| Currencies / wallet format | 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. | Current TravelEasy product page supports three wallets: USD, GBP and EUR on a Visa Platinum EMV chip/NFC prepaid card. |
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| Purchase eligibility | Issued 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. | 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. |
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| 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. | Immediate activation after load; card is reloadable any number of times within the customer's FEMA ceiling. Current reload fee: ₹55 before applicable tax. |
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| Exchange rate | Load/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. | 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. |
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| ATM cash | 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. | 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. |
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| POS / e-commerce | 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. | 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. |
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| Cross-currency | 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. | 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. |
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| Wallet conversion | 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. | 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. |
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| 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. | ₹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. |
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| Refund / closure | 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. | Current schedule states remaining balance refund after deducting ₹250 plus tax on foreign-currency conversion when cancelling/refunding to customer account. |
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| Replacement / emergency | 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. | 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. |
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