YES BANK Multi Currency Travel Card vs AU Small Finance Bank Multi-Currency Forex Card

Forex & prepaid travel card comparison

YES BANK Multi Currency Travel Card vs AU Small Finance Bank Multi-Currency Forex Card

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026

YES BANKYES BANK Multi Currency Travel Card

YES BANK customers or travellers who specifically want the bank's multi-currency prepaid card and are willing to confirm the current replacement/new-issuance state at a branch before travel.

Cost / pricing: YES BANK's current migration page points customers to the applicable schedule and replacement process. A separate current BookMyForex co-branded schedule publishes zero standard issuance/reload/refund, 3.5% cross-currency markup and currency-specific ATM fees; those partner-card economics are kept distinct from older legacy MCTC tariffs.
Reviewed: September 10, 2026
Evidence: 4 bank sources

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AU Small Finance BankAU Small Finance Bank Multi-Currency Forex Card

AU account holders who want a newer six-currency Mastercard travel card with transparent load/reload/refund fees and self-service e-commerce/contactless controls.

Cost / pricing: Current schedule lists ₹150 load/issuance fee, ₹100 reload, ₹100 refund, ₹100 replacement, 3.5% cross-currency markup and 2% wallet-to-wallet transfer, plus currency-specific ATM fees.
Reviewed: September 10, 2026
Evidence: 2 bank sources

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bankingreference.info · Comparison research sheet

YES BANK Multi Currency Travel Card vs AU Small Finance Bank Multi-Currency Forex Card

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/yes-bank-multicurrency-travel-card-vs-au-multicurrency-forex-card/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

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YES BANK Multi Currency Travel Card

Source review: September 10, 2026
Maintenance: Source recheck advised

4 attached sources. A review date is not a guarantee that terms have stayed unchanged.

Recorded product state: Active Transition. Verify availability before proceeding.

Open primary source · Full product research and sources

AU Small Finance Bank Multi-Currency Forex Card

Source review: September 10, 2026
Maintenance: Within the scheduled review window

2 attached sources. A review date is not a guarantee that terms have stayed unchanged.

Open primary source · Full product research and sources

01Do the currency wallets and loading route fit your trip?Check wallet coverage and load/reload conditions for the named prepaid card.

YES BANK Multi Currency Travel Card

Currencies / wallet format: Current YES BANK Visa MCTC material lists up to 14 wallets: USD, GBP, EUR, CAD, AUD, SGD, AED, JPY, SAR, THB, CHF, ZAR, NZD and HKD. Current BookMyForex card material also uses a 14-wallet authorization structure.
Load / reload: Reloadable subject to FEMA limits. Exact fee depends on the live card programme: current BookMyForex standard schedule lists ₹0 reload while older legacy MCTC material lists ₹100; these are deliberately not merged.

AU Small Finance Bank Multi-Currency Forex Card

Currencies / wallet format: Mastercard prepaid card supporting six wallets: CAD, EUR, GBP, AED, USD and JPY.
Load / reload: Minimum load USD 100 equivalent. Reload online through the customer portal or at servicing branches; current reload fee ₹100 plus taxes.

02Which conversion rules apply to the payment currency?Distinguish the loaded rate, cross-currency use and wallet conversion without deriving a combined cost.

YES BANK Multi Currency Travel Card

Exchange rate: YES BANK states the final applicable card rate is the rate prevailing at transaction/processing and may differ from displayed website rates. Conversion from one wallet/currency to another follows the applicable card/programme rate.
Cross-currency: Current BookMyForex schedule lists 3.5% cross-currency markup. Older legacy MCTC schedule shows 2.75%, so the rate must be tied to the actual issued/replacement card programme.
Wallet conversion: Card uses a defined currency-authorization order when matching wallet funds are insufficient. Cross-currency conversion applies and partial aggregation across multiple insufficient wallets is not allowed.

AU Small Finance Bank Multi-Currency Forex Card

Exchange rate: 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.
Cross-currency: 3.5% markup when transaction currency differs from the funded wallet/cross-currency conversion is required.
Wallet conversion: 2% of transfer amount for wallet-to-wallet transfer under the current schedule.

03What fees and closure conditions remain?Check service fees and unused-balance refund or closure treatment.

YES BANK Multi Currency Travel Card

Fees: Programme-specific. Current BookMyForex standard schedule: ₹0 issuance/reload/refund, 3.5% cross-currency, ₹250 India replacement and ₹3,000 overseas replacement; older legacy YES MCTC has different fees.
Refund / closure: Current migration page provides branch support for card balance/status. BookMyForex standard schedule lists ₹0 refund fee, while legacy MCTC terms historically differed.

AU Small Finance Bank Multi-Currency Forex Card

Fees: ₹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.
Refund / closure: 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.

Other maintained comparisons for YES BANK Multi Currency Travel Card Other maintained comparisons for AU Small Finance Bank Multi-Currency Forex Card

Exact terms

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Banking product terms side by side for YES BANK Multi Currency Travel Card and AU Small Finance Bank Multi-Currency Forex Card
Decision factor	YES BANK Multi Currency Travel Card	AU Small Finance Bank Multi-Currency Forex Card
Issuance / reload / travel-card costs	YES BANK's current migration page points customers to the applicable schedule and replacement process. A separate current BookMyForex co-branded schedule publishes zero standard issuance/reload/refund, 3.5% cross-currency markup and currency-specific ATM fees; those partner-card economics are kept distinct from older legacy MCTC tariffs.	Current schedule lists ₹150 load/issuance fee, ₹100 reload, ₹100 refund, ₹100 replacement, 3.5% cross-currency markup and 2% wallet-to-wallet transfer, plus currency-specific ATM fees.
Loaded currency wallets	Multi-currency prepaid balances. YES BANK's current Visa MCTC material lists up to 14 currency wallets, while migration/replacement status now controls continued usability of older cards.	Up to six wallets: CAD, EUR, GBP, AED, USD and JPY. Minimum initial load is USD 100 equivalent and aggregate load is subject to the USD 250,000-equivalent LRS ceiling.
Forex-card capabilities	Up to 14 currencies, overseas Visa acceptance, branch issuance/replacement, wallet-priority processing, load/reload, transaction statements/support and replacement-card migration during the current system upgrade.	Six currency wallets, locked-in load-time exchange rate, Mastercard acceptance, online/branch reload, customer portal controls, emergency cash assistance and card insurance/support resources.
ATM / load / usage limits	Currency-specific ATM/POS ceilings are published in card schedules, but v1.53 keeps BookMyForex-card limits separate from the legacy MCTC schedule and does not merge them into one universal YES BANK limit.	Current product page states USD 5,000 equivalent daily ATM and USD 10,000 equivalent daily POS/e-commerce limits across wallets, subject to local ATM/network limits.
Traveller / KYC eligibility	International travellers subject to KYC/passport/travel/FEMA documentation. Current migration page says new customers planning overseas travel can visit YES BANK branches with KYC documents.	Indian nationals travelling abroad and foreign nationals residing in India who maintain an AU Small Finance Bank account; NRI/NRE/NRO and non-KYC-compliant customers are excluded under the reviewed product rules.
Prepaid card / funding / regulatory relationship	YES BANK prepaid travel-card relationship currently in a migration/replacement state. BookMyForex co-branded card terms and older YES BANK Visa MCTC terms are related but not interchangeable.	Standalone AU prepaid forex card funded through an AU account. It is separate from AU debit/credit-card international usage.

Forex-card detail

Compare wallets, loading and overseas-use economics.

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Type-specific banking comparison terms for YES BANK Multi Currency Travel Card and AU Small Finance Bank Multi-Currency Forex Card
Decision factor	YES BANK Multi Currency Travel Card	AU Small Finance Bank Multi-Currency Forex Card
Currencies / wallet format	Current YES BANK Visa MCTC material lists up to 14 wallets: USD, GBP, EUR, CAD, AUD, SGD, AED, JPY, SAR, THB, CHF, ZAR, NZD and HKD. Current BookMyForex card material also uses a 14-wallet authorization structure.	Mastercard prepaid card supporting six wallets: CAD, EUR, GBP, AED, USD and JPY.
Purchase eligibility	Travel-only prepaid product subject to branch KYC/passport/travel verification. Current migration page states existing holders can request replacement and new travellers can visit branches for a card.	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.
Load / reload	Reloadable subject to FEMA limits. Exact fee depends on the live card programme: current BookMyForex standard schedule lists ₹0 reload while older legacy MCTC material lists ₹100; these are deliberately not merged.	Minimum load USD 100 equivalent. Reload online through the customer portal or at servicing branches; current reload fee ₹100 plus taxes.
Exchange rate	YES BANK states the final applicable card rate is the rate prevailing at transaction/processing and may differ from displayed website rates. Conversion from one wallet/currency to another follows the applicable card/programme rate.	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.
ATM cash	Currency-specific ATM fees and limits apply. Current BookMyForex schedule, for example, lists USD 2 ATM withdrawal and USD 1 balance enquiry with USD 1,000 daily ATM ceiling; legacy MCTC schedules differ.	Currency-specific ATM fees apply; current overall daily ATM ceiling is USD 5,000 equivalent, with local ATM-owner surcharges/limits potentially additional.
POS / e-commerce	Designed for overseas POS/e-commerce/ATM use. BookMyForex FAQs describe wallet-priority authorization and decline where no single wallet has sufficient funds; DCC usage should be avoided.	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.
Cross-currency	Current BookMyForex schedule lists 3.5% cross-currency markup. Older legacy MCTC schedule shows 2.75%, so the rate must be tied to the actual issued/replacement card programme.	3.5% markup when transaction currency differs from the funded wallet/cross-currency conversion is required.
Wallet conversion	Card uses a defined currency-authorization order when matching wallet funds are insufficient. Cross-currency conversion applies and partial aggregation across multiple insufficient wallets is not allowed.	2% of transfer amount for wallet-to-wallet transfer under the current schedule.
Fees	Programme-specific. Current BookMyForex standard schedule: ₹0 issuance/reload/refund, 3.5% cross-currency, ₹250 India replacement and ₹3,000 overseas replacement; older legacy YES MCTC has different fees.	₹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.
Refund / closure	Current migration page provides branch support for card balance/status. BookMyForex standard schedule lists ₹0 refund fee, while legacy MCTC terms historically differed.	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.
Replacement / emergency	Migration workflow specifically requires replacement for continued use of affected/legacy cards. Existing balances/details are transferred to the replacement card; replacement pricing depends on programme.	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.

Wrong-fit risks

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YES BANK

YES BANK Multi Currency Travel Card

Legacy Multi Currency Travel Cards are being deactivated as part of a system upgrade; existing users are directed to obtain a replacement card.
A February 2026 security incident affected specific BookMyForex prepaid-forex-card BINs; YES BANK restricted transactions from the affected geography and pursued chargebacks.
Do not combine the current BookMyForex zero-fee schedule with the older legacy MCTC ₹125/₹100/₹75 fee schedule as if both apply to the same card state.

AU Small Finance Bank

AU Small Finance Bank Multi-Currency Forex Card

An AU account is currently required to obtain the card.
Cross-currency usage costs 3.5% and wallet-to-wallet transfer costs 2%, so loading the correct destination wallet matters.
E-commerce and contactless are disabled by default and must be enabled before use through the customer portal or servicing branch.

Research tools

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Independent source state

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YES BANK

YES BANK Multi Currency Travel Card

Reviewed: September 10, 2026
Attached first-party sources: 4

Open primary bank source ↗

AU Small Finance Bank

AU Small Finance Bank Multi-Currency Forex Card

Reviewed: September 10, 2026
Attached first-party sources: 2

Open primary bank source ↗

Methodology Research status More banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

YES BANK Multi Currency Travel Card

Reviewed September 10, 2026 · 4 attached first-party sources

Issuer product pagehttps://www.yes.bank.in/personal-banking/yes-individual/cards/prepaid-cards/multi-currency-travel-card
Issuer product pagehttps://www.yes.bank.in/personal-banking/yes-individual/cards/mctc-card/visa
Fee / charge schedulehttps://www.yes.bank.in/content/published/api/v1.1/assets/CONT2993B3BE4C4E4FC68A10589862A15F1D/native/ybl_bmf_schedule_of_charges.pdf
Issuer documenthttps://www.yes.bank.in/content/published/api/v1.1/assets/CONTD1324AA984F24AD98FFBBAFAD6F359A0/native/ybl_bookmyforex_faqs.pdf

AU Small Finance Bank Multi-Currency Forex Card

Reviewed September 10, 2026 · 2 attached first-party sources

Issuer product pagehttps://www.au.bank.in/personal-banking/forex-card
Issuer documenthttps://www.au.bank.in/pdfs/press-release/2025/au-small-finance-bank-launches-au-multi-currency-forex-card-in-collaboration-with-mastercard---8th-october-2025.pdf