First hand experience. Personal cards (incl corporate cards) both debit and credit issued by ICICI and AMEX always worked internationally without a problem. My

First hand experience. Personal cards (incl corporate cards) both debit and credit issued by ICICI and AMEX always worked internationally without a problem. My SBI corporate card needed to be "activated" before international travel. It was NOT a Bank policy or Govt policy but something that the finance/accounts dept instructs bank to do to reduce risk of fraud (its nonsense, but there it is). For all cards, it's between bank and customer. All AMEX and Most (all?) Visa/MasterCard should work internationally.