All international transactions will have 20% TCS deducted. However, if your overall international spends is less than 7 lakhs, it will be refunded back to you in 1-2 business days.
Once you have crossed the 7 lakhs limit, a 20% TCS will be applicable on the amount that is exceeded.
All your international spends made across different debit cards, remittances, and other financial transactions are collectively considered when determining taxation, rather than separately for each bank or account. This amount can be claimed during ITR filing.
Refer to the below table for examples around TCS deduction:
