Forex & Prepaid Travel Cards in India

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11of 11 profiles shown

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 checked2 bank sourcesReviewed September 10, 2026

Balance ruleUp 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.

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

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Axis BankForex & prepaid travel card

Axis Bank Multi-Currency Forex Card

Axis Bank's reloadable Multi-Currency Forex Card with 16 wallets, branch purchase for account and non-account customers, Internet/mobile reload for Axis account holders, overseas ATM/POS use and emergency TripAssist support.

First-party checked4 bank sourcesReviewed September 10, 2026

Balance ruleUp to 16 separate foreign-currency wallets on one prepaid card; an Axis savings account is not required to buy the card, although it enables Internet Banking/Axis Mobile reload and balance-management routes.

Best fitMulti-country travellers wanting a 16-currency Axis prepaid card with locked load-time currency balances, digital reload/control options and emergency travel support.

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Bank of BarodaForex & prepaid travel card

Bank of Baroda TravelEasy Multi-Currency Forex Card

Bank of Baroda's Visa Platinum EMV/NFC TravelEasy prepaid forex card with three currency wallets, account-holder and non-account-holder access, immediate activation, mobile/self-service controls and explicit percentage-based ATM/cross-currency pricing.

First-party checked3 bank sourcesReviewed September 10, 2026

Balance ruleThree 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.

Best fitTravellers 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.

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Canara BankForex & prepaid travel card

Canara Bank International Travel Prepaid Card

Canara Bank's Visa International Travel Prepaid Card with multi-currency travel balances, branch/home-branch servicing, card-rate-based loading, explicit international ATM/inactivity/refund pricing and a live source-scope mismatch on the exact current wallet set.

First-party checked3 bank sourcesReviewed September 10, 2026

Balance rulePrepaid foreign-currency balances loaded at Canara's current international prepaid/card rate. The current product page is multi-currency, while live fee/rate sources expose different currency sets; exact wallet availability should therefore be confirmed at issuance.

Best fitCanara customers or travellers who value a relatively low ₹200 issuance / ₹50 reload schedule and want the bank's own prepaid travel card while confirming the exact currently issuable currency wallets at purchase.

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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 checked3 bank sourcesReviewed September 10, 2026

Balance rulePrepaid 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.

Best fitMulti-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.

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ICICI BankForex & prepaid travel card

ICICI Bank Multi-Currency Forex Prepaid Card

ICICI Bank's multi-currency Forex Prepaid Card with up to 15 wallets, digital purchase/reload and management, same-currency POS/e-commerce at nil transaction fee, currency-wise ATM charges and explicit cross-currency/wallet-transfer pricing.

First-party checked4 bank sourcesReviewed September 10, 2026

Balance rulePrepaid foreign-currency wallets—up to 15 on the current multi-currency proposition—rather than a direct savings-account debit. Non-ICICI customers can also obtain/manage a card through the dedicated forex-card journey.

Best fitTravellers who want a digitally manageable 15-currency prepaid card and need current cross-currency, wallet-transfer and overseas ATM economics stated separately.

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IDFC FIRST BankForex & prepaid travel card

IDFC FIRST Bank Multi-Currency Forex Card

IDFC FIRST Bank's currently evidenced Multi-Currency Forex Card with 14 currency choices, Insta/personalized issuance, reload and refund workflows, and a dedicated Forex Card rate column on the bank's live exchange-rate page.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance rulePrepaid balances can be loaded across the currencies supported by the current application form; funds are debited from the customer's IDFC FIRST Bank account and remain subject to RBI/FEMA limits.

Best fitExisting IDFC FIRST customers who want a bank-issued prepaid travel card with a current 14-currency application set and documented load/reload/refund servicing.

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IndusInd BankForex & prepaid travel card

Tata Neu IndusInd Bank Forex Card

IndusInd Bank's current Tata Neu co-branded multi-currency prepaid forex card with 14 wallets, Tata Neu/IndusForex servicing, explicit fee/limit schedule and DCC blocking.

First-party checked3 bank sourcesReviewed September 10, 2026

Balance ruleUp to 14 prepaid currency wallets: USD, EUR, GBP, AUD, SGD, AED, CAD, SAR, HKD, JPY, NZD, ZAR, CHF and THB.

Best fitTravellers who want 14 currencies, Tata Neu-based acquisition/management and a clearly published current fee and transaction-limit schedule.

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Kotak Mahindra BankForex & prepaid travel card

Kotak Mahindra Bank Multi-Currency Forex Card

Kotak Mahindra Bank's Visa prepaid Forex Card with 15 currency wallets, branch/NetBanking issuance and reload, currency-specific ATM pricing, online/branch servicing and explicit cross-currency treatment.

First-party checked4 bank sourcesReviewed September 10, 2026

Balance rulePrepaid foreign-currency wallets; up to 15 supported currencies can be carried on one card. The available balance is limited to loaded funds and FEMA/RBI limits rather than a credit line.

Best fitKotak customers and other eligible travellers who want a 15-wallet Visa travel card with low fixed issuance/reload fees and strong self-service controls.

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State Bank of IndiaForex & prepaid travel card

SBI State Bank Foreign Travel Card

State Bank of India's reloadable foreign travel card with current Visa single- and multi-currency variants, overseas ATM/POS/e-commerce use, digital card controls and currency-specific prepaid balances kept separate from ordinary SBI debit-card international usage.

First-party checked2 bank sourcesReviewed September 10, 2026

Balance rulePrepaid 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.

Best fitTravellers 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.

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YES BANKForex & prepaid travel card

YES BANK Multi Currency Travel Card

YES BANK's live but transitional Multi Currency Travel Card proposition: legacy cards are being deactivated during a system upgrade, while customers can obtain replacement cards and new travellers can still approach branches for issuance.

First-party checked4 bank sourcesReviewed September 10, 2026

Balance ruleMulti-currency prepaid balances. YES BANK's current Visa MCTC material lists up to 14 currency wallets, while migration/replacement status now controls continued usability of older cards.

Best fitYES BANK customers or travellers who specifically want the bank's multi-currency prepaid card and are willing to confirm the current replacement/new-issuance state at a branch before travel.

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How to compare

Check the terms that can change the decision.

Category membership alone does not make products interchangeable. Recheck the bank's current controlling agreement, tariff or effective-rate table before acting.

Cost

Identify recurring charges, balance requirements and waivers.

Eligibility

Confirm who can actually open or keep the product.

Limits

Check the transaction and operating limits that affect normal use.

Source freshness

Use the current bank agreement or tariff when it differs from older marketing copy.

Forex travel-card capability matrix

Compare the wallets and reload model before comparing a headline fee.

Currency count, account requirement, branch/digital reload and same-wallet spending are product-specific. A 22-currency card and a three-currency card solve different travel patterns even before pricing is compared.

Research matrix: Travel card; Currency / load model; ATM / merchant use
Travel card	Currency / load model	ATM / merchant use
AU Small Finance Bank Multi-Currency Forex Card	Mastercard prepaid card supporting six wallets: CAD, EUR, GBP, AED, USD and JPY. Minimum load USD 100 equivalent. Reload online through the customer portal or at servicing branches; current reload fee ₹100 plus taxes.	Currency-specific ATM fees apply; current overall daily ATM ceiling is USD 5,000 equivalent, with local ATM-owner surcharges/limits potentially additional. Mastercard 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.
Axis Bank Multi-Currency Forex Card	16 wallets: USD, EUR, GBP, SGD, AUD, CAD, SEK, JPY, CHF, AED, SAR, THB, HKD, NZD, ZAR and DKK. Initial load is handled through Axis/authorized issuance channels. Axis savings customers can reload via Internet Banking/Axis Mobile; non-account customers can reload through branch/family-authorisation routes. Current reload/renewal fee source: ₹100 + GST.	Reviewed current product material states nominal USD 2 overseas ATM withdrawal; current fee sheet also lists USD 0.50 balance enquiry. Foreign ATM owner fees/limits can be additional. Merchant swipe/POS transactions in the loaded currency are advertised without a separate transaction fee. Online/global merchant use depends on network/card controls and merchant acceptance.
Bank of Baroda TravelEasy Multi-Currency Forex Card	Current TravelEasy product page supports three wallets: USD, GBP and EUR on a Visa Platinum EMV chip/NFC prepaid card. Immediate activation after load; card is reloadable any number of times within the customer's FEMA ceiling. Current reload fee: ₹55 before applicable tax.	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. 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.
Canara Bank International Travel Prepaid Card	Canara markets one International Travel Prepaid Card as multi-currency. Its current product-page fee table visibly covers USD/EUR/AUD, while the bank's current card-service charge and international-prepaid-rate pages also publish GBP/CAD/SGD/AED schedules. Exact currently issuable wallet set is therefore source-scoped and should be confirmed. Can be loaded/reloaded as required within regulatory limits. Current reload fee is ₹50 + taxes. Loading uses Canara's current International Prepaid selling rate for the selected supported currency.	Current card-service schedule publishes currency-specific international Mastercard/foreign ATM charges despite the product page describing Visa acceptance: USD 1.75, EUR 1.50, GBP 1.25, AUD 2.50, CAD 2.25, SGD 2.50, AED 6.50; balance enquiry 0.50 in each listed wallet. Network/source scope should be checked for the exact issued card. Card is designed for international merchant/ATM use on the Visa platform per the current product page. Same-wallet merchant use is distinct from cross-currency conversion; network/merchant acceptance remains controlling.
HDFC Bank Multicurrency ForexPlus Card	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. ₹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.	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. 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.
ICICI Bank Multi-Currency Forex Prepaid Card	Current ICICI multi-currency proposition supports 15 wallets: USD, EUR, GBP, AUD, CAD, CHF, JPY, AED, HKD, SGD, THB, SAR, SEK, ZAR and NZD. 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.	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. 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.
IDFC FIRST Bank Multi-Currency Forex Card	Current application form lists 14 currencies: USD, GBP, EUR, AUD, CAD, SGD, SEK, HKD, JPY, AED, CHF, NOK, NZD and ZAR. Current form supports initial issuance and reload. The customer authorizes debit to the linked IDFC FIRST account for the requested currency amount plus applicable service charges/taxes/TCS.	The product is a prepaid travel card intended for overseas use, but v1.53 leaves current ATM fee and cash-withdrawal ceilings unfilled because no complete live first-party card-specific table was verified. Multi-currency prepaid travel-card use is supported for overseas spend. Channel-specific current limits are not inferred from debit- or credit-card schedules.
Tata Neu IndusInd Bank Forex Card	Current card supports 14 wallets: USD, EUR, GBP, AUD, SGD, AED, CAD, SAR, HKD, JPY, NZD, ZAR, CHF and THB. Reloadable through Tata Neu, IndusInd branches or IndusForex portal. Current reload fee is ₹99 plus applicable GST.	Currency-specific ATM withdrawal fees apply; current schedule caps each ATM transaction at USD 300 equivalent and daily ATM use at USD 1,000 equivalent. Visa merchant and online acceptance with current daily POS/e-commerce limit of USD 10,000 equivalent. Contactless use is supported subject to local rules.
Kotak Mahindra Bank Multi-Currency Forex Card	Visa multi-currency prepaid card supporting 15 current wallets: USD, EUR, GBP, AUD, SGD, CHF, HKD, CAD, NZD, JPY, SEK, ZAR, AED, SAR and THB. Reloadable through branch, web login or customer contact centre before expiry. Current reload/convenience fee is ₹75 + GST. Web loading limits depend on passport details held by the bank.	Currency-specific ATM withdrawal and balance-enquiry charges apply; e.g. USD 2 withdrawal / USD 0.50 enquiry. Current daily maximums include USD 5,000 equivalent in the USD wallet; local ATM limits/surcharges can be lower/additional. Accepted at Visa merchant outlets and international e-commerce/ATMs subject to country/network restrictions. Current maximum daily USD POS/e-commerce limit is USD 10,000, with currency-specific equivalents for other wallets.
SBI State Bank Foreign Travel Card	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. 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.	Current 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. Current 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.
YES BANK Multi Currency Travel Card	Current YES BANK Visa MCTC material lists up to 14 wallets: USD, GBP, EUR, CAD, AUD, SGD, AED, JPY, SAR, THB, CHF, ZAR, NZD and HKD. Current BookMyForex card material also uses a 14-wallet authorization structure. Reloadable subject to FEMA limits. Exact fee depends on the live card programme: current BookMyForex standard schedule lists ₹0 reload while older legacy MCTC material lists ₹100; these are deliberately not merged.	Currency-specific ATM fees and limits apply. Current BookMyForex schedule, for example, lists USD 2 ATM withdrawal and USD 1 balance enquiry with USD 1,000 daily ATM ceiling; legacy MCTC schedules differ. Designed for overseas POS/e-commerce/ATM use. BookMyForex FAQs describe wallet-priority authorization and decline where no single wallet has sufficient funds; DCC usage should be avoided.

Conversion, lifecycle & recovery matrix

Same-wallet spend can be cheap while conversion or cash-out is expensive.

Cross-currency markup, wallet-to-wallet conversion, ATM-owner surcharge, inactivity, refund/encashment and replacement are separate cost states. Conflicting current bank documents remain visible until reconciled.

Research matrix: Bank; Conversion / service fees; Expiry / refund / replacement
Bank	Conversion / service fees	Expiry / refund / replacement
AU Small Finance Bank Multi-Currency Forex Card	3.5% markup when transaction currency differs from the funded wallet/cross-currency conversion is required. 2% of transfer amount for wallet-to-wallet transfer under the current schedule. ₹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.	Card can be reloaded multiple times before expiry. The reviewed live page does not publish a separate universal inactivity fee, so none is invented. Remaining 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 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.
Axis Bank Multi-Currency Forex Card	Current fee sheet lists 3.50% cross-currency usage. Axis's usage guide applies cross-currency conversion when transaction currency is unavailable/insufficient in the appropriate wallet. Multiple wallets coexist on one card. If the transaction currency wallet is unavailable/insufficient, Axis/network wallet-order conversion can apply; cumulative wallet handling and authorization order follow current card terms. Current first-party conflict: brochure shows ₹300 + GST issuance; fee sheet shows ₹150 + GST initial sale. Reload/renewal ₹100 + GST appears in reviewed sources. USD 2 ATM withdrawal and 3.5% cross-currency are separately scoped.	Current fee sheet lists USD 5 inactivity fee after more than 12 months without debit/credit. Card itself is marketed with five-year validity; current card/variant terms control. Reviewed fee sheet lists ₹100 + GST encashment charges; residual balance converts at Axis's applicable card rate. TripAssist offers blocking, replacement-card and emergency-cash assistance. Reviewed fee sheet lists USD 3 replacement card fee excluding postage/handling; emergency support terms remain service-specific.
Bank of Baroda TravelEasy Multi-Currency Forex Card	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. 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. ₹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.	Current charge schedule lists USD/EUR/GBP 5 inactivity fee when unused for 180 days and USD/EUR/GBP 5 deduction every 12 months on an expired card. Product page states minimum three-year validity/date printed on card controls. Current schedule states remaining balance refund after deducting ₹250 plus tax on foreign-currency conversion when cancelling/refunding to customer account. 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.
Canara Bank International Travel Prepaid Card	Current Canara service-charge/product material lists 3% cross-currency usage. Multiple currency balances can be loaded on the card according to available wallet support. Canara's current pages do not give one fully reconciled wallet-to-wallet conversion tariff, so only the 3% cross-currency usage rule is treated as confirmed. ₹200 + taxes initial sale; ₹50 + taxes reload; ₹100 + taxes encashment; reissue/renewal NIL. Current currency-specific ATM, inactivity, shortfall, cash-over-counter, retrieval and chargeback schedules remain separate.	Monthly inactivity fee after 12 months of no use is currency-specific (e.g. USD 1.50/EUR 1/GBP 1/AUD 2.25). Product page states maximum five-year validity; exact expiry printed on the card controls. Current encashment charge is ₹100 + taxes. Product page says closure request is submitted at issuing/home branch and unspent balance is credited back to the CASA account, using the applicable card conversion rate. Current service-charge table lists replacement card fee as Free across its published travel-card currencies; statement/new PIN are NIL. Hotlisting and self-care controls are available.
HDFC Bank Multicurrency ForexPlus Card	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. 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. ₹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.	Card 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/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. 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.
ICICI Bank Multi-Currency Forex Prepaid Card	3.5% + GST for transaction types where billing currency differs from the card currency, per current schedule/FAQ. Current schedule publishes a wallet-to-wallet transfer fee of 2.5% of transfer amount, charged from the destination wallet. 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.	Validity and inactivity rules depend on the issued forex-card variant/current terms. The engine does not infer one generic inactivity fee where ICICI's current overview does not state a universal number. 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. 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.
IDFC FIRST Bank Multi-Currency Forex Card	Cross-currency conversion can apply when spending outside the loaded wallet structure; the exact current card-specific percentage is not asserted from generic bank blog examples. Multiple listed currency wallets are supported. Current first-party forms do not expose a complete public wallet-to-wallet fee table, so v1.53 keeps this field qualitative. Applicable service charges, taxes and TCS are acknowledged by the current application form. Exact current issuance/reload/ATM/refund figures are not populated without a verified current card-specific schedule.	Card validity/expiry is controlled by the issued card and current terms. The reviewed change/refund forms support ongoing servicing but do not justify inventing an inactivity fee. IDFC FIRST publishes a current encashment form supporting partial refund, full refund and full refund with card closure to an IDFC FIRST Bank account. Current change-request and dispute forms support card servicing; card-loss/dispute handling is documented. Exact emergency/replacement pricing remains source-gated.
Tata Neu IndusInd Bank Forex Card	3.5% markup under the current schedule when conversion outside the funded wallet/base currency is required. Automatic wallet fallback is supported based on a defined currency priority; customers can manage currency priorities through supported card channels. ₹299 issuance, ₹99 reload, ₹99 reissue, ₹0 encashment, 3.5% cross-currency, currency-specific ATM/balance enquiry fees and applicable GST.	₹250 or equivalent per quarter after 18 months of inactivity under the current schedule. Card expiry and regulatory post-travel balance rules remain separately applicable. Current schedule lists encashment fee as zero. Remaining foreign exchange is subject to RBI retention/refund rules after return to India. Domestic replacement is currently listed as nil in the reviewed schedule, while re-issuance is ₹99; lost/stolen support follows IndusInd/Tata Neu forex-card channels.
Kotak Mahindra Bank Multi-Currency Forex Card	3.5% markup applies when the transaction currency is not adequately funded by the matching wallet and conversion is required. The card can hold multiple wallets and uses the bank's defined wallet priority where needed; conversion/cross-currency treatment applies when funds are taken from a non-matching wallet. ₹250 + GST issuance; ₹75 + GST reload; currency-specific overseas ATM fees; replacement/reissue pricing differs for India versus overseas; refund and chargeback fees are currently listed as nil on the reviewed fee page.	Reload is available only before the card's printed expiry. Current terms govern validity; no universal inactivity fee was inferred where the reviewed live fee page did not clearly publish one. Current fee page lists refund charge as nil. RBI/FEMA retention/refund rules still apply; Kotak states balances above USD 2,000 equivalent should be refunded within the applicable post-return period. Lost/stolen card can be hotlisted through Kotak support or online travel login. Replacement is charged by location/currency; Visa GCAS emergency card/cash services are available with separate service fees.
SBI State Bank Foreign Travel Card	SBI currently publishes a 3% of transaction amount + GST cross-currency charge when the transaction cannot be settled directly from the matching currency wallet. 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. ₹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.	Card validity is governed by the expiry printed on the issued card. Current SBI page provides ongoing digital balance/statement/control access; legacy Mastercard schedules contain inactivity provisions, so variant-specific current terms should be checked before relying on an old inactivity figure. Current SBI page lists ₹100 + GST refund/cash-out per request. Refund remains subject to applicable conversion, documentation and card terms. Card 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.
YES BANK Multi Currency Travel Card	Current BookMyForex schedule lists 3.5% cross-currency markup. Older legacy MCTC schedule shows 2.75%, so the rate must be tied to the actual issued/replacement card programme. Card uses a defined currency-authorization order when matching wallet funds are insufficient. Cross-currency conversion applies and partial aggregation across multiple insufficient wallets is not allowed. Programme-specific. Current BookMyForex standard schedule: ₹0 issuance/reload/refund, 3.5% cross-currency, ₹250 India replacement and ₹3,000 overseas replacement; older legacy YES MCTC has different fees.	Current migration page offers replacement cards with two-year validity for customers continuing use. BookMyForex standard schedule lists ₹0 inactivity after 12 months; legacy terms differ. Current migration page provides branch support for card balance/status. BookMyForex standard schedule lists ₹0 refund fee, while legacy MCTC terms historically differed. Migration workflow specifically requires replacement for continued use of affected/legacy cards. Existing balances/details are transferred to the replacement card; replacement pricing depends on programme.

Maintained comparisons

Head-to-head research where the trade-off is meaningful.

Pairs are curated rather than generated automatically. Each product retains its own conditions, dates and evidence.

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