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The non ON-US transaction is the transaction, which is made on the ATM or POS terminal of the bank other then the bank that issued the card. For an example, if I swiped my ICICI credit card in ICICI ATM, then the transaction is called ON-US transaction. If I swipe my ICICI card in the ATM other then ICICI ATM, then the transaction is called non ON-US transaction.

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