| Currencies / wallet format | HDFC currently markets Multicurrency ForexPlus with up to 22 currency wallets, including USD, EUR, CHF, GBP, CAD, AUD, JPY, SGD, AED, SEK, HKD, THB, ZAR, NZD, OMR, DKK, NOK, SAR, KRW, BHD, QAR and KWD. | Current ICICI multi-currency proposition supports 15 wallets: USD, EUR, GBP, AUD, CAD, CHF, JPY, AED, HKD, SGD, THB, SAR, SEK, ZAR and NZD. |
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| Purchase eligibility | Issued under HDFC's ForexPlus/KYC/travel-purpose process. Exact documentation depends on traveller type/purpose. Existing HDFC customers have additional online reload routes; an HDFC deposit account is not required to define the prepaid wallet. | Available through Internet Banking/iMobile/branch routes subject to current KYC/travel-purpose requirements. ICICI also maintains a non-savings-account-holder forex-card onboarding route with PAN, Aadhaar and passport requirements. |
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| Load / reload | ₹75 + GST per branch reload transaction/currency on the current product page; HDFC states no reload fee when reload is done through the Prepaid/Forex online portal. NetBanking/Prepaid NetBanking/branch routes are supported subject to eligibility. | Account holders can buy/reload through Internet Banking or iMobile; non-account holders have dedicated digital/branch access. Current non-account-holder page states online reload up to ₹1.5 lakh/day including charges and processing within one working day. |
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| Exchange rate | Load/reload/refund use HDFC's applicable forex/card conversion rate and statutory taxes. Same-wallet spending uses the loaded currency; cross-currency transactions use Visa/Mastercard wholesale/network conversion as applicable plus HDFC's stated markup. | Foreign currency is purchased at ICICI's applicable forex/card rate at load/reload. Holding the matching wallet locks that purchased balance; a transaction in another billing currency invokes cross-currency conversion/fees. |
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| ATM cash | Currency-specific. Current schedule includes USD 2, EUR 1.50, GBP 1, JPY 250 and other wallet-specific withdrawal fees; daily ATM ceilings also vary by currency. | Currency-specific fees and daily limits. Current schedule includes USD 2 fee / USD 2,000 daily limit; GBP 1.50 / GBP 1,000; EUR 1.50 / EUR 1,500, with separate values for the other supported wallets. |
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| POS / e-commerce | International merchant/e-commerce use is supported, including contactless where accepted. Same-wallet transactions avoid the cross-currency conversion step; merchant/acquirer DCC should still be declined where inappropriate. | Current ICICI FAQ states POS and online transactions in the same currency as the loaded card wallet carry NIL transaction fee. Online usage must be enabled through the supported card-management channel. |
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| Cross-currency | Current Multicurrency ForexPlus markup is 2% when transaction currency differs from the available card currency. The current schedule also applies 2% to wallet-to-wallet transfers between card currencies. | 3.5% + GST for transaction types where billing currency differs from the card currency, per current schedule/FAQ. |
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| Wallet conversion | Wallet-to-wallet conversion is supported across eligible currencies, with the published 2% cross-currency charge and applicable mid/card rate. Wallet availability and order remain controlled by current card terms. | Current schedule publishes a wallet-to-wallet transfer fee of 2.5% of transfer amount, charged from the destination wallet. |
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| Fees | ₹500 + GST issuance; ₹75 + GST branch reload; ₹100 + GST back-up card on the current product page. ATM, balance enquiry and cross-currency charges are currency/transaction specific. | Issuance/joining fee depends on selected forex-card variant. POS/online same-wallet fee is NIL; cross-currency, ATM, wallet conversion, replacement and other service fees remain separately published. |
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| Refund / closure | Refund/cash-out converts the remaining foreign-currency balance under HDFC's applicable card/forex rate and tax treatment. Exact cancellation/encashment fee should be checked at request time. | Remaining forex balance can be refunded back to the eligible bank account/current settlement route. Refund/closure conversion and charges are governed by the current schedule and card terms. |
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| Replacement / emergency | HDFC advertises back-up-card capability and online block/PIN controls. Replacement/emergency support terms are variant- and location-specific rather than assumed from ordinary debit-card replacement. | Current schedule lists international lost-card replacement at USD 20. Digital card controls allow blocking/unblocking and PIN management; overseas support uses ICICI's card/customer-care channels. |
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