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Best Forex Cards In India 2024
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Any foreign trip planning must prudently include a discussion about Forex Cards. A forex card enables one to make cashless transactions abroad. One can easily apply for a Forex Card in India 2024 as various financial institutions offer the same. The application can be made online, and users can load the card with as much balance as they want. Forex cards are a convenient alternative to cash or debit/credit cards. This guide will provide significant insight into the Forex cards available in India in 2024, along with their features, benefits, eligibility, documents required, and other related information.
Table of Contents
- Features and Benefits of Forex Cards
- Joining Fee of Best Forex Card In India
- What are the Types of Forex Cards?
- How To Apply for a Forex Card?
- What are the Uses of a Forex Card?
- How Does a Forex Card Work
- Factors to Consider Before Buying a New Forex Card
- Advantages of Using a Forex Credit Card for Foreign Travel
- Do’s and Don’ts While Using a Forex Card
- What is the Difference Between Forex Cards & Credit Cards?
Features and Benefits of Forex Cards
Some of the top Forex Cards available in India include the HDFC Bank ForexPlus Card, ICICI Bank Travel Card, Axis Bank Forex Card, State Bank of India Multi-Currency Foreign Travel Card, and Kotak Mahindra Bank Multi-Currency World Travel Card. Each card has certain unique features and certain common features. The applicant must pick the best Forex Card as per their own needs and requirements. However, here we have curated the top 10 Forex Cards in India in 2024.
Some of the top Forex Cards in India in 2024 are as follows.
ICICI Bank Coral Prepaid Forex Card
Card Name | ICICI Bank Coral Prepaid Forex Card |
Issuing Bank | ICICI Bank |
Joining Fees | INR 1000 + GST |
Renewal Fees | NA |
Suitable For | Shopping and travelling |
Pros | Joining Benefits, Vouchers, OneAssist Complete Card Protection feature, Insurance coverage |
Cons | Limited access with charges applicable. Limited currency support. |
Goibibo ICICI Bank Forex Prepaid Card
Card Name | Goibibo ICICI Bank Forex Prepaid Card |
Issuing Bank | ICICI Bank |
Joining Fees | INR 499 + GST |
Renewal Fees | NA |
Suitable For | Shopping and travelling |
Pros | Attractive welcome benefits, dining benefits, shopping benefits, travel benefits, and forex benefits. |
Cons | Applicable in only specific countries, charges applicable on joining. |
IndusInd Bank Multi-Currency Travel Card
Card Name | IndusInd Bank Multi-Currency Travel Card |
Issuing Bank | IndusInd Bank |
Joining Fees | INR 149 + GST |
Renewal Fees | INR 149 + GST |
Suitable For | Frequent international travellers |
Pros | No conversion charges, Online usage activated, Quick delivery of the card. |
Cons | Markup fees applicable for exchanging in different currencies. |
ICICI Bank Sapphiro Forex Prepaid Card
Card Name | ICICI Bank Sapphiro Forex Prepaid Card |
Issuing Bank | ICICI Bank |
Joining Fees | INR 2999 + GST |
Renewal Fees | INR 499 + GST |
Suitable For | Shopping and travelling |
Pros | Cashless transactions, convenient and easy to use, secure card for usage. |
Cons | Absense of grace period for repayment of interest. Charges and fees applied. |
State Bank Multi-currency Foreign Travel Card
Card Name | State Bank Multi-currency Foreign Travel Card |
Issuing Bank | State Bank of India |
Joining Fees | INR 500 + GST |
Renewal Fees | NA |
Suitable For | Travelling |
Pros | Contactless payment enabled, No markup fees, easy reload facility, vast acceptance of the card. |
Cons | Fees and charges are applicable for various facilities, customer service can be a bit slow. |
Axis Bank World Traveller Forex Card
Card Name | Axis Bank World Traveller Forex Card |
Issuing Bank | Axis Bank |
Joining Fees | INR 499 + GST |
Renewal Fees | INR 499 + GST |
Suitable For | Frequent international travellers |
Pros | Accessible in 16 counties, can be used for multiple purposes, users can earn miles award and points. |
Cons | High Fees and charges, limited usage, cash withdrawals not possible. |
ICICI Bank Student Forex Prepaid Card
Card Name | ICICI Bank Student Forex Prepaid Card |
Issuing Bank | ICICI Bank |
Joining Fees | INR 499 + GST |
Renewal Fees | INR 199 + GST |
Suitable For | Students studying abroad |
Pros | Safe and convenient for students studying abroad, insurance cover included, discounts available. |
Cons | NA |
BookMyForex Yes Bank Forex Card
Card Name | BookMyForex Yes Bank Forex Card |
Issuing Bank | Yes Bank |
Joining Fees | No Fee |
Renewal Fees | No Renewal Fees |
Suitable For | Frequent international travellers |
Pros | Safe and convenient for students studying abroad, insurance cover included, discounts available. |
Cons | NA |
Features and Benefits of Forex Cards
Forex cards, also known as prepaid travel or currency cards, are a convenient and secure way to carry foreign currency while travelling abroad. In India, forex cards are offered by several banks and financial institutions, and they come with a range of features and benefits, including
- Security: Forex cards are more secure than carrying cash, as they come with chip-and-PIN protection and can be easily blocked or cancelled if lost or stolen.
- Wide acceptance: Forex cards are widely accepted at millions of merchant establishments worldwide, including hotels, restaurants, shopping centres, and ATMs.
- Multiple currencies: Forex cards can be loaded with multiple currencies, allowing travellers to avoid the hassle of carrying different currencies or exchanging money multiple times during their trip.
- Online transactions: Forex cards can be used for online transactions, including booking flights, hotels, and other travel-related services.
- Zero transaction fees: Most forex cards offer zero transaction fees for international transactions, making them a cost-effective way to spend money abroad.
- Competitive exchange rates: Forex cards offer competitive exchange rates, usually better than those offered by currency exchange bureaus or banks.
- Reloadable: Forex cards can be reloaded easily from anywhere using the bank’s online banking platform or mobile app.
- Emergency assistance: Forex cards come with 24×7 customer support and emergency assistance, including cash disbursement and card replacement services.
Joining Fee of Best Forex Card In India
Forex Cards joining fees refers to a fee that any customer has to incur while applying for a card. The fee varies from provider to provider and in certain cases, banks also simply waive the fees. When finding the best Forex Cards in India, the joining fee becomes an essential factor to consider. Consequently, applicants should proactively explore their options in terms of forex card joining fees across several providers to pick out a card that also fits their budget.
What are the Types of Forex Cards?
There are primarily two types of forex cards in India:
- Single Currency Forex Card: This type of forex card can be loaded with only one foreign currency, such as USD or EUR. These cards are ideal for travellers who are visiting only one country or region.
- Multi-currency Forex Card: This type of forex card can be loaded with multiple foreign currencies, such as USD, EUR, GBP, AUD, and more. These cards are ideal for travellers who are visiting multiple countries or regions.
Both types of forex cards are available in physical and virtual forms and can be easily reloaded as and when required.
How To Apply for a Forex Card?
There are various banks and financial institutions in India that offer Forex Cards. The first step would be to compare their features, fees, and rates and choose the one that suits you the best. Moreover, the further process, in general, involves the following steps.
- Submit the application form: Most Forex Card issuers have an online application process. Fill in your personal and travel details, and upload the required documents such as your passport, visa, air ticket, etc.
- Provide KYC documents: Forex Cards are regulated by the Reserve Bank of India, and you will need to provide KYC documents such as a PAN card, Aadhaar card, and address proof.
- Load funds onto the card: Once your application is approved, you can load funds onto the card using online banking, a debit card, or NEFT/RTGS.
- Activate the card: Some Forex Cards are automatically activated, while others require you to call customer care and activate it.
- Use the card: You can use the Forex Card for shopping, dining, and withdrawing cash at ATMs abroad. Most Forex Cards offer zero or low foreign currency conversion fees and competitive exchange rates.
Remember to keep the Forex Card PIN and customer care number safe and handy during your travel.
Eligibility for Acquiring a Forex Cards in India
In general, the eligibility for acquiring a forex card in India depends on the following criteria:
- You must be at least 18 years of age to apply for a forex card in India.
- You should be a resident of India as per the Foreign Exchange Management Act (FEMA) guidelines.
- You need valid documents such as a passport, visa, PAN card, and other documents as specified by the issuing bank.
- You should have a valid reason for travelling abroad, such as for education, business, or leisure.
- You need sufficient funds in your bank account to load the forex card.
- A good credit score helps approve the forex card application.
- You need active savings or a current account with the issuing bank to apply for a forex card.
It’s advisable to check with the issuing bank for their specific eligibility criteria and documentation requirements before applying for a forex card.
Documents Required To Apply For a Forex Card In india
The required documents for applying for a Forex card in India may vary based on the card issuer and the type of Forex card you choose. However, the following documents are generally required to apply for a Forex card.
- Passport
- Visa
- Airline Ticket
- Proof of Residence
- Proof of Identity
- PAN Card
- Application Form
- Photographs
What are the Uses of a Forex Card?
There are various uses for a Forex Card in India. These can be summed up as follows.
- Forex cards can be used as a convenient and safe way to carry money while travelling abroad. It eliminates the need to carry physical currency. It can be easily used to withdraw money from ATMs or to make purchases at merchants that accept international Visa/MasterCard debit cards.
- Forex cards can also be used to make online purchases from international websites that accept Visa/MasterCard debit cards. This is especially useful for people who frequently purchase products or services from foreign websites.
- Forex cards can be used to transfer money to other individuals or companies in foreign countries. This can be done by loading the card with the required amount and transferring it to the recipient’s card.
- Traders can also use Forex cards to deposit and withdraw funds from their trading accounts. This provides a convenient and secure way to transfer money between trading accounts and bank accounts.
- Forex cards can also be used to pay for emergency expenses while travelling abroad. This includes expenses such as medical emergencies, hotel bookings, or flight cancellations.
How Does a Forex Card Work
A forex card is an excellent travel companion allowing you to carry multiple currencies conveniently. Moreover, it offers better exchange rates than cash and credit cards and is secure and easy to use.
Here’s how it works:
- Once you have the card, you can load it with the desired amount of foreign currency. You can load up to 18 currencies on a forex card.
- The exchange rate is fixed at the time of loading the card. It is not affected by the fluctuations in the currency exchange market.
- You can use the forex card to withdraw cash from ATMs or make payments at merchant outlets. You can also use it for online transactions and to pay for hotel bookings, flight tickets, and other travel expenses.
- Forex cards are secure and come with chip and pin protection. They also have a backup card, which can be used in case of loss or theft of the primary card.
- Using the internet or mobile banking, you can reload your forex card anytime, anywhere.
Factors to Consider Before Buying a New Forex Card
Suppose you are considering buying a new Forex Card. In that case, the below-mentioned pointers can assist you in gaining significant insight into how you can better invest and use a Forex Card.
- Currency exchange rates: Look for a Forex card that offers the best exchange rates for your desired currency. Compare rates across different providers to ensure you get the best deal.
- Fees and charges: Check the fees and charges associated with the card. These may include issuance fees, ATM withdrawal fees, transaction fees, and currency conversion charges. Make sure to choose a card that has low or no fees.
- Accepted currencies: Check the list of currencies that the Forex card supports. Ensure that it covers all the currencies you plan to use.
- Security: Look for a card that offers high levels of security, such as chip and PIN technology, two-factor authentication, and fraud protection. This will help keep your money safe while travelling.
- Reload options: Check the reload options available for the card. Some cards offer the option of reloading online or through mobile apps, while others require visiting a branch.
- Customer service: Look for a provider that offers good customer service. This can help you resolve issues or concerns using the Forex card.
- Travel insurance: Some Forex cards come with travel insurance, which can be helpful in case of emergencies. Check if the card you are considering offers this feature.
Overall, it is important to research and compare different Forex cards before making a decision. This will help you find a card that meets your needs and offers the best value for money.
What is the Difference Between Forex Cards & Credit Cards?
Forex cards and credit cards are both widely used in India for making transactions, but they have distinct differences and serve different purposes.
Factors | Forex Cards | Credit Cards |
Purpose | Forex cards are primarily used for foreign currency transactions | Credit cards are used for domestic transactions |
Currency | Forex cards are pre-loaded with a foreign currency | Credit cards are linked to your domestic currency |
Usage | Forex cards can be used for making payments and cash withdrawals in foreign currency | Credit cards are used for making payments and cash withdrawals in domestic currency |
Charges | Forex cards typically charge lower fees for foreign currency transactions compared to credit cards | Credit cards charge higher in comparison to credit cards. |
Credit Limit | Forex cards do not offer any credit limit as they are pre-loaded with a fixed amount | Credit cards offer a credit limit that allows you to borrow money up to a certain limit |
Interest | Forex cards do not charge interest as they are pre-loaded with a fixed amount | Credit cards charge interest on the outstanding balance if the payment is not made on time |
Advantages of Using a Forex Credit Card for Foreign Travel
Some advantages of using a Forex card for foreign travel are listed below.
- Convenient and secure
- Competitive exchange rates
- Rewards and discounts
- Emergency assistance
- Multi-currency facility.
Do’s and Don’ts While Using a Forex Card
Anyone owing a Forex card will benefit from acquainting themselves with some do’s and don’ts. These are given below.
Do’s:
- Keep track of your balance and transaction history regularly.
- Use the card only at authorised foreign exchange dealers and ATMs.
- Set a PIN for your forex card and keep it confidential.
- Inform your card issuer immediately if your card is lost or stolen.
- Check the forex rates before making a transaction.
Don’ts:
- Share your forex card details with anyone.
- Use your forex card for transactions in countries where the currency is not loaded on the card.
- Use your forex card for illegal transactions.
- Use the card at merchants or ATMs that seem suspicious.
- Keep your card and PIN together, or write your PIN on the card
Conclusion
In conclusion, forex cards in India have become a popular choice for international travellers due to their convenience and security. They offer a hassle-free way to carry foreign currency and make transactions abroad. The forex card market in India has witnessed significant growth over the years, with multiple banks and financial institutions offering forex cards with varying features and benefits.
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- Kotak Mahindra Bank Personal Loan of 5000
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- Kotak Mahindra Bank Personal Loan of 40000
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- Home Loan
- Personal Loan
- Loan Against Property
- Business Loan
- Federal Bank Personal Loan for Lawyers
FAQ About Best Forex Cards in India
What is the minimum amount I can load on my Forex card?
The minimum amount to be loaded on a Forex card varies depending on the issuing bank or financial institution. It is best to check with the specific provider to determine their minimum loading requirements.
Can I use a Forex card at the ATM?
Yes, you can use a Forex card at the ATM to withdraw cash in the local currency of the country you are visiting. However, check with your Forex card provider for any applicable fees or restrictions on ATM usage.
What is a multi-currency Forex card?
A multi-currency Forex card is a prepaid card that can hold multiple currencies simultaneously. It is typically used for international travel and allows users to withdraw money and make purchases in different countries without needing multiple cards or currency exchanges.
Is a Forex card better than a debit card?
A multi-currency Forex card is a prepaid card that allows you to load multiple foreign currencies onto a single card. Unlike a debit card, it can be used for transactions in different countries without the need for currency conversion every time.
How do I withdraw money from my Forex card when abroad?
To withdraw money from your Forex card abroad, you will need to locate an ATM that accepts your card. Once you find a compatible ATM, insert your Forex card, enter your PIN, and follow the instructions to withdraw the desired amount of cash.
Can I reload my Forex card when overseas?
Yes, you can usually reload your Forex card when you are overseas, as long as you have access to a reliable internet connection and follow the necessary procedures outlined by your card issuer. It is advisable to check with your card issuer before your trip to confirm their guidelines for reloading your card abroad.
Can a Forex card be used to withdraw money from an ATM?
Yes, a Forex card can be used to withdraw money from an ATM, just like a regular debit card. However, checking the withdrawal fees and foreign exchange rates before using them is important.
Can a Forex card be used for online shopping?
Yes, a Forex card can be used for online shopping as long as the website accepts the type of card and the currency loaded on the card is the same as the transaction currency.
Which Forex card is best for students?
There are several Forex cards available for students, each with its own features and benefits. Students need to research and compare the options to find the one that best suits their needs and budget.
Is a Travel card and a Forex card the same?
No, Travel and Forex cards are not the same. A Travel card is a prepaid card used for making payments while travelling abroad, while a Forex card is a prepaid card used for foreign currency transactions.
Is a Forex card better than cash?
Using a Forex card can be a better option than carrying cash while travelling abroad because it offers convenience, security, and the ability to lock in favourable exchange rates. Forex cards are widely accepted and can be used to withdraw cash at ATMs, pay for purchases, and even make online transactions.
Are Forex cards free?
Whether Forex cards are free depends on the specific card and issuer. Some Forex cards may have no fees, while others may have fees for various services such as loading, ATM withdrawals, or inactivity.
What is a Forex card number?
A Forex card number is a unique identification number assigned to a prepaid travel card used for foreign currency transactions. It is typically a 16-digit number printed on the front of the card.
How to unlock the Forex card?
Contact your bank’s customer support or visit the nearest branch to unlock your Forex card. Moreover, you may be required to provide identification and verification details to prove your identity and ownership of the card. Once your identity is verified, the bank will unlock your Forex card, which you can use for transactions.
Do Forex cards have lounge access?
Forex cards typically do not provide lounge access. However, some premium Forex cards may offer lounge access as a complimentary benefit.
Can Forex cards be used as credit cards?
Forex cards cannot be used as credit cards as they are pre-paid cards loaded with a specific amount of currency. On the other hand, credit cards allow you to borrow money from the issuer up to a certain limit and pay it back later with interest.
Can I use a Forex card anywhere?
A Forex card can be used in most countries that accept international payments. However, checking with the specific merchant or ATM provider is always a good idea to ensure they accept your Forex card.
What are the disadvantages of a forex card?
Forex cards may have hidden charges and fees, such as ATM withdrawal, currency conversion, and inactivity fees. They may not be accepted at all merchants or ATMs, especially in remote areas, and may have limitations on the amount that can be loaded onto the card.