Transactions can be carried out anywhere across the globe using your Forex Card in any currency. A cross currency mark-up would be charged against the transaction amount. Forex Cards can be applied from any of the Standard Chartered branches across India. Alternatively, you can also reach out to your Relationship Manager to apply for a Forex Card.

If you want to apply for an HDFC Forex Card, these are some steps you need to follow.

You can contact Phone Banking or write to us or visit any nearest Standard Chartered branch. You can visit www. You need to write a mail to bankclaims hdfcergo. The Forex Card is pre-activated to perform Ecommerce transactions once it is loaded with the currency required but you need to ensure that you have completed the first time login process for Customer Portal since the IPIN Customer Portal password is required as the second factor to authenticate such transactions.

IPIN is required as a second factor to authenticate Ecommerce transactions. The respective card numbers will be printed on the PINs. Multi-Currency Forex card is a complete solution to all your Forex needs. This card can support up to 20 currencies. Same card can be used across the globe. When you perform a payment transaction, the debit would take place on the priority as per the grid provided below,. Scenario 1 — If you have sufficient balance in local currency depending on country of transaction then the transaction will be processed using the local currency balances.

Scenario 2 — If the local currency is part of the offered multiple currencies on the card but you do not have sufficient balance in the local currency, however if the you have sufficient balance equivalent to local currency in default currency USD then the transaction will be processed using the balances in the default currency. Value from the default currency will be converted to local currency using cross currency conversion rate decided by the Bank. This rate will be calculated with a markup on the IBR cross currency rate. Scenario 3 — If the local currency is part of the offered multiple currencies on the card but you do not have sufficient balance in local currency as well as default currency USD however if the you have sufficient balance equivalent to local currency in any other currency then the transaction will be processed using the balances from the respective currency.

The card will look for balances across all the currencies in following order of priority as decided by the Bank,. USD 2. GBP 3. EUR 4. SGD 5. AUD 6. CAD 7.

JPY 8. CHF 9.

HKD NZD THB ZAR SEK NOK DKK AED BHD KWD OMR Scenario 4 — If you transact in currency which is not offered on the card, the transaction will be processed by debiting default currency USD. Cross currency conversion would take place as per applicable rates. Partial transactions in different currencies are not allowed. If you do not have sufficient balance to process the transactions individually in any of the currencies available on your card, the transaction is declined even if the collective balances on the card across all currencies is sufficient to process the transaction.

Else the amount needs to be refunded within days from the date of arrival. This is as per RBI guidelines. To cancel your Forex Card, we request you visit your nearest Standard Chartered Bank branch and place a request towards cancellation of the card. Your request will be processed within one working day of us receiving the request and the available balance on the card will be refunded back to your account. There are no charges towards the cancellation of your Card.

However, currency conversion charges as applicable from time to time will be deducted at the time of providing credit to you. You can utilise any amount, up to the value loaded on the Forex card at any POS terminal. In such cases, you might need to do multiple transactions if you want to withdraw any amount higher than that allowed in one transaction.

Your Forex Card can be reloaded multiple times in future till the card gets expired. If you are abroad then you can use the online reload facility through the customer portal. The request will be processed within 1 working day. You can submit online reload request using the Customer Portal. You can see only those currencies on the customer portal which you had requested the branch to load on your card.

Once you place the request, you will see an acknowledgement page. This is a confirmation that your request has been placed. In case your card gets lost or stolen, all you have to do is call Phone Banking immediately and report the loss of your card. This facility is available 24 hrs on all days. You can request Phone Banking to activate your backup card. Once the backup card is activated, all the funds from your primary card will be transferred automatically and instantly to the backup card.

If your Card has expired before all funds have been utilised, you can contact Phone Banking or any of our Standard Chartered Bank branch for placing a refund request of the unutilised balance. In case you wish you get a replacement card, you can place a request at any of our Standard Chartered Bank branch. The card has inbuilt intelligence to process the transaction if there is sufficient fund in any of the available currencies to authorize the transaction. If there is no sufficient balance in the transaction currency, the payment is processed by debiting the currency with sufficient balance.

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In such cases, it is advisable to leave necessary documents with them so that they can reload your card. Compared to other options such as traveller's cheque, credit or debit card, Forex cards are convenient and cost-effective.

Many places do not accept traveller's cheque, plus you are charged a fee for encashment. With a Forex card, you can easily shop and pay your bills as these cards are accepted everywhere. Reload your Indus Multicurrency Forex Card online for your next trip! X Error!!!

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