{"id":16547,"date":"2024-12-19T17:03:11","date_gmt":"2024-12-19T11:33:11","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=16547"},"modified":"2024-12-19T17:03:13","modified_gmt":"2024-12-19T11:33:13","slug":"debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/","title":{"rendered":"Debit Card Foreign Transaction Fees: Bank-wise Schedule of Charges"},"content":{"rendered":"\n<p>International Debit Cards are perfect for overseas travel. With their global acceptance, contactless payment options, and EMV chip technology, you can easily make purchases and withdraw cash in local currencies without needing physical money. However, being aware of debit card foreign transaction fees, ATM withdrawals abroad, and <a href=\"https:\/\/fly.finance\/blog\/money-transfer\/dynamic-currency-conversion\/\"><strong>dynamic currency conversion<\/strong><\/a> charges is important. Let\u2019s explore more details on what charges apply to international debit card transactions.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-understanding-foreign-transaction-fees\" data-level=\"2\">Understanding Foreign Transaction Fees<\/a><ul><li><a href=\"#h-when-do-these-fees-apply\" data-level=\"3\">When Do These Fees Apply?<\/a><\/li><li><a href=\"#h-why-are-these-fees-charged\" data-level=\"3\">Why Are These Fees Charged?<\/a><\/li><\/ul><\/li><li><a href=\"#h-debit-card-foreign-transaction-fees\" data-level=\"2\">Debit Card Foreign Transaction Fees<\/a><\/li><li><a href=\"#h-bank-wise-debit-card-foreign-transaction-fees\" data-level=\"2\">Bank-wise Debit Card Foreign Transaction Fees<\/a><\/li><li><a href=\"#h-credit-card-vs-debit-card-foreign-transaction-fees\" data-level=\"2\">Credit Card vs Debit Card Foreign Transaction Fees<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-foreign-transaction-fees\"><span id=\"understanding-foreign-transaction-fees\">Understanding Foreign Transaction Fees<\/span><\/h2>\n\n\n\n<p>Foreign transaction fees are charges applied by banks or card issuers when you use your debit card for purchases or ATM withdrawals in foreign currencies. These fees typically range from 2.5% to 3.5% of the transaction amount and help cover costs related to currency conversion and international payment processing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-when-do-these-fees-apply\"><span id=\"when-do-these-fees-apply\">When Do These Fees Apply?<\/span><\/h3>\n\n\n\n<p>Foreign transaction fees are charged in various situations, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Purchases Made Abroad:<\/strong> Any shopping or services paid for in foreign currencies, whether in-store or online, will incur a foreign transaction fee.<\/li>\n\n\n\n<li><strong>Online Transactions with Foreign Merchants:<\/strong> When you make a purchase from an international retailer, even if the price is converted to your local currency, the fee applies.<\/li>\n\n\n\n<li><strong>Currency Conversion:<\/strong> The transaction amount is converted to your home currency using the exchange rate set by card networks like VISA or MasterCard, with an additional fee for the conversion process.<\/li>\n\n\n\n<li><strong>International ATM Withdrawals:<\/strong> Withdrawing cash from ATMs abroad may incur both withdrawal fees and foreign transaction charges.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-are-these-fees-charged\"><span id=\"why-are-these-fees-charged\">Why Are These Fees Charged?<\/span><\/h3>\n\n\n\n<p>These fees help banks cover the costs of processing international transactions, including currency conversion, payment security, and communication between financial institutions.<\/p>\n\n\n\n<p>Understanding these fees and Debit Card foreign transaction fees can help you manage international spending and avoid unexpected costs. It\u2019s always a good idea to check your card&#8217;s terms for details on foreign transaction fees and consider using cards with no foreign transaction charges for international purchases.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Check the details of <\/strong><a href=\"https:\/\/fly.finance\/blog\/question-answer\/how-to-get-education-loan-from-government\/\"><strong>education loans from the government<\/strong><\/a><strong>. Discover initiatives like Vidya Lakshmi Portal and financial schemes for higher education.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-debit-card-foreign-transaction-fees\"><span id=\"debit-card-foreign-transaction-fees\">Debit Card Foreign Transaction Fees<\/span><\/h2>\n\n\n\n<p>When using your debit card for international transactions, several fees contribute to the overall cost. Understanding these fees can help you manage costs when making international purchases or withdrawals.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Foreign Transaction Fee: Charged by your card issuer, this fee typically ranges from 2% to 3% of the transaction amount. It covers the cost of processing payments made in foreign currencies. To save these costs, you can use <a href=\"https:\/\/fly.finance\/blog\/money-transfer\/zero-forex-markup-credit-card\/\"><strong>Zero Forex Markup Credit Cards.<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Currency Conversion Fee: Payment networks like Visa or MasterCard charge a 1% fee when converting the foreign currency into your home currency (e.g., INR).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dynamic Currency Conversion (DCC): Some merchants offer to charge you in your home currency instead of the local currency. While it seems convenient, DCC often includes higher exchange rates and additional fees, sometimes reaching 5% or more.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Fee Type<\/strong><\/td><td><strong>Fee Range<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Foreign Transaction Fee<\/td><td>3% to 3.5%<\/td><td>Applies to purchases or withdrawals made outside your home country.<\/td><\/tr><tr><td>Currency Conversion Fee<\/td><td>1%<\/td><td>The fee is added to the exchange rate during currency conversion.<\/td><\/tr><tr><td>Dynamic Currency Conversion (DCC)<\/td><td>Up to 5% or more<\/td><td>Often involves a less favourable exchange rate, making it more expensive than paying in local currency.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Discover the <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/what-is-the-process-of-education-loan\/\"><strong>step-by-step process of securing an education loan<\/strong><\/a><strong>. From application to disbursal, learn how to navigate the education loan journey.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bank-wise-debit-card-foreign-transaction-fees\"><span id=\"bank-wise-debit-card-foreign-transaction-fees\">Bank-wise Debit Card Foreign Transaction Fees<\/span><\/h2>\n\n\n\n<p>Understanding the foreign transaction fees associated with debit cards from different banks can help you make informed decisions when travelling or shopping internationally. Always check the specific terms and conditions of your bank to minimize costs and maximize benefits.<\/p>\n\n\n\n<p>Below is a comparison of the foreign transaction fees associated with debit cards from major banks in India.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Transaction Type<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td rowspan=\"3\">State Bank of India<\/td><td>Balance Enquiry at ATMs<\/td><td>INR 25 + GST<\/td><\/tr><tr><td>ATM Cash Withdrawal<\/td><td>INR 100 + 3.5% of transaction amount + GST<\/td><\/tr><tr><td>PoS\/eCommerce Transactions<\/td><td>3% of transaction amount + GST<\/td><\/tr><tr><td rowspan=\"4\">ICICI Bank<\/td><td>Foreign Currency Transactions (Mark-up Fee)<\/td><td>3.5% of transaction amount<\/td><\/tr><tr><td>ATM Balance Enquiry Charges from ATMs Outside India<\/td><td>INR 25<\/td><\/tr><tr><td>ATM Withdrawal Charges from ATMs outside India<\/td><td>INR 125 + 3.5% currency conversion charges<\/td><\/tr><tr><td>DCC (Dynamic Currency Conversion)<\/td><td>1% mark-up fee + GST (effective from Mar 15, 2024)<\/td><\/tr><tr><td rowspan=\"2\">HDFC Bank<\/td><td>Cross-Currency Mark-up Charges<\/td><td>3.5% + applicable taxes on foreign currency transactions<\/td><\/tr><tr><td>ATM Charges &#8211; Usage Outside India<\/td><td>INR 25 for balance enquiry; INR 125 for cash withdrawal + 3.5%<\/td><\/tr><tr><td rowspan=\"3\">Axis Bank<\/td><td>Cross-Currency Mark-up<\/td><td>3.5% + GST for all international cash withdrawals and purchases<\/td><\/tr><tr><td>DCC Charges<\/td><td>1% + GST for all dynamic currency conversion transactions<\/td><\/tr><tr><td>Balance Enquiry Fee International<\/td><td>INR 25 per transaction<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-credit-card-vs-debit-card-foreign-transaction-fees\"><span id=\"credit-card-vs-debit-card-foreign-transaction-fees\">Credit Card vs Debit Card Foreign Transaction Fees<\/span><\/h2>\n\n\n\n<p>Both types of cards can incur foreign transaction fees, but the structure and amount of these fees can differ significantly. Below is a comparison of foreign transaction fees for credit and debit cards-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit cards often have a wider range of foreign transaction fees, typically between 1% to 3.5%, while debit cards usually charge a flat rate of around 3% to 3.5%.<\/li>\n\n\n\n<li>Both card types may incur DCC fees, but these are often higher when using credit cards due to additional processing charges.<\/li>\n\n\n\n<li>Credit cards may offer more benefits such as rewards points and travel insurance, while debit cards provide direct access to funds without incurring debt.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Type of Fees<\/strong><\/td><td><strong>Credit Cards<\/strong><\/td><td><strong>Debit Cards<\/strong><\/td><\/tr><tr><td>Foreign Transaction Fee<\/td><td>1% to 3.5% of the transaction amount<\/td><td>Typically 3% to 3.5% of the transaction amount<\/td><\/tr><tr><td>Currency Conversion Fee<\/td><td>Additional fees charged by credit card networks<\/td><td>NIL<\/td><\/tr><tr><td>Dynamic Currency Conversion (DCC) Fee<\/td><td>1% to 3% of the transaction amount<\/td><td>Similar to credit cards, typically around 1%<\/td><\/tr><tr><td>Balance Inquiry Fee Abroad<\/td><td>NIL<\/td><td>INR 25 per inquiry<\/td><\/tr><tr><td>ATM Withdrawal Fee Abroad<\/td><td>2% to 5% of the cash advance amount + interest<\/td><td>INR 100 + 3.5% of the withdrawal amount<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>This was all about debit card foreign transaction fees. Always check with your card issuer for specific terms and conditions related to foreign transactions. For any questions, you can drop your comments or visit the bank\u2019s official website for the latest updates. Check out some of the FAQs below for more information.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1734607401528\"><strong class=\"schema-faq-question\">What are foreign transaction fees?<\/strong> <p class=\"schema-faq-answer\">Foreign transaction fees are charges applied by banks when you use your debit card for purchases or withdrawals in foreign currencies, typically ranging from 2% to 3.5%.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734607402494\"><strong class=\"schema-faq-question\">When do these fees apply?<\/strong> <p class=\"schema-faq-answer\">Fees apply during purchases made abroad, online transactions with foreign merchants, and cash withdrawals from ATMs outside your home country.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734607402952\"><strong class=\"schema-faq-question\">How much do debit cards typically charge for foreign transactions?<\/strong> <p class=\"schema-faq-answer\">Debit cards usually charge between 3% to 3.5% of the transaction amount as a foreign transaction fee.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734607403578\"><strong class=\"schema-faq-question\">What is the currency conversion fee?<\/strong> <p class=\"schema-faq-answer\">Payment networks like Visa or MasterCard may charge a 1% fee for converting foreign currency into your home currency during transactions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734607451611\"><strong class=\"schema-faq-question\">What is Dynamic Currency Conversion (DCC)?<\/strong> <p class=\"schema-faq-answer\">DCC allows merchants to charge you in your home currency instead of the local currency but often includes higher fees and unfavourable exchange rates.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734607452355\"><strong class=\"schema-faq-question\">How can I avoid foreign transaction fees?<\/strong> <p class=\"schema-faq-answer\">Consider using debit cards that do not charge foreign transaction fees or opt for zero-forex markup credit cards when making international purchases.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734607452868\"><strong class=\"schema-faq-question\">Are there any additional charges for ATM withdrawals abroad?<\/strong> <p class=\"schema-faq-answer\">Yes, ATM withdrawals abroad typically incur a fee of around INR 100 + 3.5% of the withdrawal amount, plus any local ATM charges.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734607453388\"><strong class=\"schema-faq-question\">Do all banks charge the same foreign transaction fees?<\/strong> <p class=\"schema-faq-answer\">No, foreign transaction fees vary by bank; for example, SBI charges 3%, while HDFC and ICICI charge 3.5%.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734607504675\"><strong class=\"schema-faq-question\">Can I get a refund on foreign transaction fees?<\/strong> <p class=\"schema-faq-answer\">Refunds on foreign transaction fees are rare but may be possible in cases of fraud or disputes; contact your bank for specific options.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1734607505381\"><strong class=\"schema-faq-question\">Is it better to use a credit card or debit card for international transactions?<\/strong> <p class=\"schema-faq-answer\">It depends on your needs; credit cards may offer rewards and benefits but can incur higher cash advance fees, while debit cards provide direct access to funds without debt.<\/p> <\/div> <\/div>\n\n\n\n<p>To learn more about <a href=\"https:\/\/fly.finance\/loans\"><strong>education loans<\/strong><\/a>, the best <a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>bank accounts for students<\/strong><\/a>, <a href=\"https:\/\/fly.finance\/forex\"><strong>forex,<\/strong><\/a> banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background has-fixed-layout\"><tbody><tr><td colspan=\"2\"><strong>Additional Reads<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/debit-card-for-students-under-18\/\"><strong>Debit Cards for Students Under 18<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/state-bank-of-india-global-international-debit-card\/\"><strong>State Bank of India Global Debit Card<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/credit-cards\/citibank-credit-card-foreign-transaction-fees\/\"><strong>Citibank Credit Card Foreign Transaction Fee<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/best-forex-cards-for-students\/\"><strong>Best Forex Cards for Students<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/best-forex-cards-for-students-in-the-uk\/\"><strong>Best Forex Cards for Indian Students in the UK<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/faqs-on-forex-prepaid-cards-for-students\/\"><strong>FAQs on Forex Prepaid Cards for Students<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/forex-card-vs-international-debit-card\/\"><strong>Forex Card Vs International Debit Card<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/capital-one-student-card\/\"><strong>Capital One Bank on Student Credit Cards<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/wire-transfer-vs-forex-card\/\"><strong>Wire Transfers vs Forex Cards<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/union-bank-of-india-forex\/\"><strong>Union Bank of India Forex<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Follow Us on Social Media<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-instagram  wp-block-social-link\"><a href=\"https:\/\/instagram.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12,4.622c2.403,0,2.688,0.009,3.637,0.052c0.877,0.04,1.354,0.187,1.671,0.31c0.42,0.163,0.72,0.358,1.035,0.673 c0.315,0.315,0.51,0.615,0.673,1.035c0.123,0.317,0.27,0.794,0.31,1.671c0.043,0.949,0.052,1.234,0.052,3.637 s-0.009,2.688-0.052,3.637c-0.04,0.877-0.187,1.354-0.31,1.671c-0.163,0.42-0.358,0.72-0.673,1.035 c-0.315,0.315-0.615,0.51-1.035,0.673c-0.317,0.123-0.794,0.27-1.671,0.31c-0.949,0.043-1.233,0.052-3.637,0.052 s-2.688-0.009-3.637-0.052c-0.877-0.04-1.354-0.187-1.671-0.31c-0.42-0.163-0.72-0.358-1.035-0.673 c-0.315-0.315-0.51-0.615-0.673-1.035c-0.123-0.317-0.27-0.794-0.31-1.671C4.631,14.688,4.622,14.403,4.622,12 s0.009-2.688,0.052-3.637c0.04-0.877,0.187-1.354,0.31-1.671c0.163-0.42,0.358-0.72,0.673-1.035 c0.315-0.315,0.615-0.51,1.035-0.673c0.317-0.123,0.794-0.27,1.671-0.31C9.312,4.631,9.597,4.622,12,4.622 M12,3 C9.556,3,9.249,3.01,8.289,3.054C7.331,3.098,6.677,3.25,6.105,3.472C5.513,3.702,5.011,4.01,4.511,4.511 c-0.5,0.5-0.808,1.002-1.038,1.594C3.25,6.677,3.098,7.331,3.054,8.289C3.01,9.249,3,9.556,3,12c0,2.444,0.01,2.751,0.054,3.711 c0.044,0.958,0.196,1.612,0.418,2.185c0.23,0.592,0.538,1.094,1.038,1.594c0.5,0.5,1.002,0.808,1.594,1.038 c0.572,0.222,1.227,0.375,2.185,0.418C9.249,20.99,9.556,21,12,21s2.751-0.01,3.711-0.054c0.958-0.044,1.612-0.196,2.185-0.418 c0.592-0.23,1.094-0.538,1.594-1.038c0.5-0.5,0.808-1.002,1.038-1.594c0.222-0.572,0.375-1.227,0.418-2.185 C20.99,14.751,21,14.444,21,12s-0.01-2.751-0.054-3.711c-0.044-0.958-0.196-1.612-0.418-2.185c-0.23-0.592-0.538-1.094-1.038-1.594 c-0.5-0.5-1.002-0.808-1.594-1.038c-0.572-0.222-1.227-0.375-2.185-0.418C14.751,3.01,14.444,3,12,3L12,3z M12,7.378 c-2.552,0-4.622,2.069-4.622,4.622S9.448,16.622,12,16.622s4.622-2.069,4.622-4.622S14.552,7.378,12,7.378z M12,15 c-1.657,0-3-1.343-3-3s1.343-3,3-3s3,1.343,3,3S13.657,15,12,15z M16.804,6.116c-0.596,0-1.08,0.484-1.08,1.08 s0.484,1.08,1.08,1.08c0.596,0,1.08-0.484,1.08-1.08S17.401,6.116,16.804,6.116z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Instagram<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin  wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/company\/flyfinance\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-twitter  wp-block-social-link\"><a href=\"https:\/\/twitter.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M22.23,5.924c-0.736,0.326-1.527,0.547-2.357,0.646c0.847-0.508,1.498-1.312,1.804-2.27 c-0.793,0.47-1.671,0.812-2.606,0.996C18.324,4.498,17.257,4,16.077,4c-2.266,0-4.103,1.837-4.103,4.103 c0,0.322,0.036,0.635,0.106,0.935C8.67,8.867,5.647,7.234,3.623,4.751C3.27,5.357,3.067,6.062,3.067,6.814 c0,1.424,0.724,2.679,1.825,3.415c-0.673-0.021-1.305-0.206-1.859-0.513c0,0.017,0,0.034,0,0.052c0,1.988,1.414,3.647,3.292,4.023 c-0.344,0.094-0.707,0.144-1.081,0.144c-0.264,0-0.521-0.026-0.772-0.074c0.522,1.63,2.038,2.816,3.833,2.85 c-1.404,1.1-3.174,1.756-5.096,1.756c-0.331,0-0.658-0.019-0.979-0.057c1.816,1.164,3.973,1.843,6.29,1.843 c7.547,0,11.675-6.252,11.675-11.675c0-0.178-0.004-0.355-0.012-0.531C20.985,7.47,21.68,6.747,22.23,5.924z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Twitter<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-facebook  wp-block-social-link\"><a href=\"https:\/\/www.facebook.com\/Flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2C6.5 2 2 6.5 2 12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Facebook<\/span><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>International Debit Cards are perfect for overseas travel. With their global acceptance, contactless payment options, and EMV chip technology, you can easily make purchases and withdraw cash in local currencies without needing physical money. However, being aware of debit card foreign transaction fees, ATM withdrawals abroad, and dynamic currency conversion charges is important. Let\u2019s explore &#8230; <a title=\"Debit Card Foreign Transaction Fees: Bank-wise Schedule of Charges\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/\" aria-label=\"Read more about Debit Card Foreign Transaction Fees: Bank-wise Schedule of Charges\">Read more<\/a><\/p>\n","protected":false},"author":29,"featured_media":16549,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[298],"tags":[],"class_list":["post-16547","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Debit Card Foreign Transaction Fees: Bank-wise Schedule of Charges<\/title>\n<meta name=\"description\" content=\"Discover everything you need to know about debit card foreign transaction fees and how to minimize them while traveling overseas.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debit Card Foreign Transaction Fees: Bank-wise Schedule of Charges\" \/>\n<meta property=\"og:description\" content=\"Discover everything you need to know about debit card foreign transaction fees and how to minimize them while traveling overseas.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/\" \/>\n<meta property=\"og:site_name\" content=\"Fly Finance\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/shubhika.garg\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-19T11:33:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-19T11:33:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/flyblog.fly.finance\/uploads\/2024\/12\/Debit-Card-Foreign-Transaction-Fees-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"640\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Shubhika Garg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Shubhika Garg\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Debit Card Foreign Transaction Fees: Bank-wise Schedule of Charges","description":"Discover everything you need to know about debit card foreign transaction fees and how to minimize them while traveling overseas.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/","og_locale":"en_US","og_type":"article","og_title":"Debit Card Foreign Transaction Fees: Bank-wise Schedule of Charges","og_description":"Discover everything you need to know about debit card foreign transaction fees and how to minimize them while traveling overseas.","og_url":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/","og_site_name":"Fly Finance","article_author":"https:\/\/www.facebook.com\/shubhika.garg\/","article_published_time":"2024-12-19T11:33:11+00:00","article_modified_time":"2024-12-19T11:33:13+00:00","og_image":[{"width":1024,"height":640,"url":"https:\/\/flyblog.fly.finance\/uploads\/2024\/12\/Debit-Card-Foreign-Transaction-Fees-1.png","type":"image\/png"}],"author":"Shubhika Garg","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Shubhika Garg","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#article","isPartOf":{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/"},"author":{"name":"Shubhika Garg","@id":"https:\/\/fly.finance\/blog\/#\/schema\/person\/1f13adc00f6f67e7ed5a2fb5e97bfec6"},"headline":"Debit Card Foreign Transaction Fees: Bank-wise Schedule of Charges","datePublished":"2024-12-19T11:33:11+00:00","dateModified":"2024-12-19T11:33:13+00:00","mainEntityOfPage":{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/"},"wordCount":1409,"commentCount":0,"publisher":{"@id":"https:\/\/fly.finance\/blog\/#organization"},"image":{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#primaryimage"},"thumbnailUrl":"https:\/\/flyblog.fly.finance\/uploads\/2024\/12\/Debit-Card-Foreign-Transaction-Fees-1.png","articleSection":["Debit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#respond"]}],"accessibilityFeature":["tableOfContents"]},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/","url":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/","name":"Debit Card Foreign Transaction Fees: Bank-wise Schedule of Charges","isPartOf":{"@id":"https:\/\/fly.finance\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#primaryimage"},"image":{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#primaryimage"},"thumbnailUrl":"https:\/\/flyblog.fly.finance\/uploads\/2024\/12\/Debit-Card-Foreign-Transaction-Fees-1.png","datePublished":"2024-12-19T11:33:11+00:00","dateModified":"2024-12-19T11:33:13+00:00","description":"Discover everything you need to know about debit card foreign transaction fees and how to minimize them while traveling overseas.","breadcrumb":{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607401528"},{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607402494"},{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607402952"},{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607403578"},{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607451611"},{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607452355"},{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607452868"},{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607453388"},{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607504675"},{"@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607505381"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#primaryimage","url":"https:\/\/flyblog.fly.finance\/uploads\/2024\/12\/Debit-Card-Foreign-Transaction-Fees-1.png","contentUrl":"https:\/\/flyblog.fly.finance\/uploads\/2024\/12\/Debit-Card-Foreign-Transaction-Fees-1.png","width":1024,"height":640,"caption":"Debit Card Foreign Transaction Fees"},{"@type":"BreadcrumbList","@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/fly.finance\/blog\/"},{"@type":"ListItem","position":2,"name":"Student Bank Account","item":"https:\/\/fly.finance\/blog\/category\/student-account\/"},{"@type":"ListItem","position":3,"name":"Debit Cards","item":"https:\/\/fly.finance\/blog\/category\/student-account\/debit-cards\/"},{"@type":"ListItem","position":4,"name":"Debit Card Foreign Transaction Fees: Bank-wise Schedule of Charges"}]},{"@type":"WebSite","@id":"https:\/\/fly.finance\/blog\/#website","url":"https:\/\/fly.finance\/blog\/","name":"Fly Finance","description":"Explore blogs related to Education Loan, Student Bank Account, International Money Transfer, Scholarships along with latest news at Fly Finance.","publisher":{"@id":"https:\/\/fly.finance\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/fly.finance\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/fly.finance\/blog\/#organization","name":"Fly Finance","url":"https:\/\/fly.finance\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/fly.finance\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/flyblog.fly.finance\/wp-content\/uploads\/2024\/01\/29151141\/Fly-Finance-Logo-1.webp","contentUrl":"https:\/\/flyblog.fly.finance\/wp-content\/uploads\/2024\/01\/29151141\/Fly-Finance-Logo-1.webp","width":1080,"height":1080,"caption":"Fly Finance"},"image":{"@id":"https:\/\/fly.finance\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/fly.finance\/blog\/#\/schema\/person\/1f13adc00f6f67e7ed5a2fb5e97bfec6","name":"Shubhika Garg","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/df0315e532cdf62ee7275a4a65914c25f90ec1b0b137b1bf0bbca958325909f8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/df0315e532cdf62ee7275a4a65914c25f90ec1b0b137b1bf0bbca958325909f8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/df0315e532cdf62ee7275a4a65914c25f90ec1b0b137b1bf0bbca958325909f8?s=96&d=mm&r=g","caption":"Shubhika Garg"},"description":"Hey there! I'm Shubhika- a proud graduate in English Literature and Language from Delhi University. My journey as a content writer transitioned from online teacher into the world of words. Stepping into the domain of blogs and articles, I discovered my passion for writing growing deeper and stronger. Having said that, I have experience of writing for diverse industries in automobile, technology, ed-tech, finance and mental-health; crafting details to help you find the solution to what you are looking for. Join me as I invite you all explore and learn together.","sameAs":["https:\/\/www.facebook.com\/shubhika.garg\/","https:\/\/www.instagram.com\/shubhika.garg\/","https:\/\/www.linkedin.com\/in\/shubhikagarg71\/","https:\/\/www.tumblr.com\/blog\/shubhikahere"],"url":"https:\/\/fly.finance\/blog\/author\/shubhika\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607401528","position":1,"url":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607401528","name":"What are foreign transaction fees?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Foreign transaction fees are charges applied by banks when you use your debit card for purchases or withdrawals in foreign currencies, typically ranging from 2% to 3.5%.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607402494","position":2,"url":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607402494","name":"When do these fees apply?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Fees apply during purchases made abroad, online transactions with foreign merchants, and cash withdrawals from ATMs outside your home country.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607402952","position":3,"url":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607402952","name":"How much do debit cards typically charge for foreign transactions?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Debit cards usually charge between 3% to 3.5% of the transaction amount as a foreign transaction fee.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607403578","position":4,"url":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607403578","name":"What is the currency conversion fee?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Payment networks like Visa or MasterCard may charge a 1% fee for converting foreign currency into your home currency during transactions.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607451611","position":5,"url":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607451611","name":"What is Dynamic Currency Conversion (DCC)?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"DCC allows merchants to charge you in your home currency instead of the local currency but often includes higher fees and unfavourable exchange rates.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607452355","position":6,"url":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607452355","name":"How can I avoid foreign transaction fees?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Consider using debit cards that do not charge foreign transaction fees or opt for zero-forex markup credit cards when making international purchases.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607452868","position":7,"url":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607452868","name":"Are there any additional charges for ATM withdrawals abroad?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, ATM withdrawals abroad typically incur a fee of around INR 100 + 3.5% of the withdrawal amount, plus any local ATM charges.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607453388","position":8,"url":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607453388","name":"Do all banks charge the same foreign transaction fees?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No, foreign transaction fees vary by bank; for example, SBI charges 3%, while HDFC and ICICI charge 3.5%.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607504675","position":9,"url":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607504675","name":"Can I get a refund on foreign transaction fees?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Refunds on foreign transaction fees are rare but may be possible in cases of fraud or disputes; contact your bank for specific options.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607505381","position":10,"url":"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/debit-card-foreign-transaction-fees-bank-wise-schedule-of-charges\/#faq-question-1734607505381","name":"Is it better to use a credit card or debit card for international transactions?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"It depends on your needs; credit cards may offer rewards and benefits but can incur higher cash advance fees, while debit cards provide direct access to funds without debt.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/16547","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=16547"}],"version-history":[{"count":3,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/16547\/revisions"}],"predecessor-version":[{"id":16555,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/16547\/revisions\/16555"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/16549"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=16547"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=16547"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=16547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}