| Currencies / wallet format | Current application form lists 14 currencies: USD, GBP, EUR, AUD, CAD, SGD, SEK, HKD, JPY, AED, CHF, NOK, NZD and ZAR. | Current card supports 14 wallets: USD, EUR, GBP, AUD, SGD, AED, CAD, SAR, HKD, JPY, NZD, ZAR, CHF and THB. |
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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. | Can be obtained via Tata Neu, IndusInd branch/online channels or approved distribution routes, subject to KYC/passport/travel/FEMA compliance. |
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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. | Reloadable through Tata Neu, IndusInd branches or IndusForex portal. Current reload fee is ₹99 plus applicable GST. |
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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. | Matching loaded-currency transactions use the prepaid wallet amount; non-base/non-wallet currency conversion follows Visa conversion plus the bank's published cross-currency markup. |
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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 withdrawal fees apply; current schedule caps each ATM transaction at USD 300 equivalent and daily ATM use at USD 1,000 equivalent. |
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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. | 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. |
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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 under the current schedule when conversion outside the funded wallet/base currency 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. | Automatic wallet fallback is supported based on a defined currency priority; customers can manage currency priorities through supported card channels. |
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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. | ₹299 issuance, ₹99 reload, ₹99 reissue, ₹0 encashment, 3.5% cross-currency, currency-specific ATM/balance enquiry fees and applicable GST. |
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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. | Current schedule lists encashment fee as zero. Remaining foreign exchange is subject to RBI retention/refund rules after return to India. |
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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. | 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. |
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