Indian Debit Cards which Work on PayPal & Google Wallet

India is a fast growing global economy and global growth implies global transactions. Besides that there are a lot of smartphone users who would be willing to buy apps from Google Play Store or Apple App Store. So while it is sad that a lot of Indian Debit and Credit cards (e.g SBI) will not work on PayPal (or Google Wallet) due to the Verified by Visa PIN being required at all times, luckily there are some banks (eg. ICICI) which do support making payments through payment systems that have not yet implemented the Verified by Visa or MasterCard SecureCode authentication. Here I have tried to list and compare some of those.

Indian Cards working on PayPal & other Non-VBV Sites

Update: There’s some news about a new RBI circular making the 2-factor authentication compulsory. But that’s only for when the seller is located in India. More in this comment.

Because there are a number of banks in India with each one offering a lot of different types of cards, it is impossible for me to check all of them. So, I want input from you, dear visitors on whether your Debit/Credit card works or not.
Card Issuer (Bank Name)
[EMV Chip based cards ONLY]
Debit CardCredit Card
PayPalGoogle WalletPayPalGoogle Wallet
Kotak Mahindra BankYESYESYESYES
Union Bank Digipurse Wallet (Virtual)
Bank of Baroda (Visa)NONOYES?YES?
Indian Overseas BankYESYESYES?YES?
Karur Vysya BankNONONONO
Oriental Bank of Commerce (OBC)NONONONO
Punjab National BankNONONONO
State Bank of India (inc. subsidiaries)NONONONO
Union Bank of India (UBI)NONONONO
 Vijaya BankNONONONO

* The above table is made from data collected and/or contributed by visitors. I don’t claim it to be fully authentic.

Please do note that banks issue different type of cards and there will be some which will work and some which will not. So, it would also be nice if you consult your bank in advance and opt for that particular card only if you’re going to open a new bank account. Also make sure that you opt for a Global card and not the one which is valid for India, Nepal and Bhutan only.

axis icici debit cards

Activation Procedure

Mentioned below are the additional details which would be helpful in activating the international usage on the cards. Your bank’s support needs to be helpful for the success.

Axis Bank – I’ve personally used a Debit Card issued by Axis Bank and it went in smooth. I was able to make a payment minutes after getting my card activated. I opted for an Axis Prime card and got the VBV/3D passcode set up and then called up the helpline to enable International Usage (can be done easily using the IVR or via the NetBanking as well). To activate using new net banking interface, go to Accounts> My debit cards> More Services> Change Usage Preferences.

ICICI Bank – ICICI Bank customers just need to call up the helpline and speak to a live representative to ask for the activation of International Payment on their cards. It takes around 24 hours to get activated and thereafter you can use your card on all the shopping ports including PayPal and Google Wallet. You can also send an SMS in the form INTL <space> last four digit of your debit card number to 5676766 to enable international transactions.

Kotak Mahindra Bank – I’ve myself tried with Kotak Jifi account which comes with EMV Chip based international debit card (visa). All that was needed to be done was to use Debit Card at any ATM to activate it and it immediately started working on PayPal and other sites.
Others have confirmed that other debit cards from Kotak Mahindra Bank also work fine. If international usage is not enabled on your card, login to Net banking and enable the same.

Bank of Baroda – Make sure you have an International Chip based card. Call the helpline or enable international transactions or do it via the NetBanking and wait for 24 hours before starting to use your card internationally.

Union Bank of India – As reported by Niraj Bathwar in the comments, he can use his UBI Card on PayPal pretty easily. All he did was to call the helpline and opt for activation of international usage.

* The above data comes from what others have mentioned or contributed. I don’t claim it to be fully authentic.

But.. My Debit Card is an International Card!

Sure, almost all of the banks do issue international debit card these days and whilst they can be used internationally for withdrawing cash via ATMs or at POS, they will not work when using them for an online transaction. This is because the banks have made it mandatory to authenticate every transaction using the MasterCard or Visa 3D PIN. So unless the shopping website or its payment intermediary implements the 3D code authentication, your card will not work.

So why do some cards work?

Basically that’s dependent on the individual bank and its policies. Some say that RBI has given out guidelines that VBV authorization is compulsory, but because some banks do work, it seems that the statement is not fully true.

Listed below are some of the FAQs that I’ve come across. If you have something to ask or contribute, please leave that in the comments section below 🙂

Can my card be automatically charged again?

The cards which work without the 3D authentication can be charged multiple times and hence it is the responsibility of the users to cancel their subscriptions in advance before their renewal comes close.

What happens on sites with VBV Implementation?

If you have a Debit/Credit card from one of the working banks (as stated above) and come across a website/payment intermediary which has already implemented the Verified by Visa or MasterCard SecureCode authentication, you cannot make a payment unless you setup VBV/3D code and enter the 3D code on the respective authentication page. In short, although these cards do work on websites which have not implemented 3D authentication, they will require the 3D code on the websites which have it implemented.

Thanks to:

  • Thiruberg for providing the SMS short code for ICICI Bank
  • Niraj Bathwar for confirming UBI cards to be working on PayPal
  • Thanks surya for mentioning SBIinTouch cards and providing the application form.
  • Rupanjan, Samir and others for updating about the SBIinTouch card not working anymore
  • Sunil Pande for confirming that Baroda cards are not working 
  • Arif basha for informing about karur vysya visa cards not working
  • Sammy for re-confirming that Indian Bank EMV Mastercard is working
  • Jayamurali for informing that South Indian Bank cards are working

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888 Responses to Indian Debit Cards which Work on PayPal & Google Wallet

  1. Ramesh August 31, 2016 at 8:31 am #


    I’m currently in USA & I’ve Indian Bank World Master card which I want to use to withdraw money in US via ATM.

    1. If I use this card to withdraw cash at ATM in US, how much fees in dollars that ATM will charge to this card?
    2. Apart from above fees, will there be any other additional fees charged as well like currency conversion or service fee, etc?

    I want to find an ATM which charges minimal fees. Can someone share their experience?


    • Narender Singh August 31, 2016 at 9:11 am #

      The charges differ from bank to bank and I’m not sure how much Indian Bank will charge. You should consult the bank support team to enquire about the exact charges.
      If you find an Indian Bank ATM (which is highly unlikely), you’ll probably encounter lesser charges.
      Standard setup for most banks is –
      Fixed charge of 100~150 (plus service tax)
      Currency conversion charge of 3.5% (plus service tax).

      All ATMs will ideally charge the same fees since these charges are the standard bank charges for a Visa/MasterCard transaction happening outside India.

  2. Nag September 2, 2016 at 5:50 pm #

    In indian overseas bank which debit card i have to apply ?

    • kanna September 9, 2016 at 1:28 pm #

      Indian Overseas Bank’s (IOB) EMV Platinum Debit card seems to be working on all International Cross Currency payment gateways like PayPal, Google Wallet, Stripe etc….

      • Nag September 10, 2016 at 9:53 am #

        Thank you

      • brijesh September 23, 2016 at 4:33 pm #

        I want to open a account in iob bank but i need introducer for that, can u help me by giving ur name, account no. ,and address to open the account?

  3. Ram September 2, 2016 at 10:04 pm #

    Hi sir, can you please tell which of the following bank accounts(not cards) will PayPal accept— Union Bank of India, ICICI Bank, Oriental Bank of Commerce, Hdfc??

    • Narender Singh September 3, 2016 at 4:18 pm #

      What do you mean by bank accounts? Are you referring to the accounts for withdrawing money? If so, you can withdraw money to any bank account.

      • Ram September 16, 2016 at 2:16 pm #

        Ohh will any bank account work of I want to “link a bank account”? Thanks.

  4. sajeesh September 4, 2016 at 10:54 am #

    supper boy thanks a lot .
    this info even dont have paypal and the bank

  5. Jusha September 9, 2016 at 11:40 am #

    My UBI (Union Bank of India) card was successfully added to PayPal and I saw the temporary PayPal charge on my bank statement (About 65 rupees). But when I try to make payments, it is getting declined. I contacted senior staff at UBI and they informed me that PayPal is only sending the CVV number while adding the card but it is not sending the CVV on subsequent transactions and hence it is getting declined as the CVV number is mandatory for all transactions. The UBI staff has contacted PayPal but PayPal is not willing to cooperate. I contacted PayPal customer care and they just copy/paste the same answer each time asking me to call the bank.
    They did not even read the mail I sent them.

    • Narender Singh September 9, 2016 at 4:30 pm #

      That can be very well possible since Amazon does the same as well. For credit cards, the companies not presenting CVV bear additional risk as in the case of a stolen card, they are penalized. But that’s how their setup is. PayPal still verifies the CVV; probably doesn’t even ask for one. And it is highly unlikely that they will change their system anyways. So your last resort is using one of the supported banks.

      • Jusha September 9, 2016 at 10:42 pm #

        Okay, that makes sense. What is your opinion about Citibank cards? They have a higher barrier to entry (1 Lakh opening balance) but can I expect it to work on a whole bunch of other international sites as well since it’s a much bigger bank than the others?

        Between VISA and Mastercard, is there any reason to prefer one from the other? PayPal recently made a major deal with Mastercard so should I just go with that or does that not really matter?

      • Jusha September 9, 2016 at 10:45 pm #

        Forgot the link –

        I might just cancel my VISA at UBI and get a Mastercard and see if there’s any difference. If it still doesn’t work, I’m going with a different bank.

        • Narender Singh September 10, 2016 at 1:01 am #

          I haven’t had the bank balance to even check out Citibank, but considering that they are a global bank with presence almost everywhere, it is highly likely that the facility to make seamless international payments would be available. At least in the way other private banks in India are doing – by providing a card with international usage deactivated, but giving you an option to activate the same when needed.
          I’m of the opinion that Mastercard and Visa are essentially the same for an end user. Since the way PayPal processes the payments is still the same, they will push the same information (no CVV2) while processing a payment, you’ll have equal luck going with either.
          The same article links to a previous deal which PayPal signed with Visa. For me, they only differentiate with some exclusive offers, other than that, both have worked more or less the same way for me.

    • bob November 2, 2016 at 8:44 am #

      same thing is happening with my hdfc plantinum chip card ,the card is linked and confirmed on paypal and yet when i tried to pay using paypal it declines ,but its working on amazon and aliexpress and gets declined on other usa sites ,when contacted the bank,they told me everything seems fine with the card ,and it should work

  6. Amedo Pusa September 28, 2016 at 4:40 pm #

    I have to activate my card to overseas banking.. How do I do it.. It’s from ICICI. Bank..

    • Narender Singh September 28, 2016 at 11:45 pm #

      Did you try – SMS in the form INTL last four digit of your debit card number to 5676766 to enable international transactions.

  7. Amedo Pusa September 29, 2016 at 8:11 am #

    Yes.. Already.. But still not activated

  8. Asif October 2, 2016 at 3:35 pm #

    Hello sir I always deposit to my Neteller account through my Baroda platinum international debit card visa. And everytime it gets charged 1.9% but today I deposited it charges around 11% from my bank account
    Suppose I deposit to Neteller 5k then overall charges is 95rs only and now it’s was 513.85rs charges on deposit of 5k Neteller. Can u tell me what to do next..

    • Narender Singh October 2, 2016 at 3:46 pm #

      You should contact BOB regarding the difference in the amounts. Maybe currency fluctuation has caused that.

  9. Anon October 2, 2016 at 10:38 pm #

    Do the Indian Overseas Bank debit cards work? I did read that the platinum cards work but I was wondering whether the regular savings bank account cards work too. This would most likely be an internationally activated (classic?) debit card.

    I tried setting up a Netflix account with my SBI Intouch debit card but it failed. Please do try setting up a Netflix account with your regular IOB debit card and let me know if that works. It’s free for a month and you won’t get charged.

    Thanks in advance.

  10. Asif October 5, 2016 at 10:11 pm #

    Can anybody tell me, if I deposit from my indianbank mastercard world debit card. 5000 inr to Neteller account. Then how much bank charges for this, while Neteller charges is 1.9%. if anybody uses before please tell me total charges for that.

  11. Kanna October 11, 2016 at 12:17 am #

    Excellent service !!
    Dial * 99# to do basic Banking instantly. One can check balance for accounts, mini statement where the mobile number is registered & no internet required. Below are the direct codes for banks::
    * 99* 41#-State Bank of India
    * 99* 42#- Punjab National Bank
    * 99* 43#-HDFC Bank
    * 99* 44#-ICICI Bank
    * 99* 45#-AXIS Bank
    * 99* 46#-Canara Bank
    * 99* 47#- Bank Of India
    * 99* 48#-Bank of Baroda
    * 99* 49#-IDBI Bank
    * 99* 50#-Union Bank of India
    * 99* 51#-Central Bank of India
    * 99* 52#-India Overseas Bank
    * 99* 53#-Oriental Bank of Commerce
    * 99* 54#-Allahabad Bank
    * 99* 55#-Syndicate Bank
    * 99* 56#-UCO Bank
    * 99* 57#-Corporation Bank
    * 99* 58#- Indian Bank
    * 99* 59#-Andhra Bank
    * 99* 60#- State Bank Of Hyderabad
    * 99* 61#- Bank of Maharashtra
    * 99* 62#- State Bank of Patiala
    * 99* 63#- United Bank of India
    * 99* 64#-Vijaya Bank
    * 99* 65#-Dena Bank
    * 99* 66#-Yes Bank
    * 99* 67#-State Bank of Travancore
    * 99* 68#-Kotak Mahindra Bank
    * 99* 69#-IndusInd Bank
    * 99* 70#- State Bank of Bikaner and Jaipur
    * 99* 71#- Punjab and Sind Bank
    * 99* 72#-Federal Bank
    * 99* 73#-State Bank of Mysore
    * 99* 74#-South Indian Bank
    * 99* 75#-Karur Vysya Bank
    * 99* 76#-Karnataka Bank
    * 99* 77#-Tamilnad Mercantile Bank
    * 99* 78#-DCB Bank
    * 99* 79#- Ratnakar Bank
    * 99* 80#-Nainital Bank
    * 99* 81#-Janata Sahakari Bank
    * 99* 82#-Mehsana Urban Co-Operative Bank
    * 99* 83#-NKGSB Bank
    * 99* 84#-Saraswat Bank
    * 99* 85#-Apna Sahakari Bank
    * 99* 86#-Bhartiya Mahila Bank
    * 99* 87#- Abhyudaya Co-Operative Bank
    * 99* 88#-Punjab & Maharashtra Co-operative Bank
    * 99* 89#-Hasti Co-Operative Bank
    * 99* 90#- Gujarat State Co-Operative Bank
    * 99* 91#- Kalupur Commercial Co-Operative Bank

    Also u can dial * 99* 99# to know your Aadhaar linking and OverDraft Status.

  12. Asif October 11, 2016 at 11:21 am #

    Can anybody tell me, if I deposit from my indianbank mastercard world debit card. 5000 inr to Neteller account. Then how much bank charges for this, while Neteller charges is 1.9%. if anybody uses before please tell me total charges for that.
    Please anybody tell. I should be very grateful if anybody will tell.

  13. Crooker October 19, 2016 at 11:11 am #

    Thanks information was so helpful

  14. sid October 19, 2016 at 7:03 pm #

    Confirming that Standard Chartered Bank no longer offers support for PayPal as of October 2016.

    Puzzling decision from their end, I (and I’m sure 90% of online shoppers) will be closing their accounts there…

    • Narender Singh October 19, 2016 at 10:56 pm #

      That’s pretty crazy. I wonder why did they do that if it was working earlier? Is there a press release or something where they announced that? 🙂

  15. Rahul October 22, 2016 at 2:34 pm #

    Does Paypal support Canara Bank?

    • Narender Singh October 22, 2016 at 6:53 pm #

      No. It doesn’t. In fact it’s Canara bank which doesn’t support PayPal 😛

  16. vaibhav October 25, 2016 at 5:09 pm #

    i called UBI customer care, but they refuse . and said that bank is not linked with pay pal. so cant transact online.

  17. Mandeep November 7, 2016 at 11:18 pm #

    Great article. Been sharing this with my customers.

    I’m a U.S based merchant. Running into issues accepting payment via PayPal.

    How do I go about accepting Indian based debit cards?

    • Narender Singh November 8, 2016 at 1:30 am #

      Thank you for the nice words. Coming to your query, I don’t think there is an Indian gateway which you can make use of without having a local bank account in India and fulfilling the other formalities of the gateway.
      Your best way out should be to implement a gateway which makes use of 3D authentication via VBV or MSC. Many intentional websites have started supporting this advanced card protection. Also, majority of the Indian cards are international and will work fine if you use a gateway which can do 3D authentication.

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