Planning an international trip for studies, work, or vacation? An HDFC Forex Card is a prepaid travel card that lets you carry foreign currency safely and spend abroad without worrying about daily exchange rate changes.
Below is a simple, step-by-step guide to help you understand how the HDFC Forex Card works, its benefits, fees, and how to apply.
Quick Summary
- Type: Prepaid international travel card
- Currencies supported: Single-currency & multi-currency options
- Usage: ATM withdrawals, POS swipes, online international payments
- Security: PIN-protected, chip-enabled
- Ideal for: Students, tourists, business travellers
What Is an HDFC Forex Card?
An HDFC Forex Card is a prepaid card loaded with foreign currency before travel. You can use it just like a debit card outside India—at ATMs, shops, hotels, and websites that accept international cards.
Since it’s prepaid, you spend only what you load, helping you manage travel expenses better.
Types of HDFC Forex Cards
1. Single Currency Forex Card
- Loaded with one foreign currency (USD, GBP, EUR, etc.)
- Best if you’re travelling to one country
2. Multi-Currency ForexPlus Card
- Supports multiple currencies on one card
- Useful if visiting multiple countries
- Auto-deducts the local currency balance
Currency availability may vary. Check at the time of application.
Key Benefits of HDFC Forex Card
- Safer than cash – PIN & chip security
- Locked-in exchange rate at the time of loading
- Accepted worldwide (Visa/Mastercard network)
- Online reload facility
- Easy expense tracking via statements
- Not linked to your savings account
How to Apply for an HDFC Forex Card
Online / Branch Method
- Visit the HDFC Bank website or nearest branch
- Choose Forex Card type & currency
- Submit documents:
- PAN card
- Passport
- Visa (if required)
- Air ticket / travel proof
- Load the desired foreign currency
- Collect the card or opt for delivery
Fees & Charges (Indicative)
| Charge Type | Details |
|---|---|
| Card issuance | One-time (varies by card type) |
| Reload fee | May apply |
| ATM withdrawal abroad | Charged per transaction |
| Inactivity fee | If unused for long period |
| Card replacement | Applicable if lost |
Exact charges may vary. Always check the fee sheet before applying.
How to Reload HDFC Forex Card
- Via HDFC NetBanking
- Through branch visit
- Using mobile banking app (if enabled)
Reloads are usually processed quickly, subject to forex rules.
FAQs
Q1. Can I use HDFC Forex Card in India?
A. No. It is meant only for international usage.
Q2. What happens if the card is lost abroad?
A. You can block the card immediately via customer care and request a replacement or emergency cash, depending on location.
Q3. Is an HDFC savings account mandatory?
A. Not always. Both HDFC and non-HDFC customers may apply, subject to verification.
Q4. Can students apply for HDFC Forex Card?
A. Yes. It’s widely used by students going abroad for education.
Security Tips
- Memorise your ATM PIN and never share it
- Enable SMS/email alerts
- Keep customer care numbers handy
- Report loss immediately to avoid misuse
Conclusion
An HDFC Forex Card is a smart and secure way to manage international spending in 2026. With fixed exchange rates, global acceptance, and strong security, it’s a preferred choice for travellers and students alike.
