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Forex & prepaid travel card comparison

SBI State Bank Foreign Travel Card vs Bank of Baroda TravelEasy Multi-Currency Forex Card

Compare SBI State Bank Foreign Travel Card and Bank of Baroda TravelEasy Multi-Currency Forex Card using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

Forex & prepaid travel card comparison

SBI State Bank Foreign Travel Card vs Bank of Baroda TravelEasy Multi-Currency Forex Card

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
State Bank of IndiaSBI State Bank Foreign Travel Card

Travellers who want an SBI prepaid travel balance with up to nine Visa currency wallets, branch/Internet-banking issuance support and YONO/OneView card controls rather than spending directly from a domestic bank account.

Cost / pricing
Current SBI page lists ₹100 + GST issuance, ₹50 + GST per reload, ₹100 + GST refund/cash-out and 3% + GST cross-currency usage. ATM withdrawal is USD 1.75 or equivalent per transaction; foreign ATM-owner charges can still apply.
Reviewed
September 10, 2026
Evidence
2 bank sources
Open product research
Bank of BarodaBank of Baroda TravelEasy Multi-Currency Forex Card

Travellers who primarily need USD, GBP and EUR and want a simple Bank of Baroda prepaid travel card with mobile wallet visibility, cross-wallet conversion and transparent published issuance/reload/ATM charges.

Cost / pricing
₹150 issuance, ₹55 reload and ₹150 standby card before applicable tax. ATM withdrawal is 0.9% of transaction value; cross-currency usage is 3%. Current service-charge page also lists ₹250 plus applicable foreign-currency conversion tax when cancelling/refunding the balance.
Reviewed
September 10, 2026
Evidence
3 bank sources
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
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littleden.blog · Comparison research sheet

SBI State Bank Foreign Travel Card vs Bank of Baroda TravelEasy Multi-Currency Forex Card

Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/sbi-state-bank-foreign-travel-card-vs-bob-traveleasy-multicurrency-forex-card/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Do the currency wallets and loading route fit your trip?Check wallet coverage and load/reload conditions for the named prepaid card.

SBI State Bank Foreign Travel Card

Currencies / wallet format
Current SBI page lists Visa Multicurrency SBFTC with 9 wallets: USD, GBP, EUR, JPY, CAD, AUD, SAR, SGD and AED; Visa single-currency is listed in 8 currencies and Mastercard multicurrency in 7. Exact issued variant controls.
Load / reload
Loaded/reloaded in INR and converted to selected foreign-currency wallet(s). SBI publishes branch plus YONO/YONO Lite/Internet Banking reload/management routes. Current reload fee: ₹50 + GST.

Bank of Baroda TravelEasy Multi-Currency Forex Card

Currencies / wallet format
Current TravelEasy product page supports three wallets: USD, GBP and EUR on a Visa Platinum EMV chip/NFC prepaid card.
Load / reload
Immediate activation after load; card is reloadable any number of times within the customer's FEMA ceiling. Current reload fee: ₹55 before applicable tax.
02Which conversion rules apply to the payment currency?Distinguish the loaded rate, cross-currency use and wallet conversion without deriving a combined cost.

SBI State Bank Foreign Travel Card

Exchange rate
The load/reload conversion uses SBI's applicable forex/card rate at the time of conversion. Preloading fixes the acquired wallet balance; a later cross-currency transaction can invoke network conversion plus the published cross-currency fee.
Cross-currency
SBI currently publishes a 3% of transaction amount + GST cross-currency charge when the transaction cannot be settled directly from the matching currency wallet.
Wallet conversion
Multicurrency cards can hold several separate currency balances. When a matching wallet is unavailable/insufficient, applicable card/network conversion rules and cross-currency charges govern; wallet priority depends on the issued variant.

Bank of Baroda TravelEasy Multi-Currency Forex Card

Exchange rate
Foreign currency is loaded/refunded at Bank of Baroda's applicable card/forex conversion rate and tax treatment. Mobile app provides wallet visibility and cross-currency conversion capability.
Cross-currency
Current charge schedule lists 3.00% cross-currency fee. Use of a non-matching wallet/currency can therefore add conversion cost beyond the load-time rate.
Wallet conversion
Current mobile app supports cross-currency conversion among available wallets. The fee/rate applicable to that conversion remains governed by the current card schedule and bank rate.
03What fees and closure conditions remain?Check service fees and unused-balance refund or closure treatment.

SBI State Bank Foreign Travel Card

Fees
₹100 + GST issuance; ₹50 + GST reload; ₹100 + GST refund/cash-out; ₹100 + GST add-on card (up to 2 where allowed). Transaction-specific ATM/cross-currency charges remain separate.
Refund / closure
Current SBI page lists ₹100 + GST refund/cash-out per request. Refund remains subject to applicable conversion, documentation and card terms.

Bank of Baroda TravelEasy Multi-Currency Forex Card

Fees
₹150 issuance; ₹150 standby card; ₹55 reload; USD/EUR/GBP 3 replacement; 0.9% ATM withdrawal; 3% cross-currency. Taxes/foreign-currency conversion tax apply as published.
Refund / closure
Current schedule states remaining balance refund after deducting ₹250 plus tax on foreign-currency conversion when cancelling/refunding to customer account.
Other maintained comparisons for SBI State Bank Foreign Travel CardOther maintained comparisons for Bank of Baroda TravelEasy Multi-Currency Forex Card
Exact terms

Put the controlling banking fields side by side.

The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.

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Banking product terms side by side for SBI State Bank Foreign Travel Card and Bank of Baroda TravelEasy Multi-Currency Forex Card
Decision factorSBI State Bank Foreign Travel CardBank of Baroda TravelEasy Multi-Currency Forex Card
Issuance / reload / travel-card costsCurrent SBI page lists ₹100 + GST issuance, ₹50 + GST per reload, ₹100 + GST refund/cash-out and 3% + GST cross-currency usage. ATM withdrawal is USD 1.75 or equivalent per transaction; foreign ATM-owner charges can still apply.₹150 issuance, ₹55 reload and ₹150 standby card before applicable tax. ATM withdrawal is 0.9% of transaction value; cross-currency usage is 3%. Current service-charge page also lists ₹250 plus applicable foreign-currency conversion tax when cancelling/refunding the balance.
Loaded currency walletsPrepaid foreign-currency balance loaded in INR and converted into the selected card wallet(s). Current Visa multicurrency structure supports up to nine currencies; the card is separate from the customer's ordinary deposit-account balance.Three prepaid currency wallets—USD, GBP and EUR—loaded under the customer's travel/FEMA limit. Bank of Baroda states both account holders and non-account holders can purchase.
Forex-card capabilitiesVisa multicurrency and single-currency variants, international ATM/POS/e-commerce use, SMS/e-mail alerts, YONO/YONO Lite/Internet Banking/OneView management, PIN/limit controls, blocking and reload capability.Immediate activation after load, Visa Platinum EMV/NFC, repeated reloads, ATM/POS/e-commerce acceptance, mobile balance display, cross-currency conversion, live ATM locator, SMS alerts and self-service channel enable/disable.
ATM / load / usage limitsCurrent SBI page lists daily card limits of 3 ATM withdrawals / USD 3,000 equivalent, 20 POS transactions / USD 10,000 equivalent and 20 e-commerce transactions / USD 10,000 equivalent, subject to card settings and regulatory/acquirer restrictions.Minimum initial load currently published as USD 200 / EUR 150 / GBP 150; minimum reload USD 100 / EUR 100 / GBP 100. Maximum load remains the applicable RBI/FEMA amount for the travel purpose.
Traveller / KYC eligibilityIndian residents travelling abroad other than Nepal/Bhutan, qualifying corporate employees and students, plus other eligible customers subject to KYC, passport/travel documentation and FEMA purpose rules.Eligible account holders and non-account holders subject to KYC/travel/FEMA documentation. Retail users are limited to one active card per passport/ID; corporate customers can obtain multiple cards after each cardholder's full KYC.
Prepaid card / funding / regulatory relationshipCan be obtained through SBI under the prepaid/forex-card relationship; it is not an SBI debit card and does not draw directly from the linked savings/current-account balance at purchase time.Standalone Bank of Baroda prepaid forex product; no deposit-account relationship is required for purchase. It remains separate from bob World/debit-card international usage.
Forex-card detail

Compare wallets, loading and overseas-use economics.

These fields come from each product's type-specific structured research, so service comparisons are not reduced to the same six generic rows.

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Type-specific banking comparison terms for SBI State Bank Foreign Travel Card and Bank of Baroda TravelEasy Multi-Currency Forex Card
Decision factorSBI State Bank Foreign Travel CardBank of Baroda TravelEasy Multi-Currency Forex Card
Currencies / wallet formatCurrent SBI page lists Visa Multicurrency SBFTC with 9 wallets: USD, GBP, EUR, JPY, CAD, AUD, SAR, SGD and AED; Visa single-currency is listed in 8 currencies and Mastercard multicurrency in 7. Exact issued variant controls.Current TravelEasy product page supports three wallets: USD, GBP and EUR on a Visa Platinum EMV chip/NFC prepaid card.
Purchase eligibilityIndian residents travelling abroad (excluding Nepal/Bhutan), eligible corporate travellers and students, subject to passport/PAN/travel proof, KYC and FEMA purpose documentation. Internet-banking application still requires branch processing/issuance.Available to account holders and non-account holders through authorized forex branches, subject to KYC/passport/travel and FEMA documentation. One active retail card per ID/passport is the current product rule.
Load / reloadLoaded/reloaded in INR and converted to selected foreign-currency wallet(s). SBI publishes branch plus YONO/YONO Lite/Internet Banking reload/management routes. Current reload fee: ₹50 + GST.Immediate activation after load; card is reloadable any number of times within the customer's FEMA ceiling. Current reload fee: ₹55 before applicable tax.
Exchange rateThe load/reload conversion uses SBI's applicable forex/card rate at the time of conversion. Preloading fixes the acquired wallet balance; a later cross-currency transaction can invoke network conversion plus the published cross-currency fee.Foreign currency is loaded/refunded at Bank of Baroda's applicable card/forex conversion rate and tax treatment. Mobile app provides wallet visibility and cross-currency conversion capability.
ATM cashCurrent SBI page: USD 1.75 or equivalent per ATM withdrawal; daily ATM card limit USD 3,000 equivalent across up to 3 withdrawals. Overseas ATM owner fees/limits can be additional.ATM cash withdrawal fee is currently 0.9% of transaction value in the respective currency; balance enquiry fee is USD/EUR/GBP 0.50. Overseas ATM owner charges/limits can be additional.
POS / e-commerceCurrent page permits international POS and e-commerce. Daily reference limits are USD 10,000 equivalent for POS and USD 10,000 equivalent for e-commerce, each up to 20 transactions, subject to settings/regulatory updates.Usable at Visa-accepted e-commerce, POS and ATM locations. EMV/NFC/contactless is supported; current product page provides channel enable/disable through self-service.
Cross-currencySBI currently publishes a 3% of transaction amount + GST cross-currency charge when the transaction cannot be settled directly from the matching currency wallet.Current charge schedule lists 3.00% cross-currency fee. Use of a non-matching wallet/currency can therefore add conversion cost beyond the load-time rate.
Wallet conversionMulticurrency cards can hold several separate currency balances. When a matching wallet is unavailable/insufficient, applicable card/network conversion rules and cross-currency charges govern; wallet priority depends on the issued variant.Current mobile app supports cross-currency conversion among available wallets. The fee/rate applicable to that conversion remains governed by the current card schedule and bank rate.
Fees₹100 + GST issuance; ₹50 + GST reload; ₹100 + GST refund/cash-out; ₹100 + GST add-on card (up to 2 where allowed). Transaction-specific ATM/cross-currency charges remain separate.₹150 issuance; ₹150 standby card; ₹55 reload; USD/EUR/GBP 3 replacement; 0.9% ATM withdrawal; 3% cross-currency. Taxes/foreign-currency conversion tax apply as published.
Refund / closureCurrent SBI page lists ₹100 + GST refund/cash-out per request. Refund remains subject to applicable conversion, documentation and card terms.Current schedule states remaining balance refund after deducting ₹250 plus tax on foreign-currency conversion when cancelling/refunding to customer account.
Replacement / emergencyCard can be blocked through OneView/YONO-linked controls and SBI's prepaid support. Add-on/replacement treatment depends on exact variant; do not reuse legacy Mastercard replacement terms for Visa without confirmation.Replacement after loss/theft is currently USD/EUR/GBP 3 plus applicable postage; GCAS support for lost/stolen report and cash/card replacement is listed as free under the current charge page, subject to service terms.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

State Bank of India

SBI State Bank Foreign Travel Card

  • Use the loaded transaction currency where possible; SBI currently applies a 3% + GST cross-currency charge when another wallet/network conversion is required.
  • Current SBI material distinguishes Visa multicurrency/single-currency and Mastercard multicurrency variants; currency counts and availability should be matched to the exact card issued.
  • ATM operators can impose their own surcharge or withdrawal limit in addition to SBI's card fee/limit.
Bank of Baroda

Bank of Baroda TravelEasy Multi-Currency Forex Card

  • The card supports only USD, GBP and EUR on the current product page, so it is not interchangeable with 15–22-currency competitors.
  • ATM withdrawal is percentage-based at 0.9% of transaction value, and the foreign ATM owner can impose an additional surcharge.
  • Current Bank of Baroda terms include inactivity/expired-card deductions; residual-balance refund also carries a separate cancellation/conversion cost.
Research tools

Continue from the pair into exact product-level research.

These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.

Independent source state

Verify each product from its own bank evidence.

One side's source depth or freshness never fills a gap in the other record.

Bank of Baroda

Bank of Baroda TravelEasy Multi-Currency Forex Card

Reviewed
September 10, 2026
Attached first-party sources
3
Open primary bank source ↗
MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

SBI State Bank Foreign Travel Card

Reviewed September 10, 2026 · 2 attached first-party sources

  1. Issuer product pagehttps://sbi.bank.in/web/personal-banking/state-bank-foreign-travel-card
  2. Issuer product pagehttps://prepaid.sbi.bank.in/

Bank of Baroda TravelEasy Multi-Currency Forex Card

Reviewed September 10, 2026 · 3 attached first-party sources

  1. Issuer product pagehttps://bankofbaroda.bank.in/digital-products/cards/prepaid-cards/travel-card-multi-currency-forex-card
  2. Fee / charge schedulehttps://bankofbaroda.bank.in/terms-and-conditions/multi-currency-forex-card-charges
  3. Fee / charge schedulehttps://bankofbaroda.bank.in/interest-rate-and-service-charges/service-charges