HDFC Forex Card

HDFC Forex Cards are a great option for international travellers who do not wish to carry cash or pay high forex mark-up on credit cards when visiting a foreign country. These are prepaid cards that can be loaded in 22 different currencies and used like any other card for payments at merchant POS or for cash withdrawal from ATMs. Read on to know about the top HDFC Forex Cards along with their benefits, eligibility and more.

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Top HDFC Forex Cards

HDFC Bank offers 3 different Forex Cards – Multicurrency Platinum ForexPlus Chip Card, Regalia ForexPlus Card and ISIC Student ForexPlus Card. Below are the details of these cards:

Forex Card	Best For	Best Features
HDFC Multicurrency Platinum ForexPlus Chip Card	International travellers visiting multiple countries	Supports 22 currencies, multiple currency wallets, online balance transfer between wallets
HDFC Regalia ForexPlus Card	Frequent international travellers	USD-based card with zero cross-currency markup charges, complimentary insurance and lounge access
HDFC ISIC Student ForexPlus Card	Students studying abroad	Student-focused benefits, available in USD, EUR and GBP, ISIC benefits

1. Multicurrency Platinum ForexPlus Chip Card

Issuance Fee: Rs. 500 + GST

Supports 22 different currencies including AED, Australian Dollar, Euro, Yen, Sterling Pound, Swiss Franc, Riyal, Dinar and more
Get forex rates locked in and secure yourself from rate volatility
Travellers can load up to $250,000 (or equivalent amounts) in a financial year
Use Prepaid Card Net Banking Portal load currency or transfer balance from currency to another
Reload your card online from anywhere
Zero cross currency mark-up charges if paid in pre-loaded currencies
Complimentary insurance cover of up to Rs. 5 Lakh against misuse of card
Air accident death cover of up to Rs. 25 Lakh, road/rail accident death cover of up to Rs. 5 Lakh, loss of personal documents cover of up to Rs. 50,000 and loss of cash in transit coverage of up to Rs. 60,000

2. Regalia ForexPlus Card

Issuance Fee: Rs. 1,000 + GST

Supports US dollars
Zero cross currency mark-up charges
Load funds conveniently using the Prepaid Card Net Banking Portal
Use card to pay for purchases at Visa/Mastercard affiliated merchant/establishments
Air accident death cover of up to Rs. 25 Lakh, road/rail accident death cover of up to Rs. 5 Lakh, loss of checked-in baggage coverage of up to Rs. 20,000, loss of personal documents coverage of up to Rs. 50,000 and loss of cash in transit coverage of up to Rs. 60,000

3. ISIC Student ForexPlus Card

Issuance Fee: Rs. 300 + GST

Worldwide recognition as a student identity card
Supports USD, EUR and GBP
Discount on education, transport, entertainment, dining, events, etc.
Complimentary insurance coverage for air accident death, loss of travel documents, card misuse, etc.

Benefits of HDFC Forex Card

Below are some of the common benefits that you can avail with HDFC Forex Cards:

Protection Against Exchange Rate Fluctuations

The foreign exchange rate gets locked when you load the card. So, even if the currency appreciates later, your loaded balance remains unaffected.

Global Acceptance

HDFC Forex Cards can be used at international ATMs, retail outlets and online merchants wherever the respective payment network is accepted.

Multiple Reload Options

Customers can reload the card online, through NetBanking or by visiting an HDFC Bank branch. In case of multi-currency cards, consumers can also transfer balances between currencies.

Easy Card Management

You can check your balance, transaction history, reload the card, transfer funds between wallets (where applicable), set ATM PIN and manage transaction limits online through HDFC Prepaid Card net banking facility.

Safer than Carrying Cash

If the card is lost or stolen, it can be blocked immediately, reducing the risk of financial loss.

Documents Required

Generally, applicants may need:

PAN Card
Passport
Valid Visa (where applicable)
Air ticket or travel proof
Address proof
Passport-size photograph
Additional documents depending on travel purpose

The bank may ask for additional KYC documents based on regulatory requirements.

HDFC Forex Card Fees and Charges

The table below shows some important fees and charges associated with HDFC Forex Cards, that consumers must keep in mind before applying:

Fee/Charge	Amount/Rate
Card Issuance Fee	Varies basis card type
Reload Fee	Rs. 75 + GST
Currency Conversion Tax	Up to Rs. 1 lakh : 0.18% of the gross value or Rs. 45 - whichever is higher Rs. 1 lakh – Rs. 10 lakh : Rs. 180 + 0.09% of the amount exceeding Rs. 1 lakh > Rs. 10 lakh: Rs. 990 + 0.018% of the amount exceeding Rs. 10 lakh

Note: Under the Liberalised Remittance Scheme (LRS), maximum USD $250,000 can be loaded on Forex Cards in a financial year.

Things to Keep in Mind

When you are travelling on a Forex Card, here are few things that you must keep in mind:

Ensure that you load sufficient foreign currency before travel
Keep emergency payment options available
Enable international usage on your card before departure
Keep monitoring card balance during travel
Understand ATM withdrawal charges before using overseas ATMs
Refund the remaining balance after your trip if required

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

FAQs

Is HDFC Forex Card better than carrying cash when travelling abroad?

Yes. A Forex Card is generally safer than carrying large amounts of foreign currency and offers better convenience for payments and ATM withdrawals.

How many currencies can I load on the HDFC Multicurrency Forex Card?

The HDFC Multicurrency Platinum ForexPlus Chip Card supports loading up to 22 foreign currencies – AED, US Dollar, Australian Dollar, Canadian Dollar, Euro, Hongkong Dollar, Singapore Dollar, New Zealand Dollar, Japanese Yen, Sterling Pound, Swiss Franc, Swedish Krona, Thailand Baht, South African Rand, Omani Rial, Danish Krone, Norwegian Krone, Saudi Riyal, Korean Won, Bahrain Dollar, Qatari Riyal and Kuwaiti Dinar.