AU Small Finance BankForex & prepaid travel card

AU Small Finance Bank Multi-Currency Forex Card

AU Small Finance Bank's Mastercard multi-currency forex card with six wallets, online/branch reload, selectable channel controls, clear current fees and emergency-cash assistance.

First-party evidencePublished researchReviewed September 10, 2026Active

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Issuance / reload / travel-card costsCurrent schedule lists ₹150 load/issuance fee, ₹100 reload, ₹100 refund, ₹100 replacement, 3.5% cross-currency markup and 2% wallet-to-wallet transfer, plus currency-specific ATM fees.

Loaded currency walletsUp to six wallets: CAD, EUR, GBP, AED, USD and JPY. Minimum initial load is USD 100 equivalent and aggregate load is subject to the USD 250,000-equivalent LRS ceiling.

ATM / load / usage limitsCurrent product page states USD 5,000 equivalent daily ATM and USD 10,000 equivalent daily POS/e-commerce limits across wallets, subject to local ATM/network limits.

Prepaid card / funding / regulatory relationshipStandalone AU prepaid forex card funded through an AU account. It is separate from AU debit/credit-card international usage.

Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

2 first-party sources

Last checkedSeptember 10, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: November 9, 2026.

How to verifyMethodology · Editorial policy

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Critical decision facts

Separate forex economics from overseas access and regulatory limits.

Markup, cross-currency conversion, ATM/POS usage, wallet funding and international controls can create very different travel costs.

01 · Issuance / reload / travel-card costsCurrent schedule lists ₹150 load/issuance fee, ₹100 reload, ₹100 refund, ₹100 replacement, 3.5% cross-currency markup and 2% wallet-to-wallet transfer, plus currency-specific ATM fees.

02 · Loaded currency walletsUp to six wallets: CAD, EUR, GBP, AED, USD and JPY. Minimum initial load is USD 100 equivalent and aggregate load is subject to the USD 250,000-equivalent LRS ceiling.

03 · ATM / load / usage limitsCurrent product page states USD 5,000 equivalent daily ATM and USD 10,000 equivalent daily POS/e-commerce limits across wallets, subject to local ATM/network limits.

04 · Prepaid card / funding / regulatory relationshipStandalone AU prepaid forex card funded through an AU account. It is separate from AU debit/credit-card international usage.

Exact product-type evidence

Forex & prepaid travel card evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Forex prepaid-card operating map

Loaded wallet, transaction currency and refund state are different economics.

A prepaid forex card locks the currency purchased at load time, but ATM fees, cross-currency use, wallet conversion, inactivity and cash-out can still add cost. Ordinary debit-card forex pricing never fills a prepaid-card evidence gap. Reviewed September 10, 2026.

Card format / currenciesMastercard prepaid card supporting six wallets: CAD, EUR, GBP, AED, USD and JPY.

Purchase / KYC eligibilityAvailable to Indian nationals travelling abroad and foreign nationals residing in India who hold an AU account; not issued to NRI/NRE/NRO or non-KYC-compliant customers.

Load / reloadMinimum load USD 100 equivalent. Reload online through the customer portal or at servicing branches; current reload fee ₹100 plus taxes.

Load / exchange-rate mechanicsCurrency is loaded at AU's offered exchange rate on the day of transaction, locking that INR-to-wallet conversion for the prepaid amount. Published rates are indicative until actual debit/credit.

Overseas ATM / cashCurrency-specific ATM fees apply; current overall daily ATM ceiling is USD 5,000 equivalent, with local ATM-owner surcharges/limits potentially additional.

POS / e-commerceMastercard merchant and online use is supported; current daily POS/e-commerce ceiling is USD 10,000 equivalent. E-commerce/contactless start disabled and must be enabled through AU controls.

Cross-currency usage3.5% markup when transaction currency differs from the funded wallet/cross-currency conversion is required.

Wallet conversion2% of transfer amount for wallet-to-wallet transfer under the current schedule.

Issuance / reload / service fees₹150 load/issuance, ₹100 reload, ₹100 refund, ₹100 card replacement, 3.5% cross-currency and 2% wallet-to-wallet, plus currency-specific ATM fees; taxes extra.

Inactivity / expiryCard can be reloaded multiple times before expiry. The reviewed live page does not publish a separate universal inactivity fee, so none is invented.

Refund / closureRemaining balance can be refunded to the customer's AU account; current refund fee is ₹100 plus taxes. RBI post-travel retention rules still apply.

Replacement / emergency supportReplacement fee ₹100 plus taxes. AU provides Emergency Cash Assistance and lost-card support; expired cards with balance can be replaced or refunded through branch support.

FEMA / RBI controlsAggregate loading is subject to RBI/FEMA/LRS limits, currently up to USD 250,000 equivalent per financial year for eligible purposes. Card use is prohibited in India/Nepal/Bhutan and sanctioned/high-risk jurisdictions under current AU rules.

Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Loaded currency walletsUp to six wallets: CAD, EUR, GBP, AED, USD and JPY. Minimum initial load is USD 100 equivalent and aggregate load is subject to the USD 250,000-equivalent LRS ceiling.

Forex-card capabilitiesSix currency wallets, locked-in load-time exchange rate, Mastercard acceptance, online/branch reload, customer portal controls, emergency cash assistance and card insurance/support resources.

ATM / load / usage limitsCurrent product page states USD 5,000 equivalent daily ATM and USD 10,000 equivalent daily POS/e-commerce limits across wallets, subject to local ATM/network limits.

Traveller / KYC eligibilityIndian nationals travelling abroad and foreign nationals residing in India who maintain an AU Small Finance Bank account; NRI/NRE/NRO and non-KYC-compliant customers are excluded under the reviewed product rules.

Prepaid card / funding / regulatory relationshipStandalone AU prepaid forex card funded through an AU account. It is separate from AU debit/credit-card international usage.

Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

AU account holders who want a newer six-currency Mastercard travel card with transparent load/reload/refund fees and self-service e-commerce/contactless controls.

Verify before relying

An AU account is currently required to obtain the card.
Cross-currency usage costs 3.5% and wallet-to-wallet transfer costs 2%, so loading the correct destination wallet matters.
E-commerce and contactless are disabled by default and must be enabled before use through the customer portal or servicing branch.

Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

Kotak Mahindra BankKotak Mahindra Bank Multi-Currency Forex CardAU Small Finance BankAU Small Finance Bank Multi-Currency Forex CardOpen comparison

Latest recorded review September 10, 2026Maintained pair Source-backed

Decision checks