| Currencies / wallet format | Current application form lists 14 currencies: USD, GBP, EUR, AUD, CAD, SGD, SEK, HKD, JPY, AED, CHF, NOK, NZD and ZAR. | Mastercard prepaid card supporting six wallets: CAD, EUR, GBP, AED, USD and JPY. |
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| Purchase eligibility | Application is tied to an IDFC FIRST Bank account and requires PAN, passport, travel dates/countries, source of funds and FEMA/FETERS purpose. Insta Card and personalized card issuance are both supported. | Available to Indian nationals travelling abroad and foreign nationals residing in India who hold an AU account; not issued to NRI/NRE/NRO or non-KYC-compliant customers. |
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| Load / reload | 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. | Minimum load USD 100 equivalent. Reload online through the customer portal or at servicing branches; current reload fee ₹100 plus taxes. |
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| Exchange rate | IDFC FIRST publishes a live exchange-rate table with dedicated Forex Card Bank Buys and Bank Sells columns. The applicable rate is market-linked and should be taken from the bank's current card rate at processing. | Currency is loaded at AU's offered exchange rate on the day of transaction, locking that INR-to-wallet conversion for the prepaid amount. Published rates are indicative until actual debit/credit. |
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| ATM cash | 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. | Currency-specific ATM fees apply; current overall daily ATM ceiling is USD 5,000 equivalent, with local ATM-owner surcharges/limits potentially additional. |
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| POS / e-commerce | Multi-currency prepaid travel-card use is supported for overseas spend. Channel-specific current limits are not inferred from debit- or credit-card schedules. | 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. |
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| Cross-currency | 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. | 3.5% markup when transaction currency differs from the funded wallet/cross-currency conversion is required. |
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| Wallet conversion | 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. | 2% of transfer amount for wallet-to-wallet transfer under the current schedule. |
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| Fees | 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. | ₹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. |
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| Refund / closure | IDFC FIRST publishes a current encashment form supporting partial refund, full refund and full refund with card closure to an IDFC FIRST Bank account. | 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. |
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| Replacement / emergency | Current change-request and dispute forms support card servicing; card-loss/dispute handling is documented. Exact emergency/replacement pricing remains source-gated. | 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. |
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