| 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. | 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. |
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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. | Issued through Canara's travel-prepaid process subject to KYC/passport/travel/FEMA documentation. The issuing/home branch is used for important servicing such as closure/refund. |
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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. | 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. |
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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. | Canara publishes daily International Prepaid sell/buy rates separately from TT/bill rates. The final applicable rate is the card rate prevailing when the customer account is debited/credited; published rates are subject to market change. |
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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. | 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. |
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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. | 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. |
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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 Canara service-charge/product material lists 3% cross-currency usage. |
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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. | 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. |
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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. | ₹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. |
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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 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. |
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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. | 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. |
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