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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 Card Credit Card
PayPal Google Wallet PayPal Google Wallet
Axis Bank YES YES YES YES
HDFC Bank YES YES YES YES
ICICI Bank YES YES YES YES
Indian Bank YES YES YES YES
Kotak Mahindra Bank
including Kotak 811
YES YES YES YES
South Indian Bank YES YES YES YES
State Bank of India
(Visa Global Card)
YES YES N/A N/A
Union Bank Digipurse Wallet (Virtual)
NO? NO? N/A N/A
Bank of Baroda (Visa) Yes Yes YES? YES?
Indian Overseas Bank YES YES YES? YES?
Karur Vysya Bank NO NO NO NO
Oriental Bank of Commerce (OBC) NO NO NO NO
Punjab National Bank NO NO NO NO
Union Bank of India (UBI) NO NO NO NO
 Vijaya Bank NO NO NO NO

* 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.

State Bank of India – Thanks to many who commented below to inform about the SBI cards. I’ve also personally tested it and it works. If you have an International Visa card from SBI, you can activate international usage by going to –  NetBanking > e-Services > ATM Card services (from left sidebar) > ATM card limit/channel/usage change > Change usage type > International Usage > Enable.

* 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

977 Comments

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  • I have an ubi rupay card which is international usage enabled, but when i am paying in dollars it isnt supported. I have visa card of idbi bank and i enabled international usage on it, but it still doesnt works!!!

  • I have a SBI global VISA card. Its international usage is enabled. Still i am unable to use the card for international online payments. The online portal keeps asking me to contact the bank. The bank denies saying it is enabled from our end and the card is also working so they don’t know why this is happening. What to do?

    • I have andhra bank debite card ky mai ise card ko paypal m use krke dusre country main balance transfer kr skta hu ya ni

  • My Axis Bank Prime Titanium Rewards Master Card used to work with Paypal.From this month, my debit card is not working.I can add it to paypal without any problem but when it comes to payment I get the message that ” Transaction is declined by the bank blah blah blah”.

    Which card you using?

  • Bank of Baroda debit supports Paypal and I am using it for one last year. Just give them an application to give you an international debit card, they charged me 175 at the end of the year.

    I have used it to make Payment overseas and no merchant declined my card.

    • i using bob rupay debit card but dose not work on paypal can you say which bob card you use ?

      can you please give repay to this insta id : lili_sister._
      thanks..

    • Hi Soumyajit, Rupay cards are not supported by PayPal. You will need a Visa or MasterCard. However, in that case too, I don’t think Bandhan Bank’s Visa/MasterCard will be supported by PayPal.

      • I have a Master card it is classic, but still it is not working. In the corner of card it is writtent that valid only in india. Can you please suggest exact card of SBI for paypal?

  • Indian Bank EMV Mastercard World works flawless across all international payment sites like Paypal & everything else mentioned in the article as well as user comments. You just have to select Debit card payment if you come across a card options page OR certain sites where i’m donating (like adblock) or subscribing (like Google music), the OTP verification is not even needed and the payment happens instantaneously (like between 2003 and 2006 where we did not have to enter ATM Pin at Swiping machines at restaurants/stores 🙂 ) after entering card just the card details. It doesn’t require activation of international usage and works out of the box. I’ve donated to ad-block and it worked like a credit card without even OTP being recieved which is a bonus.

  • I linked my AXIS bank debit card to my PayPal account. It did not work.
    I called the customer care. They told me AXIS bank cards don’t work with PayPal.

      • Yes, my card does have a chip amd international usage is active. Still I was unable to make international online payment using paypal. Anyways, the customer care guy told that it won’t work with paypal. I will confirm once again.

      • Though the card is activated for e-commerce,the payment has not gone through.The reason they (Customer service of card issuer) said is that- Paypal is not a VBV site…???

        • Which card are you using? Yes PayPal does not use VBV and unless your card allows such transactions, it won’t go through.

  • Union Bank International Debit Card Works on Paypal but only when the card is first (Verified by Visa) procedure is completed through Bank’s website link as below
    https://www.unionbankonline.co.in/

    In the above website there is one link at the bottom for Verified by Visa which takes you to this site as below
    https://acs12.enstage-sas.com/ACSWeb/EnrollWeb/UnionBank/main/index.jsp.

    So I think Unless the Card are Verified by Visa they will not work for Paypal.
    All the Major Banks have some where links for Verified by Visa. So its better to verify the card & then Try.

    I have successfully added my Union bank International Debit Card to Paypal

    Hope this useful for all

  • I have paypal account but here not connected my state bank of india account and debit card so pls tell me wht i do??

  • One more thing accepting card in PayPal is not a big deal, only if u r able to conduct a successful money transaction, then we can say that it is working.

  • I use kotak 811 zero balance account I Am able to use my virtual card everywhere tested in Google pay, aliexpress, Amazon USA.
    From my experience kotak is the only bank which provides international transaction on all debit cards. The most interesting part is that you can active and deactivate international transaction in 5 min through its Mobile app.

  • Today I linked smoothly my BANK OF INDIA classic visa debit card to PayPal. So I think Bank Of India starts supporting PayPal. But when I tried on Google Play Store it says invalid card details.

  • Guys is SBI Visa Global card (with evm chip) still working fine on paypal and play store ? I want to apply for it so just want to know if its still working or not.

      • could you please confirm if you have send any payment using your card? i have silver card which added to paypal but cannot send any money with it always shows

        “There seems to be a problem

        Your payment method isn’t working. Do you want to try again with another card or bank?

        If you continue to encounter problems, please contact customer service.”

  • Ok here’s my input.

    I was looking to buy a course on udemy. As for note udemy only supports 2 types of payment modes as listed below
    (1) International Credit / Debit Card
    (2) Paypal

    So i have to go with debit card mode / paypal as i don’t have credit card and it doesn’t support netbanking
    At first i tried to buy that course using “Bank Of Baroda Debit Card – Activated with Verified By Visa”. But didn’t work. then i tried to link the same card to paypal account but again it didn’t work.

    So i started researching on which Indian debit cards supports online transaction through paypal ? And stumble upon your article. And found “HDFC Debit Card” in working list.

    So first i activated my debit card for international usage through HDFC netbanking.
    You can also do the same using following step

    Note:- You will be asked for otp verification on your registered mobile number.

    (1) Login to your hdfc netbanking and click on “cards” tab besides “Billpay & recharge tab”

    (2) Then on left side you will see sidebar with different option
    Go to
    Debit Card -> Request
    -> Set International / Domestic Usage
    -> Select your card
    -> Select “card to be enabled for international & domestic usage”
    -> Save it.

    That’s it after that i tried to link it to paypal and it worked like a charm. So from my experience i can tell you that HDFC Debit card is 100% working with paypal !

  • hey visa SBI global card is better or State Bank Platinum International for PayPal and Payoneer.actually, I want to buy hosting from ehost and they accept debit cards also as which debit cards are accepted by them

  • Very informative article about PayPal. I just read that PayPal will shortly stop serving Turkey due to regulatory restrictions.

  • could you confirm this, i have got a Axis bank Prime debit card, can international transactions be enabled in that card. usually on international cards its written ‘international debit card’ but i dont see this written in my card. its a EMV chip card though .

    • If u r saying about axis bank card , then I don’t know about this card.but I think u have activate it manually for international transaction.
      But for further assistance u need to go ur axis bank Branch.

  • Heyyy friends today I got my visa SBI global card.
    It’s confirmed by me that it’s works with PayPal.
    I have just ordered 3 things through PayPal from GearBest .Com.
    It’s done and I am very happy.

    • When did you applied for SBI global debit card? What type of account you have with SBI and what is the minimum balance required for that account opening? I got worst service from Bank Of India they issued me RuPay debit card only and refused to issue VISA debit card. So I am seeking to switch to SBI as it`s VISA global debit card is reported to be working on PayPal and google play store!

      • Go to SBI branch and open normal SB account.
        And apply for this card and also told him to provide only this card.

        • Also apply for Internet banking.u can apply this card through internet banking without going to branch.its very easy.

    • Yes, my EMV chip based card works fine on PayPal. Just activate the international usage via netbanking.

      • So what should be the minimum balance a customer has to keep to get an international debit card from Axis bank which can be used in PayPal?

        • That differs from region to region actually. My account requires a balance of 10,000.
          But this is not regarding international card. They usually will not open a zero balance account for you. If you manage to get one, somebody here mentioned that he was able to request for an international EMV card after paying the required charges of the card.

  • Is Indian Bank Debit Card Accept With PayPal for Purchase online from abroad/out of India???
    If yes.then is it confirmed?If yes then I will go for it.

  • I can confirm that my STATE BANK OF INDIA GLOBAL DEBIT CARD (VISA) is now working on paypal and play store. I just bought an app on play store and also got instant refund on my debit card. Also i donated freemake video converter using my debit card through paypal.

    • Is the global SBI MasterCard will work with PayPal?If yes , then can u pls tell me that if I have to activate it for international transaction or not by manually??

      • You have to enable international transaction via onlinesbi.com or contacting the branch. My sbi visa global debit card is working fine with play store and PayPal since yesterday and i believe mastercard will work too.

      • I always kept trying it for many days. But from yesterday my card is working on play store and PayPal also. I myself couldn’t believe it but now it is working and also if i ask for app refund it is instantly credited back to my account. Donations through PayPal are working. I donated to freemake and it went smoothly. Also Aliexpress is not asking for any otp (before it used to). But if I am transacting om indian websites, otp is required. My international Transaction is enabled for months now but it required otp before but no otp required now.

          • Just to confirm again

            Thank you for using your SBI Debit Card XXXXXXXXX for a purchase worth Rs19 on POS 248934066603177 at GOOGLE *Vertumus txn# 707987124686.

              • No extra charges just the amount i entered got debited. No other specific mention of any charge on my bank account statement.

            • I see. I just had a friend to try it out and it worked for Play Store. For PayPal and others, the charge is debited and then instantly reversed back. So the transaction keeps failing.

              I’ll check with another friend later today.

              • I am happy that mine works on paypal.That’s all i can say. This message is for the money i donated via PayPal using my debit card.

                Thank you for using your SBI Debit Card XXXXXXXXX for a purchase worth Rs71 on POS 000638021618999 at PAYPAL *DIGITALWAVE txn# 700783765115.

                Also i added my debit card to PayPal before transacting and it just debited and Refunded Re. 1 for confirming instead of 1 dollar.

                • I have an SBI global Debit card and is a master card. I tried adding with my PayPal account, but while confirming the card PayPal says the card is not accepted. So only visa global card works with PayPal ?

                  • The reason it says card not accepted is that it is not credit card. Only credit cards can be verified because paypal can put money on hold on credit card only not debit card. But you can carry out transactions usimg PayPal since debit card is already added.

                    • @ Narender singh, yes i did turn on the international usage via net banking. Since its a mastercard , is there a chance for getting rejected? Piyush was mentioning about Visa global cards before.

                      @Piyush, i was trying to make payment via Paypal only. i will have to talk with paypal customer care to find the issue.

                    • The only thing I know is that RBI’s notification says that only EMV-chip embedded cards be allowed for international usage. Earlier anybody who used the card internationally was forcefully issued an EMV card. Just confirming if you happen to have a non-EMV chip-based card?
                      I’m checking with a few friends right now if somebody has a MasterCard. Visa gold card worked for one. Talking of PayPal support, I can bet that they will not provide you with any positive answer.

                      @Piyush – I’ve had my Axis Bank debit card verified on PayPal. Authorizations/holds can be made on debit cards as well 🙂

                    • Just confirmed. A friends’s MasterCard does not work on PayPal, works only on Google Play. So, seems like MasterCard will not work 😐

  • I Hava obc visa electron international debit card..
    So can i use this card in Nepal?
    If yes in which bank?
    And how much will be charges?

  • Even I faced similar issues with Central Bank of India debit card. Of course they didn’t have any idea about it, unless I opt for netbanking I won’t be able to buy from Google Play. When can we expect any changes? Especially after demonetisation.

  • I am interested to know that What is the procedure of activation of HDFC debit card for international online transactions?
    And which hdfc debit card will work fine.

  • They were State Bank Of India, Bank Of India, Bank Of Maharashtra, Bank of Baroda. Out of that I have continued with Bank Of India only, I have closed remaining accounts. I just applied for Bank Of India`s International VISA debit card, but the bank authority said that they have mentioned VISA card specifically on my application. Monthly average bank balance is also greater than 10,000 Rs, and it is “Regular Saving Account” not the “Zero Balance Account”. But the card department would dispatch RuPay card only. By the way, that card will arriving soon in the next week. Hope so it will be International VISA debit card!
    Thank you for information, Your blog is so smart since it is up-to-date with latest updates.
    I would like to go through your blog daily.

  • Actually I want to register for Google Play Developer console, for that purpose Google won`t provide facility of Internet banking. They demand credit or debit cards only.
    Another thing I want to confirm that, Does private sector banks like ICICI, HDFC etc issues VISA debit cards? Because I gone through many public sector banks, they just stopped “RuPay” debit card i my hand and told me that their banks has discontinued to issue VISA debit cards. Their so called swadeshi “RuPay” debit card is totally useless for online transactions, many sites dose`t support RuPay platform. I just blame them and closed accounts with PSU banks. An finally I am seeking to go with ICICI.

    • Oh? Which bank was it? The customers are free to choose the card they need and it was just about a week ago when I applied for a Visa card with Oriental Bank of Commerce (PSU Bank). There might be some guidelines to stress more on RuPay cards, but somebody who needs for international usage should be allowed to take the Visa/MasterCard options. RuPay is good though because you end up paying lesser as commission to Visa or MasterCard. Having more RuPay cards in the market will definitely force all Indian merchants to accept them 🙂
      Private Banks continue to offer Visa Cards. You just need to strictly mention to them about the card you will be needing at the time of account opening. Avoiding insta kits and waiting for a card sent via post is also a better option.

  • I just read a news that RBI has relaxed 2 tier authentication process such as Vbv, 3D Secure PIN, OTP etc for debit card payments upto Rs 2000.
    So will these desicion made indian debit cards to work on play store for payment upto Rs 2000?

  • Can anyone tell me how i can add fund in PAYZA in USD ?I tried to add through my SBI DEBIT CARD but in payza it shows in INR .

    • To what I know, you will need an international credit/debit card from the banks mentioned in the post and choose to be billed in USD. Else you can exchange INR to USD as needed.

  • 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?

    • Hi,
      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.

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

  • 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…

    • 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? 🙂

      • Hello sir i have sbi debit card(silver) my card gets declined whenever i try to buy something through paypal (overseas) pls tell me how to activate the card for the same, thankyou

      • hello sir mera axis bank master card paypal se payment nahi horaha hai kyu.

        ussme bata raha hai your master is not activated for international usased

        konsa lena bank se reply

  • 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.

  • 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.

  • 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.

  • 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.

  • 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..

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

    • Dont add anything with INTL , just let it be sent alone and your card will be activated within 48 hours.
      I tried sending INTL with last 4 digit but didn’t work for me and got error msg from icici that the ketword was wrong.
      Then I searched icici website and found that we no need to add anything with INTL.

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

  • 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.

    • 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; Amazon.com 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.

      • 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?

        • 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.

    • 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

  • 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??

  • Hello,

    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?

    Thanks!

    • 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.

  • Hi Mr. Narinder,

    Seeing your post, I applied for an Indian Bank account and pestered them for an EMV world Master card. I received the card Just now. The bank guy said that since I already received the PIN my card will work from tomorrow. Will try to do a withdrawal tomorrow to check and see.

    My primary use of this card will be on Google playstore and Ali Express along with some international sites.
    Is there anything I need to do like call up their helpline number and opt for any thing or the card works straight away at these sites.

    I will be using my other SBI International debit card for Indian based sites like Amazon, Flipkart etc.

    Any help in this regard will be highly appreciated.

    Thanks and best regards

    Praveen Das

    • Hello Parveen

      Actually, I haven’t personally tried cards from Indian Bank, but others in this comments thread have suggested that it works. From those comments, nobody mentioned any activation, so it probably works out of the box without doing anything. Just make 1 transaction on an ATM to activate the card and then try using it on PayPal.
      In fact, your SBI card (if it is international) should work on AliExpress since AliExpresss supports VBV/MSC authentication.

    • It might work. We have received a mixed response, so you need to try it to find out. Make sure that International usage is enabled by contacting the bank.

  • I also tried IDBI BANK emv VISA DEBIT CARD on paypal but it doesn’t works ,please tell me the nationalised banks which card works on paypal, I m getting rid off 🙁 no card is working

    • The banks confirmed to be working are already listed, buddy. You should go with one of them for smooth international transactions.

  • U mean it doesn’t work sbi global debit card right ??
    I have account in Indian Bank, which debit card will accept the payment .
    Thanking you

    • Any international debit card from Indian Bank will work. Go with MasterCard powered one as others have reported it to be working.

  • My sbi intouch debit card working in paypal and google play store….i just go to internet banking and activate to CN channel and international transaction.. its really working…

        • No. You need to maintain a minimum of 10,000 in the account. If you fell short, you need to add more so that the average of 30 days is equal to or more than 10,000. Else you will be charged a fine.

  • somehow my sbi global debit card is not working when i linked to it my bank account in paypal. On top of it, i lost 68.15 rupees thrice ( i dont know why).can someone explain my situation?
    i asked help centre butthey didnt give me proper answer

    • Only possible answer could be that the card is not supported on PayPal. The charge deducted from your card should get refunded in the next 30 days. That said, I’ve not seen anybody (recently) conducting a successful transaction on PayPal using a SBI Card.

  • Digipurse stopped working with Paypal and Entropay. Digipurse customer care said they have disabled intenational transactions.

  • Hi, I got my Indian Bank EMV master card 2 days ago. I linked this card with paypal without any problem, they didnot even send money to my card to verify, but they verified using PAN CARD(Its a must for PayPal). Then I made a transaction, it worked perfectly fine. Out of curiosity, I tried to add it on my google play account. it got instantly added. So Indian Bank EMV MasterCrad works perfectly and is also the best because you need just 500rs/- to open an acc in Indan Bank. But you will have problem in asking the manager to issue you MasterCard( In my case, the ASS.Manager(:p) didn’t even know that they issue a masterCard, He was stunned on seeing the masterCard image i showed him). there will be lot questions, but you have to be stubborn.
    TIP: tell them that you are working as a freelancer and you have to make international transactions regularly to pay your clients. you are opening account in the bank mainly for the purpose of international transactions since sbi cards are not accepted.

    It takes about 20 for the card to arrive at your branch. and 24 or 72 hours to get activated

    • I also have indian bank master card it works fine for international payments,but for verifying card in paypal 4-digit code is not showing in the statement.And another problem if any refunds is there to your card there will be a problem recieving the funds..and for getting the refunds you have to contact the branch because i faced this problem 3 times..

      • can you elaborate what type of problem you faced and how you rectified them ? as I am expecting a refund and I added my Indian bank account as Primary Account on PayPal . thank in advance .

    • How can you create an account with 500rs and issue a ATM cum International Debit Card / Global Credit Card ?

    • While it is still working, I’ll mark them as not working since many have said that it does not work for them. Thanks for your input too, Gowthamraj.

  • I am using ICICI Bank Expression Debit Card to link my PayPal account. It working fine with PayPal. Only require to active card for International transaction before linking to PaPal.

      • Hi Kuruba. ICICI Bank Expression debit card is Chip based VISA card. Its working for international transactions. It can get with opening new regular saving ac in ICICI Bank or already have ac apply for it. Current annual fee is 499 plus service taxes.

    • as far as credit cards are concerned all of them will work, make sure u activate international transactions on them, i think u r talking about central bank aspire credit card, for that u will have to do a fd of min 20k for 1 year i guess.

      • I have strong doubts on your saying that all credit cards will work, but I’ll give you the benefit of doubt.

        • frankly i havent used any credit card myself, so i would advise to first make 100% sure whether a credit card is working or not.

          • Most of us Indians don’t have credit cards, so I believe this won’t be relevant to most of the blog visitors. Anyways, you’ve just completed 25 comments on the blog and I’m sending a small appreciation in you email mailbox 🙂 Thanks for being helpful!

            • @Narender. hey thanks a lot for the token bro, kudos to u for making such a informative site and helping everyone regarding international payment options in India

  • Thanks Mr. Perfect for clarification. Sammy, do you use indian bank debit card with paypal?

    • no bro i havent yet tried it wit paypal, i dont use pay pal much, i wanted a card for origin , steam and battle.net only so i use the card directly.

  • No card from sbi works with paypal, so dont waste ur time. Either go with indian bank mastercard (cheap solution ) OR go with ICICI bank, icici has zero balacnec a/c also but they will issue rupay card but if u convince them they can issue visa card also

  • Hi,
    I found sbi is offering chip based evm cards like global dc, silver dc, platinum and gold dc. Will these work with paypal?

      • Dear Narinder Singh,
        My PNB providing me the International Debit Card by Mastercard(CHIP) with new account. may i know it will work for google playstore or facebook ads? because bankers are saying it will work. But I was realized that they are not confident about it. so lil bit confused

        • I’m 99.9% confident that it will not work because PNB forces the 3D authentication. You can still give it a try if you wanna try for the 0.1% possibility 🙂

    • There is nothing like rupay MasterCard. MasterCard , visa and rupay are three different service providers for debit and credit card. Mastercard and visa are international ones while rupay is domestic only. Rupay is an entirely different company not related to mastercard or visa.

      • today i got my Indian bank evm master card global i went to atm and activated it by doing transaction(any atm would do not necessarily Indian bank). then i went to origin in shipping address i entered my address exactly as on passbook. and then i added my card and it worked. origin accepted my card just like credit card i could even purchase origin access. this is the best international card one can get for international transactions. and minimum avg bal for Indian bank is only rs250 (without cheque book) and 500(with chequebook)

        • and it works on steam too just bought gta5 using same, for every transaction they carge rs 30, so if u r buying from steam or origin first of all add all the games that u want to buy to cart and then proceed to pay. otherwise u will be carged rs30 for each game

          • OK so let me clarify charges. Just now I saw my account details. And looks like I was not charged a single rupee by steam. Verification or processing fees were not charged by steam. But when I registered with origin it charged me with rs 65 probably for verification.

            • Yes, one-time card verification charges would be charged by nearly every payment processor. And these are usually refunded within a week or 30 days at max.

          • That’s great. So finally we have a bank which works everywhere without having those high balance requirements. Great! Will update the chart in the post.

            • yes bro actually u already have Indian bank evm master card listed in ur chart that was the reason is went for it thanks a ton man

              • Yes, but I wasn’t aware that it had low balance requirement. I was of the view that even it will be the same 10,000 🙂

              • Hi,
                please tell me how do you get emv card as most of the bank managers refuse to issue emv vard. And in indian bank website although they are showing emv card, on clicking this it redirects to mastercard platinum card Are they both same?

                • @Narendra. Ah ok no bro its public bank. Even other public bank like SBI n Bob have minimum aqb of 1k but this one is just 250.
                  @chako. No bro the card that u see while clicking the link doesn’t exist. Actually Indian bank has only one master card and it is the blue one that appears on the site when u open debit card section. That is the card u would be getting. I don’t think they will refuse to issue it bro. I went to them and showed the pic on internet that I want the very same card international evm. They said do u hv adhar n pan card I said yes. They said OK we will arrange that for u. Probably u got to have adhar or pan card atleast to get that card. I don’t know for sure. But keep ur docs ready and there won’t be any problem. BTW what did they tell u, the reason behind not issuing it? I think every savings account holder is eligible for it. If they are creating prob then contact branch manage tell him that u want to go abroad for travel that’s y u need it. He will sort thins out for u definetly.

                • I opened an a/c for just 500rs, but take 1000rs in ur hand as he was demanding 1000rs for emv card. After arguing at last he wrote mastercard on the a/c opening form, now i doubt which card they will issue normal mastercard or emv mastercard

                  • yes bro they have only two master card variants one is evm master card world and other is simple master card but that is for senior citizens(for pensioners). so if they have written mastercard then u will surely get the evm world mastercard relax. other than that they have rupay only.
                    Edit: ok that card for pensioners is mastero and not master card, so yes they have only one master card variant the evm global, that is what u will be getting. dont worry

                    • 14days, they will send u a message that ur debit card has been despatched, 4-7 days after that ur card will come at bank

        • Hi Sammy, today 4 hours ago I got my Indian bank emv mastercard, but when I go to atm to make some transaction to active it, it says unauthorized access. does it need 24 hours to get activated? just curious did you try your mastercard as soon as you got it?

          • yes even i got this error on the very same day i got the card, next day i called their customer care , they asked me my card no only they told me that my card is live and it should work now, i went to atm in morning and it worked. i suggest you to try again tomorrow morning it should work by then, if not just call the customer care they will activate it.

            • Just adding in, for my Axis Bank, somebody from the customer service called me to confirm if I’ve received the welcome kit (with the card) as soon the courier marked it as delivered and then it worked all well when I went to ATM. Maybe it is normal for the banks to activate the card only when user confirms that it is received by them.
              Good Luck, Puttraj 🙂

              • Yes bro. May be they want to get confirmation that card has it is the customer who has got the card 🙂

          • ohh Thats great bro’s . Maybe I am unlucky. My debit card and netbanking both are still not activated. I have already visited the branch 4 times, they just tell me it will activated this evening or tomorrow like that. It also took around 23 days for the debit card to arrive at the branch. Currently having bad experience with Indian Bank 🙂

            • Also, I think Indian Bank employers are not that advanced. They don’t have much knowledge about paypal international transactions vcc etc. Also when I asked them to issue me mastercard instead of rupay, the ass.manager was like “whats the mastercard”? It seemed like he hasn’t seen one in his whole career :D. He asked me questions like ‘ which international country are you going to?’ and also told ‘we don’t have supply of this kind of cards, the color seem different’ lol. lucky there was a gal who understood a bit of what i was saying and why i need the card and approved to issue me mastercard..:D I like ICICI bank more in customer service although I don’t have an account there. I for ICICI bank account online and they were calling me like 3 times a day to meet the employee in person. And when I met him he knew everything about international transactions paypal google..

                • @puttraj same here bro, i too went to icici told them to open me a zerobal account, they said it is not possible , i showed them the icici edge account mentioned on their site, which says any one can open a zerobal account at any branch, but they were hellbent on opening regular savings account with 10k min bal.
                  Since Indian bank is gov bank i dont think their authorites would know any thing except deposit and withdrawl of money. try contacting debit card customer care toll free 180042500000. this no is written on your card, it will be of more help. Where do u live btw if u live in metrocities u can give icici b2 account a try, it is an online zero bal account by icici, and also dbs bank, it is a singapore bank now it has come to India heard they were giving free zero bal account with international debit card and rs 200 initial bal for free, all u need to do is install digibank app from playstore register on that app and submit your adhar card no, then do a biometric verification at nearest ccd or call an agent he would come at your house and open an account for you. I wanted to make any account in that but it is limited to some big cities only.

                  • No bro, I don’t live in a mertocity :(. but this indian bank emv card is working perfectly fine on international platforms..

  • Thanks for the help bro. But I am interested in buying multiple games so I will have to find permanent solution. BTW now origin has stopped accepting PayPal now only cc and selected DC works. Btw u were talking about entropay or Indian bank DC?

    • I was only talking about Entropay, buddy. I have no idea about Indian Bank. I will just hope that Indian Bank supports transactions not authenticated using a 3D code.
      Yes, I checked my Origin account and while PayPal does show under payment methods, it does not show up when I proceed to checkout. So, it seems Origin has stopped accepting PayPal for Indian customers.

  • just tried digipurse wallet with origin and to my surprise it worked, i wanted to get origin access but couldnt get it as digi vcc is recognized as prepaid card by origin and prepaid cards cannot be used to buy subscriptions, so i tried to buy bf3 game and payment went through. rs 50 was deducted extra on order for verifications of card, make sure u save the card details otherwise origin will charge u rs 50 for each order

    • That’s good to hear 🙂 The extra deduction should be refunded back to the card immediately. If not, within 30 days.

      • well i wont mind if they didnt refund it, atleast i didnt have to make new acc with icici, bf1 here i come 🙂

        • Please do take a note of where money from your DigiWallet is spent because I used it and now I forgot where i spent it. Some doubts that I’m overcharged. So better to keep notes. And BTW, do you play Hitman? Playing that these days 🙂

          • yes bro but i have played till blood money , still wainting for some deal on new one. yes i will keep track of my funds, actually i dont buy all the time, i wait for sales, so will load it at time of sale, at the moment origin sale is on dude u should get bf4 if u dnt hv already its only for 374

            • I have BF3 (got it in some sale as well), but I don’t play that. Seems like FPS isn’t much of my interest. Hitman has always been my addiction so played it from Codename 47 to all the way till Hitman 2016. I got it for 999 and since they keep on adding new locations, escalations, elusive targets and other things, I think it was worth what I paid. 🙂
              Happy playing buddy!

              • hey bro i m trying to add funds to digipurse via debit card but it says denied by risk error 17, has any one faced issue like this, i tried to load it using my pockets vcc but it failed, after that even my sbi dc which i used earlier is giving me error. i will try netbanking after few days

                • Please don’t load it at all, unless you’re ready to risk the 500 rupees. As others commented, their support is pretty much non-existent and if they block your account, you’ll be in loss.

                    • btw i have applied for an Indian bank evm master card world will let u know wheter it works or not, when i get it.

                    • Yes it should work on Origin. I’ve used it on Origin via PayPal and not directly, if I’m not wrong. If you only want to make a one-time purchase, maybe we can find an alternative where I pay for you and you deposit to my bank.

  • I am using icici debit visa international card for paypal it works for sending money but requesting money it is not working

  • ICICI ATM is working fine . But the atm you get from branch will not work but the atm which you get by post is working fine.

    • They should work on Entropay since VBV is supported there. As of Google Play, no information and because the debit cards are said to be not working, we’ve maked credit cards as non working as well, because for majority of the banks, both work the same way.

  • I read this article. But what about union bank (india)’s Visa/Mastercard credit card? Can i use it to buy apps from google play? Or in entropay? Please please reply.

    • Nobody confirmed that they were working, so I can’t make a statement about whether they work or not.

        • Sorry. My bad. What I meant was that everybody who mentioned UBI here said that his card was not working on PayPal. So, from the present information, they do not work. I haven’t personally tried though.

          • Even credit cards (platinum with intl support)? Coz i contacted UBI Credit card support
            1800 22 32 22
            He said that it can be used on GPlay

  • I’ve been using my SBI Silver mastercard debit card for the past 2+ years to fund my entropay acoount without any problems, but since May I am getting transaction failed error when I try to fund my entropay account. Money is debiting from my SBI account during the process and after a couple of minutes the money is credited back to my SBI account. I don’t know what is causing the problem. Any one experiencing the same ?.

    • Sometimes there are problems with the Entropay transaction system. Trying again later fixes them off.

      • I’ve been trying it for the past 2 weeks and it’s not working.

        All those going to open an Indian Bank account needs to aware that they are not issuing Master Cards any more. Make an enquiry in your branch before opening an account. When I went to open an account, the bank officer told me that they have some issues with customers not receiving Master Card Debit cards. When they enquire about it with their head office, they got a reply like there is some RBI Circular to not issue Master Card Debit cards. They only issue Rupay card as of now.

        Also digipurse virtual card is working fine with entropy. When making payment you need to create a Visa 3D secure password. I think after creating a 3D secure password it won’t work with google wallet and other services which do not use the 3D secure service.

        • Thanks for your input, Rajesh. However it will continue to work on Google Play even when you’ve set the Visa 3D PIN.

    • Dear Friends, I am Nilesh Patel and going to explain how to add credit card to Google Play And Blackberry Appworld to purchase apps. It is purely in Indian context. 

      Download GigiPurse of Union bank from Google Play And load Rs. 1000 which will be reflected after 24 hours in your wallet.

      DigiPurse Debit card can be used for purchasing on international sites. It is purely an International Debit Card. Your ATM PIN is the one which is your Transaction PIN in your wallet.

      After loading funds, go to Union Bank online internet banking website and create your new account for verified by Visa transactions. You have to create your 3D secure PIN here and OTP will be sent to your registered number. 

      After 24 hours when your funds will be reflected into your DigiPurse, add DigiPurse Debit Card To Google Play. It will cost you Rs. 50. After that purchase any small amount app from Google Play. That’s it. Enjoy…..

      For purchasing apps from Blackberry Appworld, you have to create Entropy virtual Credit Card. Sign up and create Entropay account. After that create virtual credit card by just clicking “create virtual card” tab. Then, add funds from your DigiPurse Debit Card. I have added $6. DigiPurse Debit card is acceptable for loading funds into your Entropay account. When you will have funded into your virtual card, you will be provided Entropy credit card Number, and CVV and other details required. 

      That’s it. Use your Entropay Credit Card Into Blackberry Appworld and purchasing will be done smoothly. 

      Because of Blackberry Commerce policy, it do not follow RBI’s guidelines for 3D secure PIN. So all cards from Indian banks will be rejected. Only those cards will work which do not follow 3D secure payment gateway. 

      So friends enjoy purchasing apps from Google Play And Blackberry Appworld by following my guidelines. 

      Happy Purchasing!!!

  • I’m gonna have a axis bank debit card. Is it good for online shopping? Pls state me it’s pro’s and cons… Or if it is not good suggest an alternative one

  • PNB Global VISA credit card can be used with PayPal, but International Transaction has to be activate first by calling the customer care helpline of the bank.It takes 24 hours for this service to get activated, post that PayPal can be used with PNB Global Visa Credit Card.