Home Online Shopping Indian Debit Cards which Work on PayPal & Google Wallet

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
Kotak Mahindra Bank
including Kotak 811
South Indian Bank YES YES YES YES
State Bank of India
(Visa Global Card)
Union Bank Digipurse Wallet (Virtual)
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

About the author

Narender Singh

Narender is a B-school graduate who loves technology. He generally, avoids news and spends his time writing guides and tutorials which add value to the web. Shoot any of your questions to him at narender@techmesto.com


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  • 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!

      • 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.

  • 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? 🙂

  • 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..

    • 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?


    • 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.

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