been activated on your card before trying to use it on any international sites.
Axis Bank
Please note that not all Axis Bank debit cards work for online international cross currency payment. Axis Bank Prime Chip Based VISA debit card has the highest accuracy rate. Beside any Axis bank chip based debit card is allowed to work for online international cross currency payment. You just have to call the customer care number and follow the IVR for the international payment activation process. Provide every detail asked from the IVR and your card will be activated for international payment. You also have to wait 4 – 5 days after activation before trying it out.
Indian Bank
Only Indian Bank EMV MasterCard World chip based debit card is working on all international sites like PayPal, Google Wallet, Skrill, Etropay, Neteller etc. This card doesn’t need any special kind of activation to use them internationally, beside it is pre international activated. As this is a PSU bank, opening new account is very low cost along with low balance maintenance. Initial account opening balance is Rs. 500/- monthly minimum balance maintenance is Rs. 250/- for savings account. While opening account they will give you a welcome kit, which contains Maestro ATM card, use it for one week and apply for EMV MasterCard World chip based debit card. You must return back your Maestro card to the branch while applying for EMV card. Maintain sufficient balance while applying for new card. It takes 10-15 days for new card to get delivered and activated. Choosing EMV Mastercard World Chip debit card might cost you Rs. 150/-extra. Hope this will help many students to avail international payment facility.
Please note Indian Bank VISA Chip Based EMV Card will not work in Play Store or any other place, only the MasterCard is working in all international sites. So, don’t take the VISA one.
Some FAQ
Here are some frequently asked questions regarding online cross currency international transaction and the cards. Hope this will help you to get your required answers easily.
What is 3D Secure Pin?
3D Secure Pin is a password which you need to create to pay online through any Indian payment gateways along with those gateways which uses 2 tier authentication processes. You can easily create your 3D Secure Pin from your bank website or from the supported payment gateways when you try to purchase for the first time.
My bank is not listed above?
Well, as I said earlier, it is not humanly possible for me to check every single bank card by my own. If your bank name is not listed above that means no user (including myself) has ever tested this card out. So the best option is to try to purchase things by using your cards in Google Wallet, PayPal and other places. If it works then please let me know in the Comment section below so that I can update the above list. If your card didn’t work, then also let me know in the comment, so other users can know about it.
Can I pay through by bank account in PayPal?
No, you can’t. PayPal India only allows paying PayPal invoice through your attached Debit/Credit cards. The attached bank accounts can only be used for withdrawing your PayPal balance.
Read more about Pay with PayPal India - Issues and solution
