The PayPass International Debit Cards are contactless debit cards that allow you to make quick and secure transactions without entering a PIN for small purchases. These cards are associated with MasterCard’s PayPass technology. Several Indian banks like SBI, HDFC, ICICI, Axis Bank, and PNB offer PayPass debit cards for international usage. They can be used at millions of merchant outlets worldwide, offering large withdrawal and purchase limits abroad. Let’s explore more details in the blog-
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What are PayPass International Debit Cards?
The PayPass International Debit Card is a convenient banking tool. It is a special type of debit card that allows you to make quick and secure payments. You can easily make small payments, usually up to INR 5,000 without swiping or entering a PIN. Instead, you can just wave the card near a payment terminal to pay for the transaction. However, debit card foreign transaction fees are applicable.
They offer convenience, security, and ease of access to funds, making it easier to navigate expenses in a new country. Students planning to study abroad can greatly benefit from PayPass international debit cards. By having this card, you can focus more on your studies and experiences rather than worrying about managing cash or traditional banking methods.
Also Read: This blog provides you with a list of all the banks that offer Debit Cards for Students who are under 18. Read to find the most suitable option!
Features & Benefits
PayPass International Debit Cards blend convenience, speed, and security. They are an excellent choice for anyone, especially students studying abroad. They simplify financial transactions and enhance the overall experience while managing expenses in a new country. Check out the features and benefits of PayPass debit cards-
- Global Acceptance- These cards are accepted at millions of locations worldwide, making them perfect for international travel and online shopping.
- Contactless Payment Technology- You can simply wave your card near a Point of Sale (PoS) terminal for international payments. The technology relies on Near Field Communication (NFC), which enables secure communication between the card and the payment terminal without physical contact.
- EMV Chip and Security Features- These cards are equipped with an EMV chip, which enhances security by encrypting transaction data. This chip helps protect against fraud and unauthorised transactions by reducing the risk of theft or skimming fraud.
- Speedy Transactions- The ability to make quick payments enhances the overall shopping experience. You can complete transactions in seconds.
- Exclusive Rewards and Offers- For every transaction made using the card, you can earn reward points that can be redeemed for discounts, merchandise, or travel benefits. Some banks provide cashback on specific categories like dining, shopping, or travel bookings when using the PayPass international debit cards.
Banks Offering PayPass International Debit Cards
Several Indian banks offer PayPass International Debit Cards, allowing contactless transactions and international usage. These banks provide a range of features and benefits for international debit card options with contactless payment capabilities. Here are the prominent banks providing such cards-
State Bank of India (SBI)
- Card Types: SBI Paywave International Debit Card, SBI Global International Debit Card.
- Features: Contactless payments, reward points, and usage at millions of merchant outlets worldwide. The SBI Paywave card does not require a PIN for transactions below INR 5,000.
HDFC Bank
- Card Type: HDFC EasyShop Platinum Debit Card.
- Features: Offers cashback and is widely accepted for international transactions. It also supports contactless payments.
ICICI Bank
- Card Type: ICICI Bank International Debit Card Sapphiro
- Features: High-end rewards, international acceptance, and a focus on premium benefits for users.
Axis Bank
- Card Type: Axis Bank Burgundy Debit Card and other Axis Bank international debit cards with lounge access.
- Features: Offers large withdrawal limits, contactless transactions, and various lifestyle benefits.
Bank of India
- Card Type: Visa Platinum Contactless Debit Card.
- Features: Accepted globally, allows contactless transactions up to INR 5,000 without a PIN, and rewards users with points for transactions.
IDBI Bank
- Card Type: IDBI International Debit-cum-ATM Card.
- Features: Allows purchases at merchant establishments and cash withdrawals from ATMs worldwide.
Punjab National Bank (PNB)
- Card Types: PNB VISA Signature and Classic Debit Cards.
- Features: High transaction limits and various rewards for international usage.
How to Use PayPass International Debit Cards
To use PayPass international debit cards, you need to apply for one through your bank. After approval, you will receive the card along with a separate PIN for security. Now, activate your card by using it at an ATM or making a purchase at a merchant location. This first use will set your card in motion for transactions.
- To pay at a store, simply hold your card near the contactless payment terminal (within 2.5 to 5 cm). If the amount is under the specified limit (usually INR 5,000), you won’t need to enter your PIN.
- For larger purchases or if the terminal does not support contactless payments, swipe or dip your card and enter your PIN when prompted.
You can also use your card for online shopping by entering your card details on the merchant’s website. Some transactions may require additional authentication for security. To withdraw cash, find an ATM that accepts your card (look for Visa or MasterCard logos). Insert your card, enter your PIN, and select the amount you wish to withdraw.
Also Read: Check some of the best Forex cards for students. Know some major bank-issued forex cards and those issued by online service providers.
Fees and Charges
When considering a PayPass International Debit Card, it’s important to understand the various fees associated. You may be initially charged issuance fees when applying for the card. Other applicable charges include annual maintenance fees and transaction fees, Below is an overview of these charges to help you better manage your finances while using the card.
| Type of Charge | Details |
| Issuance Fees | Some banks may charge a nominal fee for issuing the card, while others offer it for free during the first year. |
| Annual Maintenance Fees | After the initial free period, there may be an annual fee (e.g., around INR 110 to INR 175) for maintaining the card. |
| Transaction Fees | Domestic transactions are often free; however, international transactions may incur a cross-currency markup (typically around 3.5%). Using ATMs outside India might attract extra charges depending on the bank’s policies. |
| ATM Withdrawal Fees | Minimum charge of INR 100 plus 3.5% of the transaction amount for cash withdrawals at international ATMs. |
| Balance Inquiry Fees | Charges for balance inquiries at ATMs may apply (e.g., INR 25 plus GST). |
PayPass vs PayWave International Debit Cards
When comparing PayWave and PayPass International Debit Cards, it’s essential to understand that both are contactless payment technologies. They are designed to make transactions faster and more convenient.
While they serve similar purposes, they are associated with different payment networks—PayPass is linked to MasterCard, whereas PayWave is linked to Visa. Below is a table highlighting the key differences between the two.
| Features | PayPass (MasterCard) | PayWave (Visa) |
| Brand Association | MasterCard | Visa |
| Payment Method | Contactless payments by tapping the card on a terminal | Contactless payments by waving the card near a terminal |
| Transaction Limits | Typically allows transactions up to INR 5,000 without a PIN | Typically allows transactions up to INR 2,000 without a PIN |
This was all about PayPass International Debit Cards. Understanding how to use them effectively can enhance your financial experience, especially while studying abroad. With its convenient features, manageable fees, and potential rewards, it serves as an excellent tool for handling expenses in a foreign country.
FAQs
The PayPass International Debit Card is a contactless debit card that allows users to make quick payments by simply waving the card near a payment terminal. It offers convenience and security for transactions both domestically and internationally.
Both PayPass and PayWave provide similar contactless payment features but are associated with different networks (MasterCard and Visa, respectively). The choice depends on personal preference and the specific benefits offered by your bank.
You can typically make contactless payments of up to INR 5,000 without entering a PIN. For higher amounts, you will need to swipe the card and enter your PIN for added security.
Charges may include issuance fees, annual maintenance fees (around INR 110), and transaction fees for international purchases (usually around 3.5% markup). ATM withdrawal fees may also apply when using the card abroad.
Some banks offer premium PayPass debit cards that include airport lounge access as a benefit. Examples include certain variants of the SBI Global International Debit Card and HDFC Bank’s premium debit cards.
Yes, the PayPass International Debit Card can be used for online transactions at various e-commerce platforms, allowing you to shop conveniently from anywhere.
Many banks offer rewards points or cashback programs linked to PayPass cards, allowing users to earn benefits on their purchases.
Yes, most banks set a daily withdrawal limit for international ATMs, typically around INR 40,000 or its foreign currency equivalent. However, the exact withdrawal limit depends on the bank and the type of PayPass International debit card.
Contact your bank immediately to report a lost or stolen card. They will block the card to prevent unauthorized transactions and guide you on obtaining a replacement.
Yes, many banks allow you to link your PayPass International Debit Card to mobile payment apps, enabling easy payments through your smartphone or wearable devices.
To learn more about education loans, the best bank accounts for students, forex, banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.
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