international travel card for india

State Bank Multi-currency Foreign Travel Card

Chip & PIN Protected Prepaid Card. All your travel currency on one card.

You can easily reload your State Bank Multi-Currency Foreign Travel Card ++ with more funds ahead of your next trip, until the Card expiry date. Simply take your State Bank Multi-Currency Foreign Travel Card, valid passport and Form A2 (available at branches) and top up at FTC issuing branches of State Bank of India – subject to FEMA guidelines and other regulations. Click here for a detailed list of branches.

Reloadable until expiry date on the Card - within the limits of the Card ++

++ Until Card expiry and subject to reload limits (see Fees and Limits table). Limits are subject to FEMA regulations, imposed by The Reserve Bank of India from time to time.

• Multiple currencies on one Card
• Withdraw local currency at over 2 million ATMs worldwide, accepting Mastercard cards, or use your Card to pay directly for goods and services at 34.5 million merchants, wherever you see the Mastercard Acceptance Mark (other than in India, Nepal and Bhutan, or for payment of goods in Indian Rupees or the currencies of Nepal and Bhutan)
• Locking in the value of your Card balance, whenever you (re)load your State Bank Multi-Currency Foreign Travel Card, could help you to avoid exchange rate fluctuations and variances while you're abroad, and clear charges give you the control to manage your budget
• No bank account information is required to obtain and start using your State Bank Multi-Currency Foreign Travel Card
• Manage your Card online, with secure visibility of balances and transaction details, and services like an ATM locator

Your State Bank Multi-Currency Foreign Travel Card is not linked to your bank account and comes with 24/7 Global Assistance. If your State Bank Multi-Currency Foreign Travel Card is lost or stolen, please contact our Card Services team immediately, so that they can cancel it. If you have an additional Card, you can use it to access your funds. If both your Cards are lost or stolen, our Card Services team can offer assistance, including emergency cash replacement up to the available balance on your Cards (subject to availability in the relevant location).

• Chip and PIN protected
• Additional Card available for backup
• 24/7 Global Assistance, including free Card replacement if your Card is lost or stolen
• Peace of mind, as the Card is not linked to your bank account

Here's how it works...

State Bank Multi-Currency Foreign Travel Card ("Foreign Travel Card") is the smart way to carry your travel money. Simply load one or more of the following currencies- US Dollars, British Pounds, Euros, Singapore Dollars, Australian Dollars, Canadian Dollars and UAE Dirham to your State Bank Multi-Currency Foreign Travel Card and when you're travelling, use your Card to withdraw money from over 2 million ATMs worldwide accepting Mastercard® cards, or to pay for goods and services in shops, restaurants and hotels around the globe, displaying the Mastercard Acceptance Mark (other than in India, Nepal and Bhutan, or for payment of goods in Indian Rupees or the currencies of Nepal and Bhutan).

If you have insufficient funds in a transaction currency to pay for a transaction, the balance of the transaction will automatically be deducted from other available currency (ies) on your Card, in the following order of priority: USD, EUR, GBP, SGD, AUD, CAD and AED, subject to the applicable exchange rate and cross currency fee (see Fees and Limits Table).

With the State Bank Multi-currency Foreign Travel Card, you can lock in the exchange rates on your currencies each time you reload+. Simply visit FTC issuing branches of State Bank of India.

Looking for your nearest branch? Click here for a detailed list of branches.

+ Please note that any loads or reloads are made at the relevant exchange rate, applicable for Foreign Travel Card, on the day that the load is processed (this varies from day to day).

SIMPLY PREPAY AND GO!

State Bank Multi-Currency Foreign Travel Card is a prepaid currency card that can be pre-loaded with your spending money in up to seven Currencies and then used at ATMs and merchants abroad1, displaying the Mastercard® Acceptance Mark.

If you have insufficient funds in transaction currency to pay for a transaction, the balance of the transaction will automatically be deducted from any other available currencies on your Card, in the following order of priority: USD, GBP, EUR, SGD, AUD, CAD and AED, subject to the applicable exchange rate and Cross Currency fee (see Fees and Limits section of this website or the Fees and Limits Table in the Terms and Conditions).

1 Due to FEMA regulations, the State Bank Foreign Travel Card cannot be used at ATMs or merchants in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan. In addition, there may be some other countries where usage of the Card is prohibited. Please click here to verify the list of prohibited countries.

Want to put more money onto your card.

Your State Bank Multi-Currency Foreign Travel Card can be reloaded, so you need never run short of money during your travels.

1. Return to any participating branch of State Bank of India, with your State Bank Multi-Currency Foreign Travel Card, valid passport and PAN Card. Fill in the prescribed application form and Form A2 (available at branches)

2. If you think you may need to have your State Bank Multi-Currency Foreign Travel Card reloaded whilst travelling overseas, you can leave a completed Form A2, a copy of your PAN Card and passport, plus a letter authorising a family member or friend in India to carry out the reload on your behalf. We may load the Card on receipt of the above documents from a family member or friend, along with a letter, signed by you. However, State Bank of India reserves every right in such cases, to verify that any person purporting to act on your behalf is so authorised and to identify and verify the identity of that person in accordance with the know-your-customer norms prescribed by The Reserve Bank of India.

• A reload fee applies to all reloads and may vary from time to time
• Reloads are made at the relevant exchange rates on the day that the reload is processed. The exchange rates for the available currencies will vary from day to day and may vary per reload location

DYNAMIC CURRENCY CONVERSION (DCC)

Dynamic Currency Conversion (DCC) is an optional service that is sometimes offered by retailers and ATM operators abroad, giving cardholders the choice of paying in either the currency of the country they are visiting or their own domestic currency. You should not use your Foreign Travel Card to make a purchase or ATM withdrawal in Indian Rupees (as you are prohibited from doing so by law) and you should choose to pay in the local currency. Please note that there will be an additional cost if the point of sale transaction or ATM withdrawal is in a currency other than the currencies on the card, or if more than one currency on your card is used to pay for the transaction. Please refer to the Fees and Limits Table for further information in the fees and limits section of this website or in the Terms and Conditions. Other benefits include:

• Multiple currencies on one card
• Card security (benefit of not being linked to a bank account)
• Access to worldwide ATM withdrawals
• 24/7 Global Assistance
• Additional Card to access the same funds
• Competitive exchange rates

RESTRICTIONS

Please note, due to FEMA regulations, the State Bank Foreign Travel Card cannot be used at ATMs or merchants in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan.

There are a number of countries where the use of State Bank Foreign Travel Card is currently prohibited. If you attempt to withdraw cash from a cash machine, or use your Card at shops, restaurants, hotels and online in any of these countries, your request will be declined and the reason given as 'Decline, prohibited country'.

The countries currently affected are: Cuba, Iran, North Korea, Sudan and Syria

Card Security

WE'RE DEDICATED TO PROTECTING YOU Unfortunately, terms like 'ID theft' and 'fraud' are all too familiar nowadays. We are very aware of the threat and concerns you have regarding such issues, which is why fraud prevention is of paramount importance to us.

We know our customers. Every day we monitor transactions on our Cards, to detect unusual behaviour and if we spot something uncharacteristic, we'll contact you to verify your transactions. The State Bank Multi-Currency Foreign Travel Card is chip and PIN protected, with both cash withdrawals and purchases protected by PIN.

• Sign your Cards immediately when you receive them
• Check your transactions regularly and report anything unusual immediately to the 24/7 Card Services team
• If you print statements from the internet, keep them safe and shred them when you’ve finished using them
• Never give your personal details to someone who phones you claiming to be from a reputable company or even from MasterCard /SBI
• Don’t give out your details in response to unsolicited email
• Be wary of anyone who asks for common security details, like your mother’s maiden name, date of birth, or information about your work
• Never give your PIN to anyone, not even if they claim to be from State Bank of India
• Don’t let yourself get distracted when using ATMs – somebody may be trying to get to know your PIN

Never write down a PIN or keep it together with the Card. Be very alert when using ATMs, and ensure that:

• The machine has not been tampered with
• Nobody can watch you entering your PIN
• Card and cash are concealed and safe before you leave the machine
• You retain any printed records for safe disposal at a later time
• If your Card is retained, contact Card Services immediately for assistance

Always keep your Card in sight when making a purchase or it may get skimmed.

“Skimming” occurs when the genuine data on a card’s magnetic strip is electronically copied onto another card, allowing fraudsters to steal the funds on your card. This can happen at petrol stations, restaurants, bars and at ATMs. Skimmed card information is often sold on to organised crime groups.

Make sure that you're using a secure browser. A secure browser such as Microsoft Internet Explorer or Mozilla Firefox will indicate whether the website you are visiting is secure or not.

Broken key or padlock = unsecured Unbroken key or padlock = secured

These browsers scramble your personal data before sending it, so no one else can read it. Ensuring that your computer has up-to-date virus protection and a firewall will help protect you from attacks.

Key points when buying goods/services on the Internet:

• Know who you are dealing with. Use a reputable company and type its internet address into the browser yourself
• If the website gives you the option of using a secure checkout, opt for yes
• Just as you save till receipts, in case you need to return or exchange something, you need to keep a record of all transactions too. Print and save a copy of your completed order form and your order confirmation

“Phishing” is an attempt by fraudsters to “fish” for your card or account details. Phishing attempts usually appear as an email apparently from your bank or card issuer. Within the email, you are then encouraged to click on a link to a fraudulent log-in page, designed to capture your details.

We may contact you by email, but we will NEVER ask you to click on a link that directs you to enter or confirm your security details. If you are in any doubt about the authenticity of an email appearing to be from us, telephone Card Services immediately.

“Pharming” employs the same type of tricks as Phishing to lure you to a site address, but uses hidden software to redirect you from real websites to the fraudulent ones.

This is particularly clever, as it hijacks trusted brands of well-known banks, online retailers and card issuing companies and convinces you to respond under cover of trust to enter your personal details.

Just remember, if you are asked to type your PIN into a website along with your Card details, it is probably a fraudulent website, and you should close the browser and contact Card Services immediately.

If you lose your State Bank Multi-Currency Foreign Travel Card or it is stolen, reporting this to Card Services immediately will help protect the funds on the Card. Our dedicated team is on hand 24 hours a day, seven days a week, to help you get back to enjoying your travels.

Please click here for information on how to report your Card as lost or stolen.

Before you go

TRAVEL TIPS Some ATMs (cash machines) may charge a withdrawal fee, in addition to any fee associated with your State Bank Multi-Currency Foreign Travel Card. Some cardholders advise that they saved the free phone number for the country(-ies) they were travelling to in their mobile to check their Card balances, which is a quick and easy to use service (please note: calls from mobile phones are not free of charge). Cardholder feedback also suggests that some hotels may charge for calls made to free phone numbers, it is wise to check with your hotel beforehand.

PRE-AUTHORISATION It is not recommended that you use your State Bank Multi-Currency Foreign Travel Card as a guarantee of payment (usually for hotels, car hire and cruise lines). These companies may estimate the bill, and if you use your Card as a guarantee for the estimated amount, the funds will be temporarily unavailable to access or spend. You can, of course, use your State Bank Foreign Travel Card to settle your final bill.

When purchasing fuel, make sure you pay the cashier instead of using the ‘pay at pump’ option, to avoid a set amount (greater than your purchase amount) being ‘held’ until the final transaction settles (this principle applies to all payment cards; it is just more noticeable when using a prepaid card).

State Bank Multi-currency Foreign Travel Card is issued by State Bank of India, pursuant to license by Mastercard Asia/Pacific Pte. Ltd. Mastercard is a registered trademark of Mastercard International Incorporated.

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5 Best Travel Cards for India

Getting an international travel card before you travel to India can make it cheaper and more convenient when you spend in Indian Rupee. You'll be able to easily top up your card in USD before you leave the US, to convert seamlessly to INR for secure and flexible spending and withdrawals.

This guide walks through our picks of the best travel cards available for anyone from the US heading to India, like Wise or Revolut. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

5 best travel money cards for India:

Let's kick off our roundup of the best travel cards for India with a head to head comparison on important features. Here's an overview of the providers we've picked to look at, for customers looking for ways to spend conveniently overseas when travelling from the US:

Each of the international travel cards we’ve picked out have their own features and fees, which may mean they suit different customer needs. Keep reading to learn more about the features, advantages and disadvantages of each - plus a look at how to order the travel card of your choice before you head off to India.

Wise travel card

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in India. Wise accounts can hold 40+ currencies, so you can top up in USD easily from your bank or using your card. Whenever you travel, to India or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

In either case you’ll get the mid-market exchange rate with low, transparent fees whenever you spend in INR, plus some free ATM withdrawals every month - perfect if you’re looking for easy ways to arrange your travel cash.

Wise features

Wise travel card pros and cons.

• Hold and exchange 40+ currencies with the mid-market rate
• Spend seamlessly in INR when you travel
• Some free ATM withdrawals every month, for those times only cash will do
• Ways to receive payments to your Wise account conveniently
• Manage your account and card from your phone
• 9 USD delivery fee for your first card
• ATM fees apply once you've exhausted your monthly free withdrawals
• Physical cards may take 14 - 21 days to arrive

How to apply for a Wise card

Here’s how to apply for a Wise account and order a Wise  travel card in the US:

Open the Wise app or desktop site

Select Register and confirm you want to open a personal account

Register with your email, Facebook, Apple or Google ID

Upload your ID document to complete the verification step

Tap the Cards tab to order your card

Pay the one time 9 USD fee, confirm your mailing address, and your card will be on the way, and should arrive in 14 - 21 days

Revolut travel card

Choose a Revolut account, from the Standard plan which has no monthly fee, to higher tier options which have monthly charges but unlock extra features and benefits. All accounts come with a smart Revolut card you can use in India, with some no fee ATM withdrawals and currency conversion monthly, depending on the plan you pick. Use your Revolut account to hold and exchange 25+ currencies, and get extras like account options for under 18s, budgeting tools and more.

Revolut features

Revolut travel card pros and cons.

• Pick the Revolut account plan that suits your spending needs
• Hold and exchange 25+ currencies, and spend in 150 countries
• Accounts come with different card types, depending on which you select
• All accounts have some no fee currency exchange and some no fee ATM withdrawals monthly
• Some account tiers have travel perks like complimentary or discounted lounge access
• You need to upgrade to an account with a monthly fee to get all account features
• Delivery fees may apply for your travel card
• Fair usage limits apply once you exhaust your currency conversion and ATM no fee allowances
• Out of hours currency conversion has additional fees

How to apply for a Revolut card

Set up your Revolut account before you leave the US and order your travel card. Here’s how:

Download and open the Revolut app

Register by adding your personal and contact information

Follow the prompts to confirm your address and order your card

Pay any required delivery fee - costs depend on your account type

Chime travel card

Use your Chime account and card to spend in India with no foreign transaction fee. You’ll just need to load a balance in USD and then the money is converted to INR instantly with the Visa rate whenever you spend or make a withdrawal. There’s a fee to make an ATM withdrawal out of network, which sits at 2.5 USD, but there are very few other costs to worry about. Plus you can get lots of extra services from Chime if you need them, such as ways to save.

Chime features

Chime travel card pros and cons.

• No Chime foreign transaction fees
• No ongoing charges for your account
• Lots of extra products and services if you need them
• Easy ways to manage your money online and in app
• Virtual cards available
• You'll need to inform Chime you're traveling to use your card abroad
• Low ATM limits
• Cards take 7 - 10 days to arrive by mail

How to apply for a Chime card

Here’s how to apply for a Chime account and order a travel card in the US:

Visit the Chime website or download the app

Click Get started and add your personal details

Add a balance

Your card will be delivered in the mail and you can use your virtual card instantly

Monzo travel card

Monzo cards can be ordered easily in the US and used for spending in India and globally. Monzo accounts are designed for holding USD only - but you can spend in INR and pretty much any other currency easily, with no foreign transaction fee. Your funds are just converted using the network exchange rate whenever you pay or make a withdrawal.

Monzo doesn’t usually apply ATM fees, but it’s worth knowing that the operator of the specific ATM you pick may have their own costs you’ll need to check out.

Monzo features

Monzo travel card pros and cons.

• Good selection of services available
• No foreign transaction fee to pay
• No Monzo ATM fee to pay
• Manage your card from your phone conveniently
• Deposits are FDIC protected
• You can't hold a foreign currency balance
• ATM operators might apply their own fees

How to apply for a Monzo card

Here’s how to apply for a Monzo account and order a travel card in the US:

Visit the Monzo website or download the app

Click Get Sign up and add your personal details

Check and confirm your mailing address and your card will be delivered in the mail

Netspend travel card

Netspend has a selection of prepaid debit cards you can use for spending securely in India. While these cards don’t usually let you hold a balance in INR, they’re popular with travelers as they’re not linked to your regular checking account. That increases security overseas - plus, Netspend offers virtual cards you can use to hide your physical card details from retailers if you want to.

The options with Netspend vary a lot depending on the card you pick. Usually you can top up digitally or in cash in USD and then spend overseas with a fixed foreign transaction fee applying every time you spend in a foreign currency. You’ll be able to view the terms and conditions of your specific card - including the fees - online, by entering the code you’ll find when your card is sent to you.

Netspend features

Netspend travel card pros and cons.

• Large selection of different card options depending on your needs
• Some cards have no overseas ATM fees
• Prepaid card which is secure to use overseas
• Manage your account in app
• Change from one card plan to another if you need to
• You may pay a monthly fee for your card
• Some cards have foreign transaction fees for all overseas use, which can be around 4%
• Selection of fees apply depending on the card you pick

How to apply for a Netspend card

Here’s how to apply for a Netspend account and order a travel card in the US:

Visit the Netspend website

Click Apply now

Complete the details, following the onscreen prompts

Get verified

Your card will arrive by mail - add a balance and activate it to get started

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Although there are lots of different travel money cards on the market, all of which are unique, one similarity you'll spot is that the features and fees have always been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees for common international transactions like ATM withdrawals.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your United States Dollar everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

They all have distinct benefits when you head off to India or elsewhere in the world, but they do work a bit differently.

Travel debit and prepaid cards are usually linked to an online account, and may come from specialist digital providers - like the Wise card. These cards are usually flexible and cheap to use. You'll be able to manage your account and card through an app or on the web.

Travel credit cards are different and may suit different customer needs. As with any other credit card, you may need to pay an annual fee or interest and penalties depending on how you manage your account - but you could also earn extra rewards when spending in a foreign currency, or travel benefits like free insurance for example. Generally using a travel credit card can be more expensive compared to a debit or prepaid card - but it does let you spread out the costs of your travel across several months if you'd like to and don't mind paying interest to do so.

What is a prepaid travel money card best for?

Let's take a look at the advantages of using a prepaid travel money card for travellers going to India. While each travel card is a little different, you'll usually find some or all of the following benefits:

• Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
• Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
• You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
• Travel cards are secure as they're not linked to your everyday USD account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for India

We've picked out 5 great travel cards available in the US - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for India include:

• What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
• What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
• Does the card support a good range of currencies? Getting a card which allows you to hold and spend in INR can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
• Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences.

What makes a good travel card for India

The best travel debit card for India really depends on your personal preferences and how you like to manage your money.

Overall, it pays to look for a card which lets you minimise fees and access favourable exchange rates - ideally the mid-market rate. While currency exchange rates do change all the time, the mid-market rate is a good benchmark to use as it’s the one available to banks when trading on wholesale markets. Getting this rate, with transparent conversion fees, makes it easier to compare costs and see exactly what you’re paying when you spend in INR.

Other features and benefits to look out for include low ATM withdrawal fees, complimentary travel insurance, airport lounge access or emergency cash if your card is stolen. It’s also important to look into the security features of any travel card you might pick for India. Look for a card which uses 2 factor authentication when accessing the account app, which allows you to set instant transaction notifications, and which has easy ways to freeze, unfreeze and cancel your card with your phone.

When you head off to India you can expect to find you’ll be able to use your card - but not always. Some merchants still prefer cash payments, especially in smaller villages - so choosing a card which is easy to pay with, but which also has simple and low cost ways to make ATM withdrawals should mean you’re covered no matter what happens

Ways to pay in India

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

In India card payments are common in most situations. You’ll be able to make Chip and PIN or contactless payments or use your favourite mobile wallet like Apple Pay to tap and pay on the go. It’s still worth having a little cash on you just in case - and for the odd situations where cash is more convenient, such as when tipping or buying a small item in a market.

Which countries use INR?

You’ll find that INR can only be used in India. If you don’t travel to India frequently it’s worth thinking carefully about how much to exchange so you’re not left with extra foreign currency after your trip. Or pick a travel card from a provider like Wise or Revolut which lets you leave your money in USD and convert at the point of payment with no penalty.

What should you be aware of when travelling to India

You’re sure to have a great time in India - but whenever you’re travelling abroad it's worth putting in a little advance thought to make sure everything is organised and your trip goes smoothly. Here are a few things to think about:

1. Double check the latest entry requirements and visas - rules can change abruptly, so even if you’re been to India before it’s worth looking up the most recent entry requirements so you don’t have any hassle on the border

2. Plan your currency exchange and payment methods - you can change USD to INR before you travel to India if you’d like to, but as card payments are common, and ATMs widely available, you can actually leave it until you arrive to get everything sorted as long as you have a travel money card. Top up your travel money card in USD and either exchange to INR in advance or at the point of payment, and make ATM withdrawals whenever you need cash. Bear in mind that currency exchange at the airport will be expensive - so hold on until you reach India to make an ATM withdrawal in INR if you can.

3. Get clued up on any health or safety concerns - get travel insurance before you leave the US so you have peace of mind. It’s also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don’t offer fair prices or adequate services.

Conclusion - Best travel cards for India

Ultimately the best travel card for your trip to India will depend on how you like to manage your money. Use this guide to get some insights into the most popular options out there, and to decide which may suit your specific needs.

FAQ - best travel cards for India

When you use a travel money card you may find there’s an ATM withdrawal fee from your card issuer, and there may also be a cost applied by the ATM operator. Some of our travel cards - like the Wise and Revolut card options - have some no fee ATM withdrawals every month, which can help keep down costs.

Travel money cards may be debit, prepaid or credit cards. Which is best for you will depend on your personal preferences. Debit and prepaid cards are usually pretty cheap and secure to spend with, while credit cards may have higher fees but often come with extra perks like free travel insurance and extra reward points.

There’s no single best prepaid card for international use. Look out for one which supports a large range of currencies, with good exchange rates and low fees. This guide can help you compare some popular options, including Wise, Revolut and Monzo.

Yes, you can use your local debit card when you’re overseas. However, it’s common to find extra fees apply when spending in foreign currencies with a regular debit card. These can include foreign transaction fees and international ATM charges.

Usually having a selection of ways to pay - including a travel card, your credit or debit card, and some cash - is the best bet. That means that no matter what happens, you have an alternative payment method you can use conveniently.

Yes. Most travel debit cards have options to make ATM withdrawals. Check the fees that apply as card charges do vary a lot. Some cards have local and international fees on all withdrawals, while others like Wise and Revolut, let you make some no fee withdrawals monthly before a fee kicks in.

Both Visa and Mastercard are globally accepted. Look out for the logo on ATMs and payment terminals in India.

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their USD / INR rate to calculate how much Indian Rupee you would receive when exchanging / spending $4,000 USD. The card provider offering the most INR is displayed at the top, the next highest below that, and so on.

The rates were collected at 15:54:21 GMT on 19 February 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.

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15+ Best Forex Cards in India 2024

Using your regular credit card while you’re on an international trip might not be the wisest of decisions, as international transactions, which are usually in a foreign currency, attract an additional forex markup fee, which, for most credit cards, is around 3.5% of the transaction amount. For this reason, banks offer forex cards, which are tailored to the needs of customers who make frequent international transactions. With the best forex card, a person can get the most out of their foreign transactions.

Forex credit cards are basically prepaid cards. Unlike credit cards, you need to load a balance on these cards before you can make any purchases. Almost all the best forex cards in India support multiple currencies—you can load the card using any of the supported currencies. Spending in the currency loaded on the card does not attract any foreign currency mark-up fee. Therefore, it’s a good idea to carry a Forex card on an international trip loaded with the home currency of the country you are visiting.

Niyo Global Card by Equitas Bank

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Here, we have shortlisted some of the best Forex cards offered by the various banks in the country. Many of these cards, just like credit cards, also offer add-on benefits like complimentary lounge access, insurance plans, discount vouchers, etc. You can go through their detailed features and advantages in this article and then choose one that seems to suit you the best:

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Renewal fee, best suited for, reward type.

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Card Details +

Niyo Solutions launched the Niyo Global card in partnership with Equitas Small Finance Bank. It is a premium, high-interest digital savings account that offers up to 7% interest on savings and zero forex markup charges on international transactions worldwide.

The Niyo Global card provides convenient and affordable ways to handle international payments in more than 130 currencies. It offers domestic and international lounge access at all Indian airports, and its user-friendly app has features like Global ATM Locator, real-time currency conversion, and more.

• Cash Withdrawal Charges – 3 free withdrawals per month, and Rs. 21 plus taxes from the 4th withdrawal onwards for Domestic ATMs.
• Rs. 110 plus taxes for International ATMs.
• Currencies Supported – More than 130 currencies supported
• Cross-Currency Usage Fee – Nil
• Additional Benefits – High 7% interest rate on your savings, complimentary lounge access, and user-friendly mobile application.
• No TCS Up to Rs. 7 Lakhs -TCS is exempted from international spends up to Rs. 7 Lakhs per year. However, 20% TCS is applicable beyond the Rs. 7 Lakhs threshold.

The BookMyForex YES Bank Prepaid Card is a recently launched co-branded foreign travel card. The card aims to provide its customers with hassle-free international travel experiences. It also supports multiple currencies, making it even more convenient to travel to different countries without any worries about finding a currency conversion center there. Along with all these features, the card also offers several great deals and discounts across different categories.

The multi-currency Forex Card by Axis Bank is a prepaid international travel card. The card supports 16 widely used currencies, including the United States Dollar, Euro, Pound Sterling, Australian Dollar, Canadian Dollar, Swiss Franc, and Japanese Yen. As with all foreign exchange credit cards, transactions in the currency loaded on the card do not attract any markup fee; however, transactions in a currency other than the one loaded on the card attract a cross-currency markup fee of 3.5% of the transaction amount.

The Axis Bank Multi-Currency Forex Card comes with an initial issuance fee of Rs. 300 (plus GST), which is waived for Burgundy and Priority account holders. Although the card does not have any reward structure, you do get many value-added benefits like discounts on international roaming packs by VI, a lower currency conversion rate for Southeast Asian currencies, and 247×7 travel assistance by TripAssist. You may want to refer to this article for more information on Axis Bank Multi-Currency Forex Card.

The Regalia ForexPlus Card is a sub-premium prepaid foreign exchange credit card by HDFC Bank. Although the card comes with zero annual fee, an initial fee of Rs. 1,000 is payable at the time of card issuance.

Regalia ForexPlus Card can be loaded in US Dollars. The best part about the Regalia ForexPlus Card is that not only do you not get charged any mark-up fee on transactions in USD, but there is no cross-currency usage fee applicable on transactions done in any other currency. You may refer to this article for more information on the HDFC Regalia ForexPlus Card.

Just like the MakeMyTrip HDFC ForexPlus Card, the Multicurrency Platinum card can also be loaded in 22 different foreign currencies- Australian Dollar, Dirhams, Canadian Dollar, Euro, Hongkong Dollar, Japanese Yen, Singapore Dollar, Sterling Pound, Swiss Franc, Swedish Krona, Thailand Baht, South African Rand, Oman Riyal, New Zealand Dollar, Danish Krone, Norwegian Krone, Saudi Riyal, Korean Won, Bahrain Dinar, Qatari Riyal, Kuwait Dinar and US Dollar. No markup fee is charged on transactions made in the currency loaded on the card; a cross-currency usage fee of 2% of the transaction amount is applicable on transactions made in a currency other than the one loaded on the card.

Multicurrency Platinum ForexPlus Chip Card comes with an initial issuance fee (joining fee) of Rs. 500 (plus GST), which is waived off on the first-time loading of a minimum of USD 1,000. Although the card does not earn you any reward points/cashback, you do get plenty of add-on benefits like Amazon vouchers, emergency assistance, global concierge service, etc. with the card. Check out this article for more info on HDFC Multicurrency Platinum ForexPlus Chip Card.

Axis Bank Club Vistara Forex Card is a co-branded prepaid forex card by Axis Bank in collaboration with Air Vistara. Axis Bank Club Vistara Forex Card can also be loaded in 16 different currencies, including United States Dollar, Euro, Pound Sterling, Australian Dollar, Canadian Dollar, Swiss Franc, Japanese Yen, Singapore Dollar, Swedish Krona/Kronor, UAE Dirham, Saudi Royal, Thai Baht, New Zealand Dollar, Hong Kong Dollar, South African Rand and Danish Krone.

Since it is an Air Vistara co-branded Forex card, you earn Club Vistara Points (CV Points) as rewards on Axis Bank Club Vistara Forex Card. You earn 3 CV Points for every USD 5 spent with the card. Apart from CV Points, you also get a complimentary Club Vistara base membership. Other add-on benefits that you get with the Club Vistara Forex Card include cashback on international roaming packs and 24×7 emergency assistance during international travel.

The ICICI Bank Student Forex Credit Card is a great option for those who are planning to go to a foreign country for higher studies. It comes with an issuance fee of Rs. 499 and a renewal fee of Rs. 199 plus taxes. This Student Forex Card allows you to make international transactions without any hassle and with much lower charges compared to credit & debit cards. The cardholders get introductory privileges worth Rs. 5,000, and several other benefits, such as complimentary insurance coverage and zero liability protection, are there.

Axis Bank World Traveller Forex Card is another prepaid travel card by Axis Bank in collaboration with Germany-based Lufthansa Airlines. Like the other two Axis Bank forex cards, the World Traveller Forex Card can also be loaded in 16 different foreign currencies including United States Dollar, Euro, Pound Sterling, Australian Dollar, Canadian Dollar, Swiss Franc, Japanese Yen, Singapore Dollar, Swedish Krona/Kronor, UAE Dirham, Saudi Royal, Thai Baht, New Zealand Dollar, Hong Kong Dollar, South African Rand and Danish Krone.

Like most other forex cards, no forex markup fee applies to transactions made in the currency loaded on the card. However, a cross-currency usage fee of 3.5% of the transaction amount applies to transactions made in a currency other than the one loaded on the card.

State Bank Multi-Currency Foreign Travel Card is a prepaid forex card issued by the State Bank of India. The card does not have an annual membership fee; however, an initial issuance fee of Rs. 100 (plus GST) is charged at the time of issuance. The issuance fee of the SBI Multi-Currency Foreign Travel Card is the lowest amongst all forex cards presently offered in India.

State Bank Multi-Currency Foreign Travel Card can be loaded in seven different currencies- USD, Euro, Pound, Singapore Dollar, Canadian Dollar, UAE Dirham, and Australian Dollar. No mark-up fee is charged on transactions made using the currency loaded on the card. However, a cross-currency usage fee of 3% of the transaction amount is applicable on transactions made in a currency other than the one loaded on the card. See this article for more details on the State Bank Multi-Currency Foreign Travel Card.

As the name suggests, IndusInd Multi-Currency Travel Card is a prepaid forex card issued by IndusInd Bank. The card does not have an annual membership fee, but an initial fee of Rs. 300 is payable at the time of issuance.

The card supports 14 international currencies- US Dollar, Australian Dollar, Canadian Dollar, Euro, Great Britain Pound, Hong Kong Dollar, Japanese Yen, New Zealand Dollar, Singapore Dollar, South African Rand, Swiss Franc, Thailand Baht, Saudi Riyal, and UAE Dirham. No forex markup fee is charged on transactions made in the currency loaded on the card; a cross-currency usage fee of 3% of the transaction amount is, however, applicable on transactions made in a currency other than the one loaded on the card. Check out this article to learn more about IndusInd Bank Multi-Currency Travel Card.

Sapphiro Forex Prepaid Card is a premium prepaid Forex card by ICICI Bank. The card comes with a hefty joining (issuance) fee of Rs. 2,999 (plus GST), and being a premium forex card, offers plenty of add-on privileges like shopping vouchers, Uber vouchers, complimentary international lounge access with Dragon Pass, discounts on international roaming packs and many other benefits. There is no annual membership fee applicable to the ICICI Sapphiro Forex Prepaid Card.

One differentiating feature of the Sapphiro Forex Prepaid Card is that, like the HDFC Regalia Forex Card, the ICICI Sapphiro Forex Prepaid Card does not charge a cross-currency usage fee. This means that you can transact in any currency without being charged an extra fee.

Goibibo ICICI Forex Prepaid Card, as is obvious from the name, is a co-branded forex card by ICICI Bank launched in collaboration with the travel portal Goibibo. The card comes with an initial issuance fee of Rs. 499 (plus GST), while no annual fee is applicable to the card.

Since it is a Goibibo co-branded card, you get many Goibibo exclusive benefits with the card, like a goCash+ gift voucher worth Rs. 500 and Goibibo vouchers worth Rs. 15,000 with the card as a welcome gift. Apart from these Goibibo exclusive benefits, you also get cab vouchers worth Rs. 1,000 on loading a minimum of USD 1,000 on the card, discounted rates on dining at Indian restaurants across Kuala Lumpur, Dubai, London, Singapore, Hong Kong, and Bangkok, and a comprehensive insurance plan with covers against air accident, checked-in baggage, loss of passport/ticket, etc.

Coral Prepaid Forex Card is another prepaid Forex card by ICICI Bank. The card has an initial joining fee of Rs. 499 (plus GST). However, an annual fee of Rs. 299 (plus GST) applies from the second year onwards.

Although the ICICI Coral Prepaid Forex Card does not have a reward structure (like Reward Points or cashback), it offers plenty of value-added benefits, like BookMyShow and Uber vouchers, a comprehensive insurance plan, complete card protection by OneAssist, etc. You may refer to this article for more information on the Card.

International Spends

The IDFC FIRST Multi-Currency Forex Card stands out with its enticing zero issuance charges, making it appealing right from the start. Moreover, it offers the convenience of a replacement card in case of loss, ensuring peace of mind for travelers. What’s more, there are no charges for loading or reloading foreign currencies, making it a cost-effective choice for managing finances abroad. Whether working or on vacation, this Forex card will be useful for everyone going abroad.

The Yes Bank Multi-Currency card is one of the most beneficial cards in India as it is cost-effective and highly secure to use. You can get in touch with the online customer care department to help manage your card from anywhere around the world. Compared to most other cards, this one offers higher security and lower costs. The card supports over 10 currencies, and you get instant real-time SMS alerts whenever you transact with the card. You can analyze and check the previous 10 transaction details and can even temporarily lock the Yes Bank Multi-Currency card.

What are The Types of Forex Cards?

Forex cards are generally of two types. These have been classified on the basis of the number of currencies that they support. The following are the two major types of forex cards:

• Single Currency Forex Cards: Single Currency Forex Cards, as suggested by their names, support a single currency, and these cards are suitable for individuals who often travel to a particular country for some time. These cards can only be loaded in the one currency that they support.
• Multi-Currency Forex Cards: Multi-currency Forex Cards support multiple currencies and can be used in different countries without any additional charges. Nowadays, most card issuers offer multicurrency forex cards so that cardholders can travel all across the world with a single forex card.

Forex Cards – Features and Benefits

Like the general credit cards, some of the forex cards are also issued by the major card issuers in the country. These cards come with various features and benefits across different categories. Some of the common advantages of the forex credit cards are as follows:

• Rewards Rate: Some of the forex credit cards, such as the Axis Bank World Traveller Forex Card & Axis Bank Club Vistara Forex Card, also reward their customers in all their spends. As these cards are most suitable for international travelers, they offer travel-based rewards such as air miles, CV points, etc.
• Support Multiple Currencies: Almost all forex credit cards support not just one or two but multiple currencies, and hence, one can make transactions in different currencies and different countries without any hassle.
• Lounge Access: Some premium Forex credit cards also offer complimentary airport lounge access. These cards let you use the airport lounge facility without paying a usage fee.
• Other Features: Some cards also provide cardholders with complimentary insurance covers and zero liability protection against lost/stolen cards.

How to Use a Forex Card?

Unlike Credit Cards, a Forex card doesn’t come with a credit limit, but you need to load it on your own. Forex Cards are of best use when you are traveling to a different country, as these cards allow you to make transactions in foreign currencies. Load your card as per your requirements and as per the currency of the country you are traveling to.

After that, you can use your card, just like a debit or a credit card. You can withdraw cash in a foreign currency using your Forex card, which you can also use for online/in-store transactions anywhere.

How to Apply for a Forex Card?

Getting a Forex card is as simple as getting a general debit card. The only difference is that you might have to submit a few additional documents like your Passport, Visa, and other travel documents. So, just check the eligibility and document requirements on the respective bank’s official website or by contacting their customer care.

You can visit the branch with all the necessary documents and ask the bank officials if there is an offline procedure to apply for the card. If there is one, you can apply for the card by filling out the physical application form and completing all other formalities. You can also apply online for the card of your choice as follows:

• Visit the respective bank’s official website.
• Find an option to apply for a Forex card.
• Choose the card of your choice.
• Proceed further to apply for it and fill in all the required details in the digital application form.

Bottom Line

While credit cards are an extremely useful financial tool, using them while on foreign trips can cost you a lot. Almost all credit cards charge a mark-up fee of around 3.5% of the transaction amount (it may be less in the case of some premium and super-premium credit cards) on transactions made in a foreign currency. Therefore, it is always a good idea to carry a Forex card on foreign trips and use the same for foreign currency transactions.

As you can see above, the SBI Multi-Currency Foreign Travel Card has the lowest issuance fee of just Rs. 100 amongst all forex cards, and premium forex cards like HDFC Regalia ForexPlus Card and ICICI Sapphiro Forex Card can be used to make payments in any currency without any cross-currency usage fee. Then, there are also co-branded Forex cards like Axis Bank Club Vistara Forex Card, Goibibo ICICI Forex Card, MakeMyTrip HDFC ForexPlus Card, etc. You must find the right Forex card that best suits your needs. For example, for someone who does not travel very frequently, a simple and less expensive forex card like the SBI Multi-Currency Foreign Travel Card might be a good pick; on the other hand, if you fly frequently via a particular airline, say Air Vistara, an Air Vistara co-branded forex card like Axis Bank Club Vistara Forex Card will suit you the best.

You missed one of the most selling forex card. It’s Thomas Cooks Forex card. Same card is selling by many exchange houses and banks

I am planning to go to Europe for a year. Currently, I have a Diners Premium credit card from HDFC bank only. Can you suggest the best forex/debit or credit card that can help me save on exchange rates/taxes and can be widely used in Europe without any security issues? I have heard that Diners card acceptance is not good enough in Europe.

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Thomas Cook Travel Prepaid Card

There is barely anyone who is not excited about discovering the unique destinations of the world. Some travel enthusiasts prefer visiting multiple countries in one trip itself, while some choose one destination and explore its hidden beauty in-depth. Whether you are off to holidays or off to a business trip, one of the most the essential parts of your trip is managing foreign exchange. It is advised to buy forex in advance to avoid any last minute hassles. Some people prefer foreign currency, while some trust travel prepaid cards, depending on their usage, and itinerary. Prepaid travel cards are secure and easy, making them a preferred choice for many travelers. Do you still personally visit various forex centers around your locality to find the best rates? Stay safe from inflated exchange rates and unreliable vendors. Buy your forex online from Thomas Cook, one of the world’s most trusted foreign exchange partners. If you plan to visit multiple countries, then it only makes sense to opt for a forex travel card as it eliminates the hassle of carrying separate foreign currency of each country. Read our blog to understand the benefits and uses of Thomas Cook Forex Travel. Read our blogs for the Importance Of Carrying Forex Prepaid Card While Traveling Overseas. Thomas Cook Offers • Buy Forex card & get Amazon gift voucher worth upto ₹ 500 with additional benefits. • Buy forex card worth $1000 & get one free ATM withdrawal. For more information, please visit our offers page . *T&C Apply. Limited period offer. Get Amazon voucher of ₹500 on purchase of card worth USD 1500 & voucher of ₹250 on purchase of card worth $1000. Offer Valid Only On Website & WhatsApp. Read more

Borderless Prepaid Multi Currency Card

Our Borderless Prepaid Multicurrency Card is a smart card card that takes care of all your forex needs. It is a simple card that effortlessly fits in your pocket and empowers you to shop and explore like an avid traveler. No matter which country you are in, use this single prepaid forex card to splurge and pamper yourself, as well as withdraw money from ATMs. The best part is that you can buy the travel forex prepaid card from the convenience of your home. To further enhance your experience of booking forex, , we offer doorstep delivery of your card. Alternatively, you could also pick it up yourself from the nearest Thomas Cook branch. To get your travel card , just log on to the Thomas Cook website, enter the required details and you are good to go! Read more

Buy Your Card

Reload your card, one currency card.

Our One Currency Card safeguards you from inflated and hefty currency conversion charges. Traveling abroad can be an expensive affair and everyone makes the best attempt to reduce their travel costs by finding the best deals on hotels and flights . How about saving money on foreign exchange too? Thomas Cook along with MasterCard Worldwide has brought to you a cost-effective and efficient travel currency card that ensures a hassle-free trip. What’s more, this card empowers you to travel across countries and eliminate cross currency conversion charges, which typically range from 3% to 4% of the amount. Our collective years of expertise have enabled us to deliver world-class solutions, which in turn makes your trip a memorable one. Enhance your travel experience, while saving on forex by partnering with Thomas Cook. Read tips on how to plan an abroad trip effectively. Read more

Benefits of Thomas cook travel card

• Withdraw local currency from over 2 million MasterCard ATMs & 3 million Visa ATMs worldwide
• Swipe it across 35.2 million MasterCard merchants & 70 million Visa merchants in over 200+ countries
• Avoid currency fluctuations by loading funds in advance
• Automatic determination of currency based on transaction location
• Prepayment helps you keep to your spending plans
• Load your Card as often as you like
• Chip & PIN protected
• Not linked to your bank account
• Real time transactional alerts on SMS (Reg. Int. no.) & e-mail alerts
• Enable & Set your own Limits
• 3D Secure Authentication for Online Transactions
• Insurance cover up to USD 10,000
• Backup Card available at Zero Cost
• Free replacement of lost or stolen Cards
• Quick and simple to buy and to reload
• No surcharge at ATM's across AllPoint Network
• Website & Mobile App to check balance, statement, change PIN & block card
• Use unspent funds on your next trip, withdraw the funds at an ATM abroad, or cash out your Card
• Emergency cash, up to your available Card balance, subject to availability

Customer Assistance

• Dedicated Toll free Number in India
• 24x7 Global Customer Assistance Services
• Emergency Services

Documents required

The usage of your Travel Currency Card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations. The amount loaded or reloaded on a card can be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations in force at present. The usage of your Travel Currency Card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations. The amount loaded or reloaded on a card can be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations in force at present. The usage of your Travel Currency Card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations. The amount loaded or reloaded on a card can be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations in force at present. Read more

The usage of your Travel Currency Card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations. The amount loaded or reloaded on a card can be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations in force at present.

The usage of your Travel Currency Card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations.

The usage of your Travel Currency Card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations. The amount loaded or reloaded on a card can be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations in force at present.The usage of your Travel Currency Card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations. The amount loaded or reloaded on a card can be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations in force at present.

What People are Saying

Buying Forex from Thomas Cook is just so convenient. Since I am a frequent traveller and visit lots of countries, I opted for One Currency Card. This card makes my foreign traveler very a hassle-free process as far as forex is concerned.

- Jai , Jaipur

Buying Forex is not as easy as you think. But Thomas Cook makes it really easy for people who are buying it for the first time. The process is simple and the best part is the door step delivery. You don’t have to step out of your home to buy foreign exchange.

- Ronak, Mumbai

I am frequent traveller and Thomas Cook One Currency Card is a boon for travellers like me. I travel across borders with just one card

- Maya, Bangalore

Let us know about your experience,just by sharing your reviews.

Frequently asked Questions

• What is a forex card? Forex cards are prepaid cards, which can be used to make payments or withdraw cash in a foreign currency. You can use this card just like your debit card without linking it directly to your bank account. Forex cards also charge either zero or minimal transaction fees.
• Can I use a forex card to make purchases in India or online? As per FEMA regulations, Borderless Prepaid Cards and One Currency cards cannot be used in India, Nepal and Bhutan You cannot use it for online purchases where the website is registered in any of these 3 countries.
• Does a prepaid forex card get me better currency exchange rates? You get better exchange rates depending on the prevailing market rates and conditions. Prepaid forex cards let you load the funds in advance, allowing you to lock your conversion rate.
• Does a prepaid forex card have a validity period? Yes, a prepaid forex card has a validity period. Thomas Cook’s Borderless Multi-Currency Card is valid for 5 years and One Currency Card is valid for 3 years.
• Do I have to pay any annual maintenance charges for my prepaid forex card? There are no annual maintenance charges for Thomas Cook’s prepaid cards. However, you will be charged an inactivity fee if you don’t conduct any transactions for six months.
• Will I have to buy a new prepaid forex card every time I travel abroad? You can use the same prepaid card depending on your currency needs. For instance, if your 2nd trip entails using dollars in the foreign country then you can reuse your One Currency Card. However, if you need to carry any other currency, you may have to purchase Borderless Prepaid Card, in case you don’t have it already.
• How can I buy a prepaid forex card from Thomas Cook? You can either visit any Thomas Cook branch or place an order online. Just select ‘Buy Forex Online’, choose your desired currency and amount. Enter all your details and choose delivery options. Make the payment and you are good to go!
• What are the documents that are needed to buy a prepaid forex card? You will require the following documents to buy Forex cards from Thomas Cook • Valid Passport • Airline Ticket or Visa • Basic Travel Quota Form (BTQF) • Residence Permit • LERMS letter in case of business travel
• Can I pay for my forex card with cash? Yes, you can pay for your forex card with cash at any Thomas Cook branch.
• What happens if I lose my forex card during my travel abroad? If you lose your forex card just walk into the nearest Thomas Cook branch and we’ll provide you with a new forex card, absolutely free of cost. Your money will remain safe as the card is chip and PIN protected.
• Can I load multiple foreign currencies in a single forex card? Yes, you can. With Thomas Cook’s Borderless Prepaid Card, you can load up to 9 currencies in a single forex card.
• Can I use my forex card to withdraw cash from ATMs when abroad? Yes, you can use your Forex card at any ATM that accepts Master Card & Visa respectively.
• What should I do if I forget the ATM PIN of my forex card? You can either log on to Thomas Cook’s website and change the pin or call up our 24/7 customer care assistance.
• What is Dynamic Currency Conversion? When you use One Currency Card abroad, some merchants may give you an option of billing you in Indian Rupees versus billing you in the local currency. This concept of billing you in a different currency from that of the country you are travelling in is called Dynamic Currency Conversion (DCC).
• Are there any charges for ATM withdrawals and swiping at merchant establishments? With Thomas Cook’s cards you don’t have to pay any transaction fees at Thomas Cook’s All Point Network (APN) ATMs. You will be charged a transaction fee by the ATM’s bank only if you withdraw from an ATM which is not in Thomas Cook’s APN. At merchant establishments, you’ll be charged a currency conversion fee if you are paying in a currency other than your country’s currency.
• What is the use of a borderless prepaid card? How is it helpful? Borderless Prepaid Multicurrency Card is a smart card card that takes care of all your forex needs. It is a simple card that effortlessly fits in your pocket and empowers you to shop and explore like an avid traveler. No matter which country you are in, use this single prepaid forex card to splurge and pamper yourself, as well as withdraw money from ATMs.

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The 6 Best Travel Money Cards for India 2024

If you’re travelling to India, a dedicated travel money card can make spending and withdrawing Indian rupees cheaper and more convenient. Different types of travel money cards exist to support different customer needs, including travel debit cards, prepaid travel cards and travel credit cards. The right one for you will depend on your personal preference and how you like to manage your money.

Read on for all you need to know, including a closer look at travel money card types, some great options to consider, and the sorts of fees you need to think about when you choose.

Wise - our pick for travel debit card for India

Before we get into details about different travel money card options, let’s start with the Wise card as a versatile option for a travel money debit card that allows you to hold and spend not only INR but also a diverse range of other currencies.

Wise accounts can hold and exchange 50+ currencies, and you can get a linked Wise card for a one time delivery fee. Top up your account in pounds and switch to INR before you travel, so you know your travel money budget in advance - or if you’d prefer, you can simply allow the card to automatically switch currencies as and when you need it. All currency conversion uses the mid-market exchange rate, with low fees from 0.41%. Here are some of the pros and cons of the Wise travel money debit card, to help you decide if it’s right for you.

Hold and exchange 50+ currencies alongside INR

No fee to spend any currency you hold, low conversion fees from 0.41%

Mid market exchange rate on all currency conversion

Some fee free ATM withdrawals every month

No ongoing fees and no interest to pay

7 GBP delivery fee

No option to earn points or rewards

Click here to read a full Wise review

What is a travel money card?

A travel money card can be used for payments online and in stores, and for cash withdrawals, just like your regular bank card can be. However, with a travel money card you’ll find the features and fees have been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees. Some travel cards also have options to earn cashback and rewards when you use your card internationally.

6 travel money cards for India compared

We’ll look at each of these card options in a little more detail in just a moment, but let’s start with an overview of how 6 top travel money cards for India compare side by side:

As you can see, the features and fees of different travel money cards can vary widely. In general travel debit cards can be convenient and often fairly cheap to use, while travel credit cards can offer some nice benefits like cashback or rewards - but do mean you might be faced by interest costs and late payment charges if you don’t clear your bill in full every month.

Travel debit cards often let you top up a linked account online or through an app, so you can set your budget and can’t spend more than you intend. Travel credit cards on the other hand let you spend to your card limit, and then repay the amount over a few months if you’d prefer to. Which is best for you will come down to how you like to manage your money - we’ll dive into a few more details about each card type, next.

What are different types of travel cards?

UK customers can get a travel money card from either a regular bank or a specialist provider, which may be a travel debit card, travel prepaid card or a travel credit card. Let’s take a closer look at what each travel money card type is, and pick out a couple of good card options, so you can compare and choose.

1. Travel debit cards

2. Travel prepaid cards

3. Travel credit cards

1. Travel Debit Cards

Travel debit cards are usually offered by specialist providers, with linked digital accounts you can use to hold and convert a currency balance. While different cards have their own features, travel debit cards can usually be topped up easily online and through an app, with the option to see your balance and get transaction notifications through your phone too. That makes it easier to keep on top of your money, even when you travel.

Wise - travel debit card for India

Wise is our best value travel money debit card for India. There’s no fee to open a Wise account, and just a small delivery fee for your Wise card, with no minimum balance and no monthly charge. You just pay low Wise fees from 0.41% when you convert currencies, and transparent ATM withdrawal fees when you exhaust the monthly free transactions available with your account.

No fee to open a Wise account, no minimum balance requirement

7 GBP one time fee to get your Wise card

2 withdrawals, to 200 GBP value per month for free, then 0.5 GBP + 1.75%

Hold INR and 50+ other currencies, convert between them with the mid-market rate

Travel debit card option 2: Revolut

Revolut has a selection of different account tiers, so you can simply pick the account you prefer - from free Standard plans to the 12.99 GBP/month Metal plan. All Revolut accounts have linked cards, although exactly what type of card you get depends on your account tier. You can hold around 25 currencies including INR, and convert currencies with the mid-market rate to your plan’s allowance.

No fee to open a Standard Revolut account, or upgrade for up to 12.99 GBP/month

Card delivery fees may apply depending on your account tier

All accounts have some fee free currency conversion with 0.5% fair usage fees after that

Standard plan holders can withdraw 200 GBP (up to 5 withdrawals in total) per month for free

Hold INR and around 25 other currencies

Pros and cons of using debit travel cards in India

No possibility to run up interest costs or late payment fees

Real-time currency holding and exchange options available

Digital top-up, management, and account viewing features

Safe to use as they're not connected to your primary UK bank account

Issued on widely-used global payment networks

Transaction and currency conversion fees may apply

Cash back and rewards may not be available

Click here to read a full Revolut review

How to choose the best travel debit card for India?

The best travel debit card for India really depends on your personal preferences and how you like to manage your money. If you’ll be travelling widely it makes sense to look for an account with mid-market currency exchange and a large selection of supported currencies as well as INR, like Wise. Other providers like Revolut can also be a good pick, particularly if you’ll use your account very frequently and would prefer to pay a monthly fee to unlock lots of fee free transactions and extra perks.

Is there a spending limit with a travel debit card in India?  

Different providers set their own limits for card use. Limits may apply daily, weekly or monthly, and can apply to different types of transactions. You might find you have a limit to the amount of ATM withdrawals you can make per day, for example, or the value of contactless payments - these limits are set for security and can sometimes be managed and changed in the provider’s app.

2. Prepaid Travel Cards

Prepaid travel cards can be ordered or collected from specialist providers - once you have a card you’ll just need to add funds in the supported currency of your choice. While prepaid travel cards are usually issued on large global networks - and can therefore be used pretty widely - not all cards support all currencies. INR prepaid cards are pretty hard to come by, so you may find you pay a foreign transaction fee when you spend. However, a prepaid card can still be helpful from a security perspective, as it means you won’t need to use your regular bank card while you’re in India.

Prepaid travel card option 1: Post Office

You can pick up a Post Office prepaid travel money card in a Post Office branch or order one online. You’ll then be able to top up in pounds or one of the 22 supported currencies. As INR isn’t a supported currency you’ll pay a 3% foreign transaction fee to spend with your card in India - however this card can still be a helpful choice because it means you can avoid using your regular bank card while overseas.

Hold and exchange 22 currencies (not including INR)

No fee to spend a balance in a supported currency

3% foreign transaction fee when spending a currency you don’t hold on the card

Variable ATM withdrawal fees based on the currency you hold

No interest to pay

Click here to read a full Post Office review

Prepaid travel card option 2: Monese

Monese accounts can be opened by UK residents to hold GBP, EUR and RON. There are several different types of accounts, from the Simple account which has no monthly fees, to fee paying account tiers which have more features. It’s free to spend a balance you hold - but as INR isn’t a supported currency, you may find you pay a foreign transaction fee of 2% when you’re spending in India. Foreign transaction fees may be waived for higher tier account holders.

Hold a balance in GBP, EUR or RON

Choose a free Simple account, or upgrade to an account with monthly fees

Foreign transaction fees of 2% may apply depending on your account tier

ATM withdrawal fees may apply, depending on the value of withdrawals and the account tier you hold

Track and spend Avios reward points within your account

Pros and cons of using prepaid travel cards in India

Manage your account, add more money or convert funds online or with an app

Accounts with no monthly fees are available

Selection of supported currencies, with no fee to spend a currency you hold

ATM withdrawals supported globally

Some accounts have extras like options to earn reward points

INR may not be a supported currency

Transaction fees apply to most accounts

How to choose the best travel prepaid card for India?

There’s no single best travel prepaid card for India - it’ll come down to your personal preference. If you hold a Monese Classic or Premium account already it’s good to know that the 2% foreign transaction fee is waived, which means you get the card network rate when you spend in India. This may be cheaper than using your regular bank card. The Post Office card can also be an option if you’re simply looking for an alternative to your normal bank card when you’re in India, plus you can get a card instantly by walking into a Post Office branch.

Is there a spending limit with a prepaid card in India?

Different prepaid travel cards set their own limits for spending and withdrawals, which can  vary between currencies. You’ll need to check your card’s terms and conditions carefully to make sure you pick a provider which suits your needs.

3. Travel Credit Cards

Travel credit cards typically offer some extra international features compared to regular credit cards, such as low or no foreign transaction fees or extra option to earn rewards when you’re abroad. In general, travel credit cards are safe and convenient but can be more expensive compared to using a debit card option. Before you select the right card for you it’s important to check the fees, rates, eligibility rules and interest rates which apply, so you can make sure it’s a good fit for you.

Travel credit card option 1: Barclaycard Rewards Visa

With the Barclaycard Rewards Visa card, there are no international ATM or foreign transaction fees. Instead, your overseas expenses are converted to pounds at the Visa exchange rate and added to your monthly statement. To avoid fees and interest, you’ll need to repay your balance in full each month, but as a bonus you can earn cashback on your everyday expenditures.

No foreign transaction or foreign ATM fee

Earn cashback at 0.25% on spending

Protection on purchases over 100 GBP

International spending uses the Visa exchange rate

Variable interest rates which apply if you don’t pay off your bill in full

Travel credit card option 2: Halifax Clarity Mastercard

The Halifax Clarity Mastercard has a variable interest rate which you can see when you check your eligibility for the card. There’s no foreign transaction or foreign ATM fee to pay, and all currency conversion uses the Mastercard exchange rate.

Variable interest rates

Check your eligibility and order a card online easily

No foreign transaction fee

No ATM fee - but interest will accrue instantly when you make a withdrawal

Mastercard exchange rates apply

Pros and cons of using credit cards in India

Spending more than 100 GBP covered by additional consumer protection

Option to pay for travel expenses over multiple months

Check card eligibility online without affecting your credit score

Potentially no foreign transaction or ATM fees

Network exchange rates usually apply, which are usually pretty fair

Interest charged if you don’t repay in full every month

Eligibility rules apply

How to choose the best travel credit card for India?

The best travel credit card for India will depend on your personal preferences. If you’re interested in earning rewards and cash back on your overseas spending, the Barclaycard Rewards Visa might be a good pick, as it has no foreign transaction fee and offers cashback on all spending. Whichever card you’re considering you’ll want to weigh up the potential fees you’ll need to pay against the rewards you can earn to make sure it’s worthwhile.

If you’re planning to travel to India you might want to pick a travel money card for while you’re away. Travel money cards have different features, and can be picked up via regular banks, online specialists and even the Post Office.

Not all travel cards support INR, so you’ll need to check out the fees and features of a few to pick the right one for you. For example, you could opt for a low cost travel debit card which can hold a selection of currencies including INR - like the Wise account. Or you might prefer a prepaid travel money card like the Monese card which can be linked to either a fee free account or an account which has monthly fees in exchange for lower transaction charges. Finally, another option is to get a travel credit card either to earn cashback and rewards, or to avoid foreign transaction fees.

The good news is that the UK market is well served for all types of travel money cards - use this guide to start your research and pick the right option for your specific needs.

FAQ - Best travel cards for India

You can usually make cash withdrawals with a credit card in India at any ATM that supports your card network. You’ll often find that a fee applies, and you may start to accumulate interest on the withdrawn amount immediately. Travel money debit cards from providers like Wise and Revolut can be a lower cost option for cash withdrawals in INR.

You can normally use your debit card anywhere you see the card network’s logo displayed. Visa and Mastercard networks are very well supported globally, including in India, making these good options to look out for when you pick your travel debit card for India.

Prepaid cards from reputable providers are safe to use at home and abroad. They aren’t linked to your main bank account which can offer extra peace of mind, and may also make it easier to manage your travel budget. However, you’ll need to check the card features and fees carefully to make sure you're getting the best match for your needs.

Niyo Global Card with

Zero forex charges *.

With Niyo Global Card, enjoy Zero forex charges on international spends, zero TCS on spends up to 7 lakhs, free lounge access and up to 1% cashback on domestic spends.

Zero TCS on spends

Luxury is now complimentary

Enjoy your toast and the best of pre-flight luxury with Niyo Global’s complimentary airport lounge access at international airport terminals across the world.

Your Niyo Global zero forex card* gets delivered within 3-5 days.

Earn locally, redeem globally

Earn Global Coins on every transaction with your Niyo Global zero forex card*. Redeem as cashback abroad.

Travel mood calls for Travel Mode

Essential tools for convenient travel.

Stay on top of your overseas travel with unique travel tools like VAT refund, lounge locator, currency converter and ATM locator all in the Niyo Global App.

Trusted companion in 150+ countries

The Niyo Global zero forex card* works smoothly in 150 countries across POS , ATM and e-commerce.

Your money is in safe hands

Get peace of mind with our strong security systems and trusted partners, your money is insured.

Up to ₹5 Lakh insurance cover by Deposit Insurance Scheme (insured by DICGC, a wholly owned subsidiary of RBI).

Hide your balance from the screen with a wave of your hand

Manage card locks/limits

Lock/Unlock your card or Set/Reset your Card PIN on your own via the app.

Problems pop up, so should help

When we say 24x7 support, we really mean it. Use the in-app chat support to get real-time assistance anytime and at any time zone.

When we say 24×7 support, we really mean 24×7 support. Use the in-app chat support to get real-time assistance anytime and at any time zone.

We are tried and trusted

Niyo Global, in the past 7 years has served more than 1 Million customers by empowering them with the best international spending experience.

Meet our lifetime brand ambassadors

Niyo global faqs, what are the different niyo global cards and their features.

Niyo Global offers two zero forex markup debit cards in partnership with Equitas Small Finance Bank and DCB Bank. Niyo Global also offers a zero forex markup secured credit card in partnership with SBM Bank India. You can opt for any one card or multiple cards based on your needs. Below are the features for all the three cards.

All Our Niyo Global Cards

Credit Card with SBM Bank

Debit Card with Equitas Bank

Debit Card with DCB Bank

Zero forex* markup

Airport lounge

Free airport lounge access at international terminals in India

Tax Collected at Source (TCS)

Zero TCS on unlimited international spends

Pay Zero TCS for international spends up to 7 lakh

Card delivery

3 days in metro and upto 5 days in other cities

Account opening charges

Absolutely no charges

Card charges

No annual charge

An issuance fee of ₹234.82
(₹199 + GST) is applicable on debit card (refunded on first load of ₹1,000 or more)

(₹500 + GST) will be waived off on average quarterly balance of ₹5,000.

International ATM withdrawal charges

₹500 + GST or 2.5% of the transaction amount (whichever is higher)

₹499 per transaction 
(₹422.88 + 18% GST)

Zero balance account

No charges for not maintaining any balance in the account

Interest rate

Upto 7.25% p.a. on your FD linked to credit card

Upto 7.8% p.a. on your linked savings a/c

Upto 8% p.a. on your linked savings a/c

Load in INR and spend in 130+ currencies in 150+ countries

Daily fund transfer limit

₹10 lakh (₹5 lakh NEFT & IMPS each)

₹5 lakh (NEFT/IMPS)

Daily UPI limit

What is Niyo Global zero forex markup card?

The Niyo Global international Debit and Credit Card with zero forex charges are designed to help Indian travellers transact in foreign currency conveniently and securely at no extra charges.

Usually, most leading banks and service providers add a fee of up to 5% for the convenience of making payments in a foreign currency. Niyo Global cards do not charge this fee and allow you to make transactions abroad at no extra cost and save up to 5% with each transaction abroad.&

Niyo Global cards are INR-based and built on an interest-earning digital savings account platform in partnership with SBM Bank India,  Equitas Small Finance BAnk and DCB Bank . The Niyo Global app linked to the digital bank account makes it easy to add money and track expenses, all in one place.

Niyo Global Secured Credit Card with zero forex markup makes it easy to put safety deposits for hotel and rental car bookings in India and abroad, increase the credit limit on the go, build a stronger credit score, and more. You can use the Niyo Global Credit Card to make unlimited international spends without paying any TCS (Tax Collected at Source). Use it as your primary credit card for maximum savings.

Niyo Global cards can be used to withdraw cash from ATMs  and make purchases at merchant outlets in foreign countries and online payments on international sites. You can use the Niyo Global Credit Card to withdraw cash from ATMs globally at a flat fee of ₹300 + GST and 0% interest.

What are the benefits of zero forex markup Niyo Global Card?

Zero forex markup fees.

The Niyo Global debit & credit card comes with zero forex markup fees, which means that customers can enjoy foreign currency exchange rates without any additional charges. This results in up to 5% savings on all foreign currency transactions.

Hassle-Free  

Niyo Global debit and credit cards are convenient for making payments while travelling abroad. 

The cards convert the INR to local currency without any additional charges. They eliminate the need to carry cash and allow easy access to local currency through ATM withdrawals. Niyo Global cards take away the need for multi currency travel cards—just load them in INR and make seamless payments at merchant outlets globally. You can load in INR and transact in the currency of your current location abroad. Once you’re back in India, you can use your account balance for domestic POS/ECOM/ATM transactions and international ECOM. The Niyo Global international credit card also lets you increase the card limit on the go for easy deposits on hotel and rental car bookings, etc.

Sense of Security

The Niyo Global cards support contactless payments, which makes them a safe and convenient way to transact in foreign countries. The fully-integrated Niyo Global app also comes with a lost card protection feature that allows you to block the card immediately in case of loss or theft, thus ensuring the safety of your funds loaded on the card. The app also allows you to temporarily lock/unlock the entire card, domestic and international transaction channels such as online transactions, card swipes, ATM withdrawals, and Tap & Pay. You can set/reset PIN, permanently block the card from the app in case your card is lost/stolen. 

Wide Acceptance

The Niyo Global cards are widely accepted at over 36 million merchant outlets and 1 million ATMs worldwide, making them a convenient and better option for payments during international travel.

High Acceptance Rate 

The Niyo Global cards are accepted in 150+ countries to make payments in 130+ currencies. In addition, it allows customers to load the card in INR, eliminating the need to carry multiple currency notes. 

Easy Reloading

Another benefit of Niyo Global cards with zero markup fees is that they can be reloaded 24X7 easily online via UPI/IMPS/NEFT and the funds become available for use immediately. This is among the top travel card benefits of Niyo Global cards, especially if you are travelling abroad and falling short on funds in your card.

24×7 Customer Support

Your Niyo Global debit card and credit card benefits give you access to 24×7 in-app chat support. We’ll be here to help you with any issues you may face while using the card.

What are the financial services offered by Niyo Global?

Niyo is a financial technology company offering various financial services to Indian customers. Some of the financial services offered by Niyo Global include:

• Digital savings account with international debit card in partnership with SBM Bank (India), Equitas Small Finance Bank, and DCB Bank
• International secured credit card in partnership with SBM Bank (India)
• Wealth management
• International travel planning
• Personal/Travel loans

Who is eligible for a Niyo Global card?

All residents of India, above 18 years of age who hold a valid Indian passport are eligible to apply for a Niyo Global card.

Niyo Global offers debit/ credit cards in partnership with DCB Bank, Equitas Small Finance Bank, and SBM Bank (India).

What is the daily limit and cost of the Niyo Global Zero Forex Markup Card?

The daily limit for transactions on a Niyo Global Zero Forex Markup Card varies depending on the type of transaction. Please check your Niyo Global app for more details. Tap on Hub > Rates & Limits.

How do I add money to my Niyo Global Card?

You can add money to your Niyo Global Card in just a few simple steps:

• Log in to your Niyo Global app
• Click on “Add Money”
• For UPI: Enter the amount you want to add and follow the instructions on your third-party UPI app to complete the transaction
• For Bank Transfer: Add your Niyo Global account as a beneficiary in another NEFT/IMPS-compatible bank account and complete the transaction

Once the transaction is successful, the funds will be loaded to your Niyo Global Card and you will receive a confirmation message on your registered mobile number and email address. You can also check the updated balance on the Niyo Global app.

Why are Niyo Global cards better than multi currency forex Cards?

Banking partners.

*VISA exchange rate is applicable. # At select international terminals in India. Conditions apply.

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10 Best Prepaid Travel Cards for India

Table of Contents

Prepaid travel card

When planning a vacation, you probably have the expense front and center in your mind.

In international travel, it’s not always the best idea to use your regular credit card because of the added forex markup cost associated with purchases made in a currency other than the one on which your card is issued. This is why many companies issue prepaid travel cards designed specifically for those who frequently travel.

10 Best prepaid travel cards for India

Here are some of the best-prepaid cards to consider while traveling:

• Happay World Travel Card
• Axis Bank Multicurrency Forex Card
• YES Bank Multicurrency Travel Card
• HDFC Multicurrency Forex Card
• IndusInd Bank Multicurrency Card
• Thomas Cook Forex Card
• ICICI Bank Forex Prepaid Card
• SBI Multicurrency Foreign Travel Card
• MakeMyTrip HDFC Bank ForexPlus Card
• Goibibo ICICI Bank Forex Prepaid Card

Must read: 5 Best Corporate Credit Cards in India

10 Best prepaid travel card for India – A comparative table

List of 10 best prepaid travel cards for india, 1. happay world travel card.

Happay’s World Travel Card solves some of the most crucial challenges that CFOS and Travel officers face. For instance, as regards international travel, finance leaders need robust controls and real-time visibility.

However, they are equally concerned about picking

• Cards that offer the best currency rates
• Travel cards that can be tracked, managed, and controlled easily.

Happay’s World Travel Card is ideally designed for a modern workforce where the key is to offer ease of use (for employees) and superior visibility and control (for employers). These secure cards offer powerful pre-spend controls and 24/7 app access. 

The smartphone app lets employees view and track their card balance and transaction history in real time. Admins can block lost or stolen cards temporarily or permanently, giving them complete control over usage. Happay World Travel is a single-currency business travel card that can be filled instantaneously in INR and can be spent across 150 countries without the need for re-conversion upon return. 

How to get a World Travel Card?

If you are a startup (funded) or an enterprise, you can apply for a World Travel Card. Once you have provided all the necessary documents,  you can avail of credit within 5 hours of onboarding. 

Documents required to get a World Travel Card

To apply for a World Travel Card, you must provide the KYC documents and all relevant company information. You may contact Happay for any additional information.

2. Axis Bank Multicurrency Forex Card

Axis Bank Multicurrency Forex Card is one of the popular forex cards in India. Applicants do not need to reload their cards with different currencies whenever they travel. In addition to protecting you from currency fluctuations, the card also serves as a hedging tool.

You can cash out your funds using this card after completing your journey. Consumers can pay by waving their cards across a contactless scanner without physically contacting the device.

You can load the following currencies:

New Zealand Dollar,(HKD) Hong Kong Dollar, South African Rand., and the Danish Krone

Suggested Read: What is the corporate credit card limit?

 3. YES Bank Multicurrency Travel Card

YES Bank Multicurrency travel card is very safe and cost-effective. You can easily manage your card from anywhere and anytime using the online customer service portal. Additionally, you can view your transaction history easily.

Loading currencies is possible in the following currencies:

The British Pound, the Euro, the Singapore Dollar, the Australian Dollar, the UAE Dirham, the Japanese Yen, the Canadian Dollar, the Hong Kong Dollar, the Chinese Franc, and the Swiss Franc.

4. HDFC Multicurrency Forex card

In the market, the HDFC Multicurrency Forex Card is among the most popular choices. On a single card, 22 currencies are available.

Contactless cards offer supplementary insurance and concierge services and the ability to shuffle cash between two distinct currencies. Forex traders can also benefit from them by protecting themselves from currency swings. In the event that customer data is misused, the customer is also entitled to compensation of up to 5 lakh rupees.

Below are the currencies that can be loaded:

The currencies that can be loaded are Euros, Oman Riyals, Korean Wons, United Arab Emirates Dirhams, Japanese Yen, Saudi Riyals, Sterling Pounds, Malaysian Ringgits, Norwegian Krones, Swiss Francs, Thai Bahts, Danish Kronas, Swedish Kronas, and South African Rands.

Also, Read: 5 Best RazorpayX Alternatives for Corporate Card

 5. IndusInd Bank Multicurrency Card

Card with multicurrency capabilities from IndusInd Bank

A popular multicurrency card among travelers is the IndusInd Bank Multicurrency Card. With this card, you can use 14 different currencies, and you won’t have to worry about international markups. With the package, customers can withdraw up to two free withdrawals from ATMs each month.

The euro (EUR), the Singapore dollar (SGD), the British pound (GBP), the Saudi riyal (SAR), the US dollar (USD), the Canadian dollar (CAD), the Australian dollar (AUD), the Euro (EUR), the British pound (GBP), the United Arab Emirates Dirham (AED), and the British pound (GBP) are among the major currencies.

6. Thomas Cook Forex Card In India

Thomas Cook Forex cards are smart and secure. They are available in 9 different currencies, allowing you to swipe them across numerous Master and VISA card POS or merchant outlets worldwide. 

Offering insurance coverage of up to $10000, the card also features 3D secure authentication for all online transactions. You can also check balances, statements, and block cards via toll-free customer service online.

Thomas Cook travel cards offer convenience as they are simple to buy and reload.  Replacement and backup cards are available at no cost. Further, emergency cash is available on these cards (up to the available card balance and subject to availability).

These currencies can be loaded on this card:

The US dollar (USD), the Canadian dollar (CAD), the Australian dollar (AUD), the Euro (EUR), the British pound (GBP), the United Arab Emirates Dirham (AED), the Singapore dollar (SGD), are among the major currencies that can be loaded on this card.

7. ICICI Bank Forex Prepaid Card

ICICI Bank Forex Prepaid Card is a good option if you are planning to travel internationally. Travel schedules can be adapted to your needs. Reloading this card is possible through ICICI FX’s online platform, mobile app, or branch locations.

As well as restaurant discounts, it offers discounts on shopping and a range of other outlets worldwide by up to 20%.

Their insurance policy also covers a maximum of Rs 10,00,000. It takes just two days to receive the card after opening an account with ICICI bank, and there is no need to open a savings account or current account.

There is a wide range of currencies that you can load onto the ICICI Forex Card, including

Swiss Francs, Japanese Yens, Swedish Kronas, South African Rands, Saudi Riyals, Thai Bahts, New Zealand Dollars (NZD), Hong Kong Dollars (HKD), US Dollars, Singapore Dollars, British Pounds (GBP), Australian Dollars (AUD), Arab Emirates Dirhams (AED), Canadian Dollars (CAD), Euros (EUR), Swiss Francs (CHF).

Quick Read: What is Credit Card Reconciliation?

8. SBI Multicurrency Foreign Travel Card

It can load seven currencies from different countries.

Using a MasterCard Acceptance Mark allows you to make payments wherever MasterCard is accepted, including restaurants, shopping, dining, and lodging. You can access it 24/7, every day of the week.

You can load the given below currencies:

The US Dollar (USD), the Pound Sterling (GBP), the Euro (EUR), the Canadian Dollar (CAD), the Australian Dollar (AUD), the Japanese Yen (YEN), the Saudi Riyal (SAR), and the Singapore Dollar (SGD) make up the five major currencies.

9. MakeMyTrip HDFC Bank ForexPlus Card

With features such as chip and PIN-enabled transactions, backup cards, and the ability to temporarily block the card, this HDFC Bank travel card is one of the best travel cards in India .

You can apply for these cards even if you are not an HDFC customer. Designed to make your international travel hassle-free, the HDFC card has several advantages, including complimentary membership in MMT’s Black Loyalty Program.

Currencies that can be loaded:

There is the option to load over 22 currencies in a single card, which allows you to enjoy your travels without any worries. The card also provides insurance for up to Rs 25 lakh.

10. Goibibo ICICI Bank Forex Prepaid Card

An ICICI Bank and Goibibo-branded forex prepaid card has been launched jointly by the two firms. Prepaid cards must be loaded with cash before being used for transactions. The program has no reward structure but offers discounts on forex rates, eating out, cab vouchers, etc. If your card is lost or misplaced, you will receive assistance 24 hours a day, 7 days a week.

This card supports the given below currencies:

USD (United States Dollar), Pound sterling (GBP), Canadian Dollar (CAD), Singapore Dollar (SGD), Japanese Yen (JPY), Saudi Riyal (SAR), Thai Baht (THB), New Zealand Dollar (NZD), Swedish Krona (SEK), Euro (EUR), Australian Dollar (AUD), United Arab Emirates Dirham (AED), Hong Kong Dollar (HKD) and South African Rand (ZAR)

Suggested Read: Impact of Company Credit Cards on Credit Scores

What is a prepaid travel card?

These cards are prepaid, meaning that, unlike credit cards, you must add funds before using them to make a purchase. Most of the top forex cards in the market are single-currency or multi-currency, allowing you to choose the one that suits your requirements.

The advantage of a prepaid travel card is that you do not have to carry cash everywhere, and carrying physical cash is not as secure as carrying digital cash.

It also assists in getting better exchange rates if you use a travel card with foreign currencies. This is because regardless of how the forex market fluctuates, the rate of the funds you have put in your travel card remains constant.

Travel Card vs Forex Card

Advantages of prepaid travel cards.

• Prepaid travel cards for travelers are accepted globally.
• Prepaid travel cardholders have the option of loading multiple currencies onto a single card.
• When used at restaurants in dozens of countries, the prepaid international card gives customers access to substantial savings.
• The customer earns reward points for each purchase made with their prepaid card.
• Customers can check their remaining balance at any ATM worldwide. In most circumstances, the bank will also send a notification text message to the consumer after each purchase or withdrawal, detailing the remaining value on the card.
• To maintain tabs on finances, you can view bank statements whenever you want
• Two replacement cards can be purchased if the original card is lost or stolen.
• There’s more flexibility and control over the currency and information.
• As soon as funds are added to a prepaid card, you’ll be limited to using only that amount. In this case, neither an overdraft nor a credit line is involved.
• If you don’t have a checking account with a bank, a prepaid card can still be used to make online purchases.
• Your prepaid card can be used at ATMs to withdraw cash if you find yourself in a bind. Although you need not be a customer of any specific financial institution to use an ATM, users of ATMs owned and operated by private businesses may be subject to fees.

Future read: 10 Best expense management software

How to choose your prepaid travel card?

Although there are numerous cards to choose from, determining which is right for you is easiest when you know where you intend to go. 

• You will need a card that can convert currencies in case you visit more than one country during your trip.
• There are various fees to consider while making a final decision, such as those associated with replacements, inquiries, and price hikes for shipping over international borders. 
• Investigate the exchange rates and the safety net they provide in the event of theft or loss.
• Costs associated with using your card abroad may include conversion costs, foreign transaction fees, ATM withdrawal fees, overlimit fees, and similar charges. To find out what fees may be incurred, check your bank’s or credit card company’s website or contact the customer care.
• In the event of card loss or theft, the first thing you should do is have access to your card temporarily disabled. You might either phone the bank’s customer service line or go online to disable the card yourself. 

Must read: TOP 10 Corporate Credit Card Benefits

How does the Happay World Travel Card benefit your employees?

• Happay cards can be issued to employees to make paying for business-related travel expenses easier. 
• The most obvious benefit to employees is that they won’t have to pay for these things out of their pockets. They also need not wait to get reimbursed .
• Expense information can also be accessed on the go using the mobile app. If you use Happay cards, you will have complete access to your spending data and analytics. In addition, you can get this data (in real-time) via the Happay Expense Dashboard.
• Happy travel cards make it much easier to keep tabs on business travelers’ spending. Pre-set spending restrictions, blocking and unblocking of cards, and fund transfers can all be managed from the mobile application.
• The finance team spends less time reconciling because all transactions are automatically reconciled.

As far as affordability, security, and convenience is concerned, no other forex card provider can match Happay.

The decision to travel abroad is not one to be made lightly. One thing you can’t forget about your trip is arranging the foreign currency.

Compared to the other travel cards we’ve discussed, the Happay World Travel Card does not charge any issuance fee and allows you to purchase in any currency without incurring additional fees.

Prepaid cards offer convenient and secure access to your money while traveling internationally, so they should be among your first options. Select the best-prepaid card for your upcoming trip abroad and travel hassle-free.

FAQ’s

Prepaid travel cards are designed specifically for overseas travelers. Prepaid travel cards allow users to load funds in various foreign currencies and do not impose any additional fees for making purchases in the currency for which they were issued.

a) Carrying money abroad is safer with a travel or forex card. b) A PIN protects it and makes it convenient to carry. c) If you lose your card, the amount on it is still safe in your account even if the card is blocked. d) In addition, it protects you from fluctuations in foreign exchange rates. e) Multiple currencies can be carried on a forex card, which is convenient and safe. f) In many cases, the loss or theft of your card is covered by free insurance.

Online shopping, flights, hotels, and other online payments are all possible using it like your credit card. With a forex card, you won’t be charged additional (cross-currency) fees when making online purchases abroad.

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How to Make Travel Checklist for Executive Assistants?

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The 5 best travel money cards for india in 2024.

India is a large and mesmerising country that is rarely seen in one visit. Australians love travelling to India for its delicious food, cultural sites and difference in lifestyles.

In India you are likely to pay for accommodation, food, transport and entertainment as well as withdraw cash from ATMs with your card. So which is the best travel card to take with you?

It's easy, to save you lots of time, we have compared a large number of the best cash cards for overseas travel in 2024 and have summarised their best points.

Best 5 Travel Money Cards for India in 2024:

• Wise Multi Currency Card for best exchange rates
• Revolut Travel Card as the best all rounder
• HSBC Global Everyday Debit Card for ATM cash withdrawals
• Bankwest Breeze Platinum Credit Card for lowest interest rate
• ING One Low Rate Credit Card with no annual fee

Wise Multi Currency Prepaid Card - Best Exchange Rates

Best features.

• 40+ currencies available
• Best exchange rates globally
• One of the lowest conversion fee on the market
• No international transaction fees
• No annual or monthly fees
• Extremely low costs to send money overseas

Read our Wise Travel Card Review

Wise Travel Card

• Cross currency conversion fees are between 0.24–3.69%. AUD to USD, EUR or GBP was 0.42%, which is one of the lowest on the market
• Free cash withdrawals up to $350 every 30 days. However after that, Wise charge a fixed fee of $1.50 per transaction + 1.75%
• Daily ATM withdrawal is $2,700
• Issue up to 3 virtual cards for temporary usage
• It takes between 7 to 14 business days to receive your card
• Can be used wherever MasterCard is accepted

The Wise Travel Card is an excellent option for those eager to experience India. It offers over 40 currencies at the intermarket exchange rate, which is the cheapest rate globally. In addition you can buy goods online from overseas with no transaction fee plus get the best exchange rate. However if you use ATMs frequently this is not the card to use due to the fees. Finally Wise Travel Card lets you transfer money to an overseas bank account with extremely low fees and the best exchange rate.

Revolut - Low Fees

• 30+ currencies available
• One of the best exchange rates globally
• No annual or monthly fees for standard membership
• No initial card fee
• Instant access to a range of cryptocurrencies

Read our Revolut Card Review

Revolut Travel Card

• No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
• Exchanging currency on the weekend can incur a 1% mark-up fee
• Fees on international money transfers were introduced in April 2021.
• Can be used wherever Visa is accepted

The Revolut Travel Card is a decent option for those who travel a lot as it offers over 30 currencies at a great exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a one-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.

HSBC Everyday Global Travel Card - Best Travel Card by Bank

• Great exchange rate offered for Indian rupee (INR)
• No fees at HSBC ATMs in India to withdraw rupee
• No initial card, closure, account keeping or monthly fees
• No cross currency conversion fees

HSBC Everyday Global Travel Card

• 10 Currencies can be loaded are USD, AUD, EUR, GBP, CAD, JPY, NZD, SGD, INR and CNY (currency restrictions on CNY)
• No maximum balance for any currency
• Very competitive exchange rates on all currencies when you have currencies already loaded on your card
• ATMs within Australia need to be HSBC and overseas they need to display a VISA or VISA Plus logo, not be be charged fees
• Earn 2% cash back when you tap and pay with payWave, Apple Pay or Google Pay for purchases under $100.
• Daily maximum ATM withdrawal is $2,000
• Fraud protection covered by Visa Zero Liability

The HSBC Everyday Global Debit Card is an excellent option to take travelling to India and to spend money in Australia with no international transaction fees, international ATM fees and monthly fees.

HSBC has branches and ATMS is India so you can avoid the nasty numerous ATM fees. In addition there is no maximum balance on currencies held and a 2% cash back incentive when you tap and pay under $100.

Bankwest Breeze Platinum Credit Card - Lowest Interest Rate

• Lowest interest rate at 9.90%
• No international transaction fees on purchases
• Up to 55 days interest free on purchases
• Low annual fee
• Complimentary international travel insurance

Bankwest Breeze Platinum Credit Card

• Free annual fee first year, then $69 annual fee
• Free international travel insurance that includes the basics but does not cover cancellation costs, pre existing conditions and travellers over 80
• $6,000 minimum credit card
• 0% p.a. on purchases and balance transfers for the first 15 months, then reverts to 9.90%
• 21.99% interest rate on purchases and cash advances
• Cash advance fee of the higher of $4 or 2% of cash advance
• Can be used wherever Mastercard is accepted

The Bankwest Breeze Platinum is a great no frills credit card that offers ‘no foreign transaction fees’ and the lowest interest rate on the market, at 9.90%. These two factors alone will save you hundreds of dollars when travelling throughout India.

In addition it has a low annual fee and complimentary international travel insurance. Finally for its price point it is a great value credit card that will be accepted most places in India.

ING One Low Rate Credit Card - No Annual Fee

• No annual fee
• Up to 45 days interest free on purchases
• Lowest cash advance interest rate of 11.99%
• Use instalment plans to pay off your purchases over time at a lower interest rate

ING One Low Rate Credit Card

• 11.99% interest rate on purchases
• Make payments from your mobile with pay with Apple Pay and Google Pay
• International ATM fee and Foreign currency conversion fee are waived when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled. Otherwise they are the higher of 3% or at least $3
• Put repayments on auto payment each month to pay the minimum balance or full amount

The ING One Low Rate credit card is a great option to take to India as it charges no annual fee and offers a low interest rate for purchases and cash advances of 11.99%. The cash advance interest rate is very low and about 50% less than most of its competitors who charge around 22% on cash advances.

Furthermore the ING One Low Rate credit card has no international transaction fees, so you can save money on your travels and when you buy goods from overseas. It's a handy backup card to have in your wallet when travelling through India.

Learn more about the best credit, debit and prepaid cards for travel

Credit Card

Best Prepaid Travel Cards

The best way to take holiday money to India is through a Wise Multi Currency card, which offers the best exchange rate for Indian rupee, a Citibank Plus Everyday or HSBC Global card for ATM withdrawals and the BankWest Platinum Breeze or ING One Low Rate cards for credit purchases.

No you shouldn't get Indian rupee before travelling to India, as non-residents are not allowed to bring or take Indian rupee in or out of India. It is considered a ‘closed currency’. Indian residents are allowed to bring in 25,000 Indian rupee into India, which is approximately $450.

Yes, the Wise Multi Currency card can be used in India and it offers the best exchange rate on the market and no international transaction fees. All other prepaid currency cards in Australia do not offer Indian rupee including Australia Post, Travelex, Travel Money Oz, Commonwealth bank, Westpac and Qantas.

You can use your Australian debit card in India and to avoid large fees we advise you to use the Citibank Plus Everyday or HSBC Global debit cards. You can use both debit cards in Australia and India at ATMs without paying 3 types of different ATM fees.

ATMs from Citibank , HSBC , SBI, Axis, HDFC, IDBI, ICICI, Kotak Mahindra and Yes Bank are all banks in India that accept international credit cards. Not all banks accept international cards so you need to look for the Mastercard or Visa logo at the ATM.

The maximum amount per withdrawal is 10,000 Indian rupee or roughly $180. The maximum daily withdrawal amount is 40,000 Indian rupee or roughly $720. It's important to withdraw as much as possible per ATM withdrawal in India to reduce the fees.

Yes you can use a Visa debit card in India wherever the Visa logo is shown. Be aware not all ATMs accept international cards, so you need to look for the Visa logo. In tourist areas Visa is readily accepted however in rural areas, Visa is less accepted and you are advised to take Indian rupee with you.

No you can not use Australian dollars or US dollars in India. The currency of India is Indian rupee. It is recognised in shops with the letters ₹ before the numerals, for example ₹50.  There are 6 banknotes each with a different colour.

More Travel Card Guides

Learn more about the best travel money cards for your holiday destination.

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Like all reputable money exchanges, we are registered with AUSTRAC and regulated by the Australian Securities and Investment Commission (ASIC).

S Money complies with the relevant laws pertaining to privacy, anti-money laundering and counter-terrorism finance. This means you are required to provide I.D. when you place an order. It also means the order must be paid for by the same person ordering the currency and you must show your identification again when receiving your order.

Prepaid Cards for International Travel: Forex card in India List 2024

Having an international tour scheduled, looking for the Best Prepaid Travel Cards  or Top Forex Cards ? Let us take you on a joyful ride exploring some of the best prepaid cards for international travel. Your trip may be for business, academic or leisure purposes, you have a whole lot of choices.

One gets excited and thrilled when thinking of travelling abroad and visiting new places and people. But, you often find it difficult to manage cash or currency all the time. This is when good travel credit cards come to your rescue. Different banks have introduced a wide range of Prepaid travel cards to support you in your foreign travel. Coupled with a number of benefits and offers, these are an easy and convenient way to handle your payments abroad.

Prepaid travel cards are an easy to use, cost-effective and secure option than carrying hard cash/currency or travellers cheque while travelling in a foreign country. These travel cards are accepted world-wide at retail outlets or e-commerce transactions. You just have to buy one and get it loaded with your chosen foreign currency like USD,GBP,CAD,AUD etc.

Prepaid travel cards or forex cards are available as: Single currency Card (that come with single currency) or Multiple currencies cards  ( loaded with multiple currencies) to ease out your journey at various destinations around the world.

Prepaid Travel Cards or Forex cards India: Overall Benefits

• Prepaid travel cards are available as Visa or MasterCards.
• Travel Cards are accepted worldwide at different places.
• Enjoy locked-in exchange rate on the day of loading your card.
• A cheaper and an affordable way to save yourself from high exchange rate fluctuations.
• You can get better rates than traveller cheques, international debit cards and currency exchange.

Now, if you are planning for a holiday or a foreign trip, you surely need to gather some deeper insights on the Prepaid travel cards and their benefits. Prepaid travel cards: Your perfect travel companion that let you enjoy your holiday or business tour or international trip as a student.

5 Best Prepaid Travel Cards or Forex Cards in India

We have researched and are discussing 5 of the popular prepaid travel cards offered by the leading banks in India.

1. ICICI Bank Travel card:

If you are going overseas, this ICICI prepaid foreign currency travel card shall help you manage your expenses in a comfortable way. The salient features of this card are as follows:

ICICI Bank Travel Card: Features

• You can purchase or reload this card online.
• Instant loading and activation after purchase.
• Free replacement card facility in case of loss/theft or damage.
• You can avail great discounts/offers at merchant outlets, shopping and travel around the world.
• Manage your dining, shopping and other expenses in a hassle free manner.
• Enjoy Duty free shopping at Indian airports with ICICI Multi-currency card.
• Real time account management and useful online features are offered.
• Additional benefits like comprehensive travel insurance, emergency travel assistance etc.

You primarily get 3 variants of ICICI Travel Card :

• ICICI Multi-Currency Travel Card : This is ideal for frequent travellers to multiple destinations.A single card supporting upto 15 currencies including USD, GBP, EUR, CAD, AUD, SGD, CHF, JPY, SEK, ZAR, SAR, THBAED, NZD, HKD.
• Student Travel Card : A perfect fit for student travellers. It offers payment of student fees like GMAT, TOEFL and university and hostel fees. Book international flight tickets, shopping and other purchases can be done through this card. Presently available in 5 currencies: USD, GBP, EUR, CAD, AUD.
• Single Currency Travel Card : This is most suitable if you are going to a single destination especially for a holiday. This is available in 9 currencies : USD, AUD, CAD, GBP, SGD, AED, JPYCHF, EUR.

Not to miss out, How to trade in International Market from India?

2. IndusInd Bank Travel Cards

IndusInd prepaid travel card offers you an easy and fast way to purchase and load currency by following a simple online process. A perfect solution and convenient mode to carry currency in a card for all your forex needs while travelling overseas. Cashless and secure transactions to make your foreign trip a memorable one.

IndusInd Travel Card: Features

• You can simply buy your card online and load it with your desired currencies.
• IndusInd card comes with an embedded chip offering increased protection.
• In-built and enhanced security features to ensure the safety of your transactions.
• Make bookings, enjoy shopping, dine out and grab other exclusive benefits with the IndusInd travel cards.
• A widely accepted travel card at numerous merchant establishments around the globe.
• You also get insurance coverage, an added advantage of this travel card.
• Get protection against exchange rate fluctuation as well.
• You can withdraw at VISA ATMs to have that country’s currency.
• Easy access to your card details anywhere and anytime through the online portal.

IndusInd Travel Cards are of 2 types:

• Indus Forex Card : Indus Forex card comes with 16 currencies for remittance including USD, GBP,CAD, AUD, SGD, SAR, AED and few more.
• Indus Multi-currency Card :  This one is for frequent travellers who visit a number of destinations since managing multiple currencies becomes an easy affair with this card. Multi-currency card supports 8 currencies that include USD,  AUD, CAD, Euro, GBP, SAR, SGD and UAE Dirham.

You may also like: Best Travel Credit Cards in India

3. HDFC Bank Travel Cards

HDFC gives you a wide variety of travel cards to select from based on your preferences and usage. The HDFC travel card list comprises of :

• HDFC Forex Plus Card: This is a popular choice and a favourite of international travellers. Both Visa and Mastercard options available on this prepaid card.
• HDFC Forex Plus Chip Card
• HDFC Forex Plus Platinum Card
• Hajj Umrah ForexPlus Card: This card is specially designed for Hajj & Umrah pilgrims.
• HDFC Multi Currency Platinum Forex Plus Chip Card
• ISIC Student ID Forex Plus Chip Card: A perfect fit for students going abroad for study.

Here is a table showing the various useful details on different HDFC forex cards:

4. Axis Bank Travel Cards

Another leading bank that provides 2 kinds of travel cards to make your overseas trip a comfortable one. Axis Travel Cards also give you protection from exchange rate fluctuations. You can use this card at Visa merchant locations, make online purchases and make other payments using this travel card.

1. Multi-currency Forex Card :  You can load it with upto 16 currencies like USD, EUR, AUD, CAD, GBP, SGD, JPY, CHF, SAR, ZAR, NZD, THB, AED,  HKD etc.

This further comes in 3 different variations:

• Multi-Currency Forex Card
• Contactless Multi-Currency Forex Card
• Multi-Currency Image Card

2. Axis Travel Currency Card : A widely accepted card at VISA/MasterCard merchant outlets and online retailers. Enjoy duty free shopping at international airports in India with this card. This card is available in a variety of 11 popular currencies including USD, GBP,AUD, CAD, SGD, EUR,  CHF, SEK, JPY, AED & SAR and comes packed with few loaded features plus benefits to make your travel convenient.

The Priority banking customers of Axis Bank are charged a flat fee of Rs.50+GST for Initial sale fee of a prepaid travel card.

5. SBI Foreign Travel Card

SBI offers the SBI foreign Travel Card that has been specially designed to cater to your travelling needs abroad. Another worldwide accepted travel card that you can use to clear your shopping,dining and other purchases done abroad. This also comes with several benefits and help you in saving from the hassles of carrying cash. SBI Foreign Travel card is presently available in 8 foreign currencies including USD, CAD, AUD, SGD, SAR, YEN, EUR and GBP.

There are forex cards offered by Standard Chartered Bank, Yes Bank, Indian Overseas Bank and many others to add upon. We shall be enhancing our list with their features as well, as and when we compile the same.

Important :  *GST is applicable in addition to the basic fee and charges.

Please note that the above information has been given on “as is” basis. It may vary at a later date. Kindly check all the details including charges with the respective banks before applying for any of the prepaid travel cards.

So, this was our list of Best Prepaid Travel Cards that can be instrumental in giving you a stress free journey overseas. Did we miss out any important travel card name from the above list? or Do you wish to include any reliable prepaid card to our list? If yes, add it in the comments for us to have a look at its features.

Prepaid Travel Cards or Forex Cards: A Final Take

Prepaid travel cards or Forex cards are for the benefit of travellers in general. Easy loading and online management further eases out their usability features. Moreover, a multi-currency card allows you to load more than one currency into a single card. That’s really great !

As per our personal views and research ,  HDFC and ICICI travel cards have been a preferred choice for international travellers. However, IndusInd travel cards have gained a lot of popularity recently owing to the exclusive benefits and their customer-friendly services. This seems to be a great choice and a perfect answer to your money needs at a foreign destination.

Have you noticed one important thing? These travel cards have few features in common like Worldwide acceptance and easy online availability of the card. So, the one that provides  certain additional benefits is likely to outperform the other. Of course, in this digital world of increasing competition, the one with the best services emerges out as a winner.

The next time when you plan your international trip, may it be a business, leisure or study tour, just make sure to have at least one handy prepaid travel card with you throughout your journey. Prepaid travel cards are indeed a great way to save you from the hassles of carrying physical currency at different places. So, why not lighten your burden and make use of these wonderful alternatives and make your travel trip a memorable one.

Have you used any of the above or any other prepaid travel cards? Which is your favourite forex card? How was your experience using it at a variety of places? Any feedback you wish to share, feel free to discuss in the comment section.

3 thoughts on “Prepaid Cards for International Travel: Forex card in India List 2024”

Well written and informative post. Very well comparison between the AXIS, ICICI, HDFC, Indusland and SBI prepaid travel cards. I think we can get some great deals on these cards from online Foreign exchange vendors.

And this it, IndusInd bank works for me. I am their loyal customer too. I had called them and rechecked them. Very well written article. 10 points for the simple explanation.

I didn’t know there are so many forex cards. Nice explanation given for each of them.

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The Must-Have Travel Credit Cards In India For Avid Wanderers

Travel a lot these are some of the best credit cards for travel that offer superb rewards on lounges, hotel bookings and more..

By: Anushka Goel Published: Oct 10, 2023 01:00 PM IST

Do you have a penchant for travel? If so, you’re likely always in pursuit of the finest deals. What if we told you that your trusty credit card could help you get the most out of your bucks through travel rewards, not just within India but also abroad?

These credit cards offer the opportunity to earn additional miles and points, making you eligible for complimentary upgrades. With a variety of travel credit cards to choose from, you can utilise these points and miles to make your trips more cost-effective. What sets these cards apart is their widespread acceptance, ensuring seamless transactions without undue hassle.

Demystifying travel credit cards: What are they and how do they work?

Much like standard credit cards, travel credit cards reward you for everyday purchases. The distinguishing factor, however, lies in how you can employ these rewards for covering travel expenses. Depending on the specific card you have, the points can be redeemed for various travel-related expenditures, including airline miles/tickets, hotel bookings, upgrades for stays or flights, car rentals, and more.

The best travel credit cards, both in India and abroad, offer additional perks such as trip delay and cancellation insurance, baggage fee waivers, zero foreign transaction fees and access to airport lounges. These features ensure that your journey proceeds as seamlessly as possible. Moreover, many travel credit cards are co-branded, meaning they are created in partnership with specific airlines, hotel chains or travel booking platforms, allowing you to select the most suitable option for your needs.

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Essential factors to evaluate when selecting a travel credit card.

Different credit cards come with various benefits, so it’s important to find one that aligns with your specific needs. Here are some key features to look for:

• Generous welcome bonus: Travel credit cards often offer substantial sign-up bonuses when you join the programme. It’s wise to choose a card based on the initial benefits they offer, whether related to spending thresholds or immediate travel rewards. Keep these considerations in mind before booking the card.
• No foreign transaction fees: Many credit cards impose a foreign transaction fee of around three percent when making purchases in a foreign country. Opt for a card that doesn’t charge this fee, especially if you frequently travel abroad.
• Tailored travel rewards: While most cards offer lucrative rewards, it’s essential to select one that caters to your travel preferences. For example, if you frequently fly with Air India, a credit card that rewards you for flights on IndiGo or SpiceJet will not be the most beneficial option for you.
• Higher rewards for everyday spending: Travel credit cards in India typically offer travel benefits in exchange for your regular expenditures. Look for a card that provides maximum points or rewards for your everyday purchases, allowing you to accumulate travel rewards more quickly.
• Low annual fee: Most credit cards have some form of an annual renewal fee, even if it is a nominal charge. Choose a card with the lowest possible renewal fee while still fulfilling your other requirements.

Top travel credit cards for Indian jetsetters

Hdfc regalia credit card.

  View this post on Instagram   A post shared by HDFC Bank (@hdfcbank)

Among one of the most popular credit cards in India, the HDFC Regalia card offers great travel benefits, despite not being primarily designed for travel. Some of its key advantages include six visits to international lounges through the Priority Pass membership and 12 visits to domestic lounges through the Visa/Mastercard Lounge programme. This is particularly beneficial for international travel enthusiasts. 

Joining Fee: INR 2,500 plus taxes Renewal Fee: INR 2,500 plus taxes Travel Insurance: Emergency overseas hospitalisation cover International Transactions: 2 percent charge on international transactions Reward type: Reward Points Welcome Benefits: 2500 Reward Points, renewal benefit of 2500 Reward Points

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Air India SBI Platinum Credit Card

  View this post on Instagram   A post shared by SBI Card (@sbicard_connect)

One of the best credit cards for travel, especially for booking flights, is the Air India SBI Platinum Credit Card. With an annual fee of INR 1,499, this card provides the advantage of eight visits to domestic VISA lounges in India (with a maximum of two visits per quarter). Additionally, it offers added ease for online railway bookings and easy access to cash on-the-go facilities. 

Joining Fee: INR 1,499 Renewal Fee: INR 1,499 Reward Type: Reward Points Welcome Benefits: 5000 points; 2000 points as anniversary gift

American Express Platinum Travel Credit Card

  View this post on Instagram   A post shared by American Express (@americanexpress)

When it comes to the best credit cards for travel available in India, the American Express Platinum Travel Credit Card is an excellent choice for those who love being on-the-go. This card offers access to attractive travel vouchers based on your spending levels, providing amazing benefits. These benefits include eight complimentary lounge visits every year (with a maximum of two per quarter), special rewards for reaching various milestones and access to premium benefits such as 24×7 Platinum Assist and Emergency Card Replacement anywhere across the globe.

Joining Fee: INR 3,500 plus taxes Renewal Fee: INR 5,000 plus taxes Reward Type: Points Welcome Benefits: 10,000 Membership Rewards Point

Axis Bank Vistara Signature Credit Card

If you frequently book flights, this credit card can be an excellent option for you, especially because it is in collaboration with Vistara. The card comes with many benefits, including a complimentary premium economy Vistara ticket, lounge access at select airports in India, eligibility for silver membership of Club Vistara, rewards at milestones that can be redeemed for premium economy tickets, EMI payment options, insurance coverage and various other perks. 

Joining Fee: INR 3,000 Renewal Fee: INR 3,000 Travel Insurance : Purchase Protection Cover worth INR 1 lakh or cover of up to USD 300 (INR 24,976) on loss of travel documents or delay/loss of check-in baggage International Transactions: 3.5 percent Reward Type: Points Welcome Benefits: Complimentary Premium Economy ticket

Kotak Royale Signature Credit Card

  View this post on Instagram   A post shared by Kotak Mahindra Bank Ltd (@kotakbankltd)

A great choice for those who frequently spend on travel agencies and tour operators, the Royal signature credit card offers four times the bonus points for every INR 150 spent on air tickets, hotels, restaurants, travel agencies, and other similar payments. Along with complimentary lounge visits in India and various other benefits , this credit card is ideal for those who travel extensively. Users can also earn bonus points for annual expenditures of INR 4,00,000 and INR 8,00,000. 

Joining Fee: Nil Renewal Fee: INR 999 International Transactions: 3.5 percent plus GST Reward Type: Points

Yes Preferred Credit card

  View this post on Instagram   A post shared by YES BANK (@yes_bank)

This card grants you access to airport lounges abroad four times a year and twice per quarter in India. Additionally, points can be converted into Air Miles for booking tickets. Travellers also enjoy a much lower foreign currency markup compared to other cards and extensive insurance coverage to address any mishaps that may occur during their travels.

Joining Fee: INR 999 plus taxes Renewal Fee: INR 999 plus taxes Travel Insurance: Air accident cover, medical emergency cover International Transactions: 1.5 percent markup Reward Type: Points that can be converted to Air Miles

SBI IRCTC Credit Card

If you love travelling by trains, this credit card is definitely among the best options in India for you. It offers four complimentary visits to the railway lounges, attractive reward benefits, and additional benefits that can earn you up to 10 percent of your spending value back as reward points.

Joining Fee: INR 500 plus taxes Renewal Fee: INR 300 plus taxes Reward Type: Points Welcome Benefits: 350 activation bonus reward points

Club Vistara IDFC FIRST Credit Card

  View this post on Instagram   A post shared by Club Vistara (@club.vistara)

Here’s another option for Vistara flyers, and it comes with attractive benefits such as bonus points when you reach spending milestones, 12 complimentary golf lessons, four complimentary rounds of golf each year, eight complimentary visits to domestic airport lounges and spas, and four complimentary lounge visits at international airports every year. 

Joining Fee: INR 4,999 + GST Renewal Fee: INR 4,999 + GST Travel Insurance: Trip cancellation cover International Transactions: 2.99 percent Reward type: Reward Points Welcome Benefits: 1 Complimentary Premium Economy ticket voucher, Complimentary Club Vistara Silver Membership and 1 One-Class Upgrade e-Voucher

Shop the best travel experiences here

Hero and Featured Image credit: kitzcorner/Shutterstock

All currency conversions were done at the time of writing

Related:  Here’s How Much It Costs To Charter A Jet In India – And How To Do It

Frequently Asked Questions (FAQs)

– How do I apply for a credit card? To apply for a credit card, check your credit score, see if you’re pre-approved for the card, and ensure you have all the necessary documents in place. 

– Are there any redemption charges for reward points? Yes, some banks levy a charge or fee when you redeem reward points.

– How do we use a credit card for lounge access? Simply present your credit card at the respective lounge and show it at the entry to gain admission. 

– How do travel rewards points or miles work? Reward points and miles are earned for purchases made using a credit card. These can be earned through various transactions, such as hotel bookings, flight tickets, shopping, dining out and even fuel payment. You can then use these points to avail offers or upgrades when making bookings or purchases. 

– What are the key features to look for in the best travel credit cards? Look for attractive welcome benefits, low renewal charge/fees, and ensure that the card’s benefits align with your specific travel needs. 

– What is a sign-up bonus, and why is it important for travel credit cards? A sign-up bonus is a welcome gift offered by credit card companies when you sign up for their card. For travel cards, these benefits may include bonus air miles, points, complimentary hotel stays, free upgrades, airport lounge access or other perks.

– What is the difference between airline-specific and general travel credit cards? Generic travel credit cards typically offer a range of benefits that cater to various travel needs. Airline-specific cards, on the other hand, focus on benefits pertaining to a particular airline, such as club memberships, lounge access, upgrades, priority boarding, and may offer fewer benefits unrelated to that airline. 

– How can I maximise the benefits of my travel credit card? Maximise your benefits by making significant purchases after obtaining the card to earn extra points. Opt for co-branded travel credit cards in India to maximise benefits for both brands. Collect enough points and use them to book your tickets, which can provide better services or better tickets at a more affordable price.

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Anushka Goel

Anushka has previously worked with publications such as the Times of India and Being Indian. A graduate from Xavier Institute of Communications, she specialises in entertainment, food and travel. She also likes to write about sustainability and beauty. When not working, you can catch her reading a book, tending to her plants, cooking or playing an instrument. Read Less

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PRESSR: NBK mobile banking App.. your mobile branch during travel

First published: 04-Apr-2024 07:41:56

AL Dakheel: We strive to deliver a top-notch banking experience to our customers wherever they are

The App allows managing accounts and cards, making local and international transfers, and quick payments

National Bank of Kuwait (NBK) continues to provide a rich digital experience to its customers through the NBK Mobile Banking App, enabling them to manage their accounts and make their banking transactions easily and securely 24/7, anytime, anywhere, without the hassle of visiting branches.

With the wide range of services, useful features, and regular enhancements, NBK Mobile Banking App is considered the ideal companion for customers during the travel and holiday seasons.

Managing accounts and cards

The NBK Mobile Banking App allows customers to view their accounts and manage their debit, credit, and prepaid cards while traveling. They can also inform the bank by selecting the cards they would like to use while being abroad.

Users can report/lost stolen cards with a click of a button via the App. Once the card has been reported, a replacement card will be issued automatically. In addition, they can easily block or unblock their credit cards using the App with just a few simple steps.

Local and international transfers

Transfers, whether local or international, are made easier with the NBK Mobile Banking App, as customers do not need an OTP. Instead, they can authenticate with their password or biometrics (Face ID). Once the transfer is done, users will get a transfer receipt, and can also refer to account statement and go to the transfer transaction.

Customers can also use the App to increase their monthly transfer limit up to KD 30,000 without the hassle of calling the call center or going to the branch.

Quick and easy payments

The NBK Mobile Banking App enables users to make easy payments to credit cards, Ministry of Communications, and e-Payments that includes local and international telecoms, TV channels, in addition to buying online shopping cards, digital games, and much more. FlexiPay is also available on the App providing eligible NBK Credit Cardholders with the flexibility to make payments for their in-store or online purchases, whether made locally or internationally.

The App also offers customers the enhanced service of Quick Pay to send links and receive money, anytime, even during the weekends and official holidays, and choose the preferred method of sharing the link. Additionally, they can view exchange rates and use the currency calculator for currency conversion.

Push Notifications

The NBK Mobile Banking App allows customers to use the Push Notifications instead of SMS to receive the alerts in the app conveniently instead of changing the SIM Card to receive the SMS on the Kuwait line. This gives you faster updates on your account activities.

Commenting on this, Mohammed AL Dakheel, Head of Mobile Banking, Consumer Banking Group at National Bank of Kuwait said: “NBK provides regular updates and enhancements to its Mobile Banking App to provide customers with new and innovative banking methods, as part of its endeavors to deliver a top-notch banking experience by enabling them to make their different banking transactions anytime, anywhere.”

“During the official holidays and travel seasons, we seek to facilitate our customers’ transactions while being abroad so that they can conduct them digitally in a very easy and secure way. NBK is committed to introduce more innovative digital services tailored to customers’ needs via the NBK Mobile Banking App, which helps enhance their banking experience and give them more luxury,” he added.

Through the NBK Mobile Banking App, NBK aims to offer customers a secure platform to conveniently manage their finances at any given moment. This service facilitates a wide range of banking activities, including opening new accounts, monitoring transactions on accounts and credit cards, accessing accumulated NBK Miles and NBK Rewards Program points, settling credit card dues, making payments for electronic bills, , updating personal information, and much more services.

Customers can easily download the NBK Mobile Banking App, which is currently available on various platforms including the App Store, Google Play, and Huawei AppGallery.

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