If you often use your debit card for international spending or online purchases linked to foreign merchants, your transactions could soon become more expensive.
has informed customers that it will revise the Dynamic Currency Conversion (DCC) fee on debit cards from June 21, 2026. The charge will rise sharply from the current 1% of the transaction amount to 3.5%.
The revised DCC fee will apply to certain debit card transactions carried out in Indian rupees under specific situations. This includes purchases made in Indian currency at international locations or payments made in India where the merchant is registered in a foreign country.
In simple terms, even if you are paying in rupees, the extra charge may apply if the transaction is processed through a foreign merchant network.
The bank informed customers about the revision through an official communication, stating that the updated fee structure will come into effect from June 21.
Dynamic Currency Conversion, commonly called DCC, allows customers to pay in their home currency instead of the local currency while making international transactions.
For example, if you are shopping abroad or paying a foreign website, you may sometimes see an option to pay directly in Indian rupees instead of dollars or another foreign currency.
With the higher fee, customers may want to check transaction details more carefully, especially when choosing payment currency during overseas or cross-border purchases.