HDFC BankForex & prepaid travel card

HDFC Bank Multicurrency ForexPlus Card

HDFC Bank's Visa Multicurrency ForexPlus prepaid travel card supporting up to 22 currency wallets, branch/online reload routes, card-management controls and currency-specific ATM fees while keeping same-wallet spending separate from cross-currency conversion.

First-party evidencePublished researchReviewed September 10, 2026Active

Open primary bank source ↗Bank dossier Compare alternatives

Issuance / reload / travel-card costs₹500 + GST issuance. Branch reload is ₹75 + GST per reload transaction/currency; HDFC's current product page states no reload fee through its Prepaid/Forex online portal. ATM fees are currency-specific; USD wallet withdrawal is USD 2. Cross-currency markup is 2%.

Loaded currency walletsPrepaid balances held across up to 22 foreign-currency wallets. Load/reload/refund conversion uses HDFC's applicable card/forex rate and taxes; the card is not a savings-account balance.

ATM / load / usage limitsCurrent HDFC schedule publishes currency-specific ATM limits, e.g. USD 5,000/day, EUR 4,700 and GBP 4,000; overall loading remains subject to applicable LRS/FEMA rules.

Prepaid card / funding / regulatory relationshipStandalone prepaid forex-card relationship. An HDFC account can make online reload easier but does not turn the ForexPlus balance into an ordinary deposit-account or debit-card balance.

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.

3 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 costs₹500 + GST issuance. Branch reload is ₹75 + GST per reload transaction/currency; HDFC's current product page states no reload fee through its Prepaid/Forex online portal. ATM fees are currency-specific; USD wallet withdrawal is USD 2. Cross-currency markup is 2%.

02 · Loaded currency walletsPrepaid balances held across up to 22 foreign-currency wallets. Load/reload/refund conversion uses HDFC's applicable card/forex rate and taxes; the card is not a savings-account balance.

03 · ATM / load / usage limitsCurrent HDFC schedule publishes currency-specific ATM limits, e.g. USD 5,000/day, EUR 4,700 and GBP 4,000; overall loading remains subject to applicable LRS/FEMA rules.

04 · Prepaid card / funding / regulatory relationshipStandalone prepaid forex-card relationship. An HDFC account can make online reload easier but does not turn the ForexPlus balance into an ordinary deposit-account or debit-card balance.

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 / currenciesHDFC 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.

Purchase / KYC eligibilityIssued 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.

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.

Load / exchange-rate mechanicsLoad/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.

Overseas ATM / cashCurrency-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.

POS / e-commerceInternational 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.

Cross-currency usageCurrent 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.

Wallet conversionWallet-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.

Issuance / reload / service 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.

Inactivity / expiryCard validity follows the issued card's expiry. Current terms should control inactivity/expiry treatment; the engine does not borrow an inactivity fee from another HDFC forex-card variant.

Refund / closureRefund/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.

Replacement / emergency supportHDFC 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.

FEMA / RBI controlsLoads are subject to FEMA/LRS and current tax/TCS rules. HDFC's current page states the applicable resident-individual LRS ceiling of USD 250,000 equivalent per financial year for permitted transactions.

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.

Forex-card capabilities22 currencies in one card, contactless acceptance, online card management, PIN/block controls, multiple reload routes, back-up-card facility and currency-specific ATM limits.

ATM / load / usage limitsCurrent HDFC schedule publishes currency-specific ATM limits, e.g. USD 5,000/day, EUR 4,700 and GBP 4,000; overall loading remains subject to applicable LRS/FEMA rules.

Traveller / KYC eligibilityEligible resident travellers subject to KYC, travel-purpose documents and HDFC's current ForexPlus application requirements. Online reload is available to eligible existing HDFC Bank customers; branch routes remain available.

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

Multi-country travellers who want one prepaid card with a broad 22-currency wallet set and granular card/reload management rather than repeatedly converting through an ordinary debit or credit card.

Verify before relying

HDFC's 2% cross-currency charge applies when the transaction currency differs from the available card currency and also to wallet-to-wallet transfers; use the matching wallet where practical.
ATM cash fees and daily limits differ by wallet currency, and the overseas ATM operator can add its own fee or lower limit.
Regalia ForexPlus has different economics and is currently shown as unavailable on HDFC's reviewed page; its zero-cross-currency feature should not be applied to Multicurrency ForexPlus.

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.

State Bank of IndiaSBI State Bank Foreign Travel CardHDFC BankHDFC Bank Multicurrency ForexPlus CardOpen comparison

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

Decision checks