How to Apply for HDFC Forex Card Online Easily

Navigating international travel, education, or business often demands more than just a passport—it requires seamless access to foreign currency and secure financial tools. The HDFC Forex Card provides a reliable solution for those looking to manage multiple currencies efficiently while abroad. With a focus on simplicity, speed, and online convenience, it eliminates the need for carrying cash or dealing with fluctuating exchange rates at physical counters. From students heading overseas to frequent flyers managing cross-border expenses, the demand for a smarter forex option has led many to explore how to apply for HDFC Forex Card online easily.

Understanding HDFC Forex Card Features

Managing international expenses starts with the right financial tool. The HDFC Forex Card stands out with its flexibility, multi-currency support, and efficient online services tailored for global travelers.

What Makes HDFC Forex Card Different from Other Travel Cards

  • Preloaded with major currencies like USD, EUR, GBP, AUD, and INR, avoiding daily conversion charges on foreign transactions

  • Real-time locking and unlocking via Mobile App enhances user control during travel

  • Advanced OTP and transaction alert system ensures higher security compared to traditional Travel Cards

  • Direct online access for reloading, balance check, and statement downloads

  • Availability of emergency cash assistance and card replacement when abroad

  • Accepted widely at international ATMs, POS machines, and for Online transfers

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Supported Currency Types on HDFC Forex Card (USD, EUR, GBP, etc.)

The HDFC Forex Card allows loading and usage in multiple international currencies, which significantly reduces Conversion rate losses. These include:

Currency TypeISO CodeRegions Most UsedDaily Conversion Benefits
US DollarUSDNorth America, CaribbeanHigh ATM withdrawal compatibility
EuroEUREurozone countriesSeamless POS payments in EU nations
British PoundGBPUnited KingdomNo extra Selling rate margins in UK
Japanese YenJPYJapanAvoids frequent Exchange rate volatility
Australian DollarAUDAustralia, Pacific IslandsLower Handling fees for direct usage
Canadian DollarCADCanadaIdeal for travel-based Currency exchange

The wide currency availability also helps in pre-trip planning and reduces dependency on currency notes or last-minute ATM Withdrawals abroad.

Daily and Monthly Transaction Limits on HDFC Forex Card

When planning foreign Remittance or Travel Card purchases, knowing the applicable limits is crucial.

  1. Daily ATM Withdrawal limits vary between INR 50,000 to INR 150,000 equivalent based on card type

  2. POS and Online transactions combined may be capped at up to INR 300,000 daily equivalent

  3. Monthly usage typically follows RBI norms for Liberalised Remittance Scheme (LRS), often pegged near USD 250,000

  4. Users can view real-time limits and remaining balances via Mobile app and Website dashboard

  5. Exceeding limits may result in temporary blocking and added Processing fees

These limits are especially relevant during peak travel seasons and for students managing tuition fee payments or accommodation deposits abroad.

HDFC Forex Card Online vs. Offline Activation Explained

The journey to activating the card presents two primary routes, each shaped by different user needs.

Online activation caters to tech-savvy users preferring speed and accessibility. Through the HDFC Bank Website or Mobile App, users complete the activation using secure login credentials, receiving instant confirmation and PIN setup options. This mode supports same-day currency loading with current Forex rates.

In contrast, offline activation occurs at the Branch or Counter, where users fill physical forms and submit ID proof. While this offers in-person guidance, it often involves longer Processing time, potential Commission costs, and handling delays. Offline activation is preferred in cases involving Foreign draft issuance or immediate Withdrawal planning where digital tools are not accessible.

Digital readiness and transaction urgency often decide which path a user chooses, though the bank increasingly encourages Online pathways to streamline operations and reduce Service charges.

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HDFC Forex Card Application Process

Applying for an HDFC Forex Card online simplifies currency management for international travelers. The process is tailored to support real-time activation, multiple currency types, and seamless Forex services from anywhere.

Step-by-Step: How to Apply for HDFC Forex Card Online Easily

<step 1> Visit the HDFC Bank Website or open the Mobile App
<step 2> Navigate to the ‘Forex’ section and choose the desired Travel card
<step 3> Select your preferred currency type (USD, EUR, GBP, AUD, JPY, etc.) and card variant
<step 4> Complete the KYC verification digitally by uploading valid ID and address proof
<step 5> Pay the required Processing fee using NetBanking or UPI
<step 6> Receive confirmation, card dispatch, and track the delivery timeline via SMS/email
<step 7> On delivery, set your PIN online and activate the card for immediate Currency exchange or International Withdrawal

This flow is designed to eliminate the need for a Branch or Counter visit and aligns with users' Daily forex needs and Conversion rate sensitivity.

Required Documents and KYC Guidelines for Forex Card Application

Foreign currency handling demands strict adherence to RBI and HDFC’s compliance norms. These documents are mandatory:

  • Valid Passport (with at least six months validity)

  • Confirmed Travel Ticket or Visa

  • PAN Card copy

  • Recent Passport-size Photograph

  • Proof of Address: Aadhaar, Voter ID, or Utility Bill

  • Self-declaration for travel purpose (Education, Leisure, Business)

KYC approval typically happens within 24 hours. Delays often stem from unverified documents or mismatched INR and forex account details. Applications without confirmed travel intent or with incomplete ID verification are automatically rejected under Current compliance policies.

Choosing the Right Forex Card Variant: Regalia, Multicurrency, ISIC

Different travel needs demand different Forex Card configurations. Choosing the wrong one can lead to increased Commission costs and suboptimal forex experience.

Card VariantIdeal ForSupported CurrenciesKey Benefits
Regalia ForexFrequent Flyers & Business ClassUSD, EUR, GBP, SGD, AUDLounge Access, Higher ATM Withdrawal Limit
MulticurrencyGeneral Travelers & Tourists20+ currencies incl. JPY, CAD, NZDDynamic Currency Conversion
ISIC Forex CardStudents going abroadINR, EUR, GBP, USDStudent Benefits, Fee Discounts, ISIC ID included

Select based on your Transaction Type needs like Online Transfer, Travel card use, and preferred Withdrawal limits across locations.

Mobile App vs. Website: Best Online Method for Forex Card Application

Both the HDFC Mobile App and Website support end-to-end Forex card application. The better option depends on user context.

The Mobile App excels for on-the-go applications, allowing real-time KYC updates, Forex rate monitoring, and instant Payment. Push notifications simplify the process, making it ideal for those with limited access to desktop systems. The interface also supports quick Uploads and Transaction history review.

The Website offers a more expansive view with detailed comparisons across Travel card variants. It allows seamless document downloads, Rate charts, and secure OTP-based confirmation. Those needing Foreign draft integration or Currency notes planning may find the Website layout more reliable.

Ultimately, both platforms are integrated with real-time Forex Service channels, ensuring the Application Process remains smooth, no matter the location or device.

Common Mistakes to Avoid During Online Application

  • Submitting blurred or expired passport copies delays verification

  • Entering mismatched PAN details and travel documents leads to rejection

  • Ignoring daily Forex rate fluctuations before loading the card can increase Transaction fee exposure

  • Selecting the wrong card type for long-term educational Remittance or multi-destination travel results in excessive Conversion fees

  • Choosing only INR instead of supported currencies like USD, EUR, CAD, and AUD limits usability abroad

  • Skipping the online activation step means delays in accessing Currency exchange or Online transfer services

Each oversight, while common, introduces unnecessary Processing delays and often higher Service charges. Planning ahead and reviewing HDFC Forex criteria ensures a successful application.

Managing and Reloading Your HDFC Forex Card

Effective card management ensures uninterrupted access to foreign currency across time zones. From monitoring Forex rates to understanding reload limits, users of the HDFC Forex Card gain full control through digital tools.

How to Reload HDFC Forex Card Instantly Using NetBanking

Reloading your HDFC Forex Card using NetBanking is fast and aligned with real-time Conversion rates and Transaction fee visibility.

  1. Log in to HDFC NetBanking using customer ID and password

  2. Go to 'Cards' and select the 'Forex Card' option

  3. Click on 'Reload Forex Card' and choose currency type (USD, GBP, AUD, etc.)

  4. Enter the desired amount and select source account (usually INR)

  5. Review Exchange rate and applicable Processing fees

  6. Confirm using OTP authentication

  7. Receive confirmation of reload and card balance update

This process supports both Daily and Monthly reload needs, without the need to visit a Branch or ATM.

Viewing Forex Rate Before You Reload: Why It Matters

Before every reload, checking the Forex rate is not just smart—it’s strategic. The Buying rate and Selling rate can fluctuate multiple times a day, especially for popular currency types like EUR, GBP, or CAD.

A minor dip in the Exchange rate for USD can mean noticeable savings, especially when the Remittance amount is high. Whether you’re a student preparing a Monthly reload or a traveler planning for Daily expenses, timely awareness allows you to delay a reload by a few hours and avoid unnecessary losses.

Mobile App widgets now display real-time Forex rates. Users should enable push alerts to stay informed about sudden upward or downward rate movements.

Reload Charges, Processing Fees, and Service Tax

Understanding cost implications during reloading helps avoid hidden surprises. Fees are typically structured based on the mode of reload, currency type, and amount involved.

Fee TypeDescriptionTypical Range
Processing FeeApplies on each reload transactionINR 100 – INR 500
GST/Service TaxAdded to the Processing Fee at standard government rates18% of Processing fee
Currency Mark-upHidden in the Conversion rate during reloadVaries by Forex rate volatility
Handling ChargesIf done through Branch or physical form reloadINR 200 – INR 300 per instance

Online reloads via NetBanking or Mobile App tend to be more cost-efficient, as they eliminate Branch Handling fees and offer better real-time Forex rate transparency.

Monthly Limits on Reload and Usage: What You Should Know

The Liberalised Remittance Scheme (LRS) by RBI sets the tone for overall Forex spending. HDFC Forex Card operates under these norms, setting Monthly ceilings on both reloading and outward foreign spending.

  • Maximum yearly Remittance: USD 250,000 (can be allocated Monthly or Quarterly)

  • Daily Withdrawal limits at ATM: Often INR 150,000 or equivalent in JPY, AUD, EUR, etc.

  • Daily POS/Online usage limits: May reach INR 300,000 equivalent

  • Reload caps can depend on user profile and card variant

  • Monthly usage notifications via SMS help avoid overspending

Awareness of these limits protects users from regulatory violations and excessive Forex rate losses due to frequent small reloads.

Mobile Notifications for Forex Reload and Transaction History

The HDFC Mobile App is designed to reduce the need for logging in manually every time. Users benefit from automated, real-time notifications on:

  • Daily Forex card Reload confirmations

  • Weekly statements covering Online transfers, POS usage, and ATM Withdrawals

  • Real-time alerts for failed or duplicate transactions

  • Exchange rate fluctuation alerts across currency types (USD, SGD, NZD, GBP)

  • Reminder prompts for low balances and upcoming reload deadlines

These alerts are enabled by default and can be customized based on user activity, transaction volume, or selected Forex Service preferences.

Troubleshooting Failed Reload Transactions

Occasional failures during Forex reloads are usually caused by system lags, compliance flags, or network issues. When a reload fails, the user typically receives a pending status on both the Website and Mobile App.

If the amount is debited but not reflected:

  • Wait for 30 minutes for the transaction to auto-reverse

  • Check Transaction history in the Mobile App for confirmation

  • Verify Forex rate freeze time hasn’t expired

  • If unresolved, contact HDFC Forex customer support via 24x7 helpline

  • Provide Transaction ID and Currency type used for faster resolution

Common fixes include resubmitting the reload request during non-peak hours, switching networks, or updating KYC if flagged. In cases involving foreign currencies like JPY, CHF, or NZD, backend verification may delay Processing due to Exchange rate dependencies.

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HDFC Forex Card Usage Abroad

International usability is where the HDFC Forex Card proves its strength. From real-time Conversion to managing Exchange rates abroad, this tool is built for smart spending across borders.

Currency Conversion: Understanding Exchange and Conversion Rates Abroad

Currency Conversion impacts how much value you get with every transaction. When using an HDFC Forex Card in locations like the US, Japan, or Europe, the difference between the Exchange rate and the Conversion rate directly affects your total spend.

The Forex rate you see when loading USD or GBP into the card is often different from what applies during a Withdrawal or POS transaction abroad. This is due to:

  • Time Period volatility, such as Daily or Weekly Exchange rate shifts

  • Location-specific markups at ATMs or counters

  • Financial Rate spreads set by HDFC’s currency partners

  • Currency mismatch between the loaded wallet and the transaction currency

For example, using a USD-loaded card for a purchase in AUD may lead to a dual Conversion and an adjusted Selling rate, increasing the overall cost. It’s recommended to load currencies based on your travel route to minimize unnecessary rate impact.

How to Withdraw Money from ATMs Using HDFC Forex Card in Foreign Countries

Foreign ATMs are essential access points for quick cash in the local currency, especially when merchants don’t accept cards. Here's how to use your HDFC Forex Card for Withdrawals:

  1. Insert the card at any Visa/Mastercard-supported ATM abroad

  2. Choose the 'Checking Account' or 'Current Account' option

  3. Enter your 4-digit PIN securely

  4. Select Withdrawal and input the desired amount (in local currency)

  5. Confirm the transaction and collect both cash and printed receipt

  6. Monitor your Mobile app for real-time balance and Forex Service charges

RegionLocal CurrencyMax Withdrawal LimitAverage ATM FeePreferred Currency Type on Card
United StatesUSDUSD 500USD 2.5 – 4.5USD
Europe (EU Zone)EUREUR 300 – 500EUR 2 – 3EUR
JapanJPYJPY 20,000 – 40,000JPY 250 – 400JPY
AustraliaAUDAUD 300AUD 2 – 5AUD
CanadaCADCAD 300 – 500CAD 2 – 4CAD

ATM usage abroad is subject to both local bank Commission and HDFC’s own Handling fee, so it’s ideal to make fewer, higher-value Withdrawals rather than frequent small ones.

Avoiding Extra Charges During Overseas Transactions

Overspending abroad often happens not because of what you buy, but how you pay. Using an HDFC Forex Card without understanding fee layers can result in hidden losses.

  • Avoid dynamic currency conversion at foreign merchants; it uses a non-preferred Exchange rate

  • Use the card only in locations that support your loaded currency to skip dual Conversion rate markup

  • Check for ATM logos that align with Visa/Mastercard to prevent added Network fees

  • Don’t use the Forex card for online platforms billed in INR; it may trigger cross-border Service charges

  • Track Daily spend via the HDFC Mobile App to identify unnecessary charges in real-time

  • Refrain from frequent micro-Withdrawals at ATMs; every Withdrawal incurs a fixed Transaction fee

With proper planning, users can save significantly over the Monthly course of international travel or education. Matching usage strategy to financial norms across countries (GBP in the UK, SGD in Singapore) delivers better value from every rupee spent.

Security, Lost Card & Support System

Financial protection while traveling is essential. The HDFC Forex Card offers built-in security measures, emergency protocols, and a global support system to help users maintain confidence across borders.

What to Do If You Lose Your HDFC Forex Card Overseas

Losing a Forex Card during an international trip can disrupt your access to funds. Immediate action helps prevent misuse and ensures a smooth recovery.

  • Call the 24x7 HDFC Bank helpline to report card loss

  • Block the card instantly via Mobile App or Website login

  • Provide your Customer ID and details of last known Transaction

  • Request a Replacement card at your travel Location (if eligible)

  • In case of urgency, opt for Emergency Cash Assistance

  • File a police complaint if required by local authorities

  • Monitor Daily Forex rate activity in case of misuse

Acting quickly helps prevent unauthorised Withdrawals, limits Currency Conversion loss, and ensures your trip continues with minimal interruption.

Emergency Assistance and Card Replacement Services

When a card is lost or stolen overseas, access to funds becomes an immediate priority. HDFC offers a structured support system that ensures minimal downtime.

Once reported, a temporary freeze is placed on all Transaction types. The customer can then initiate a request for either Emergency Cash or a full card Replacement depending on their location and service availability.

Emergency Cash can be arranged via international tie-ups with Mastercard/Visa partners, often delivered through a local Branch or authorized Counter. Replacement cards can be shipped to select countries within 3–5 business days. Processing fees, Handling fees, and additional Courier charges may apply based on the region.

Coverage extends across major Currency types including USD, EUR, GBP, AUD, and SGD, with support for both Travel card and Online transfer use cases.

Locking and Unlocking HDFC Forex Card via Mobile App

Security flexibility matters when accessing Currency exchange tools across multiple time zones. HDFC’s Mobile App provides full control over card status through a simple interface.

<step 1> Log in using your Customer ID or biometrics
<step 2> Navigate to the 'Cards' tab and select your Forex Card
<step 3> Tap on the 'Manage Card' option
<step 4> Choose ‘Lock Card’ to immediately block all transactions
<step 5> Unlock the card using the same tab once you're ready

Benefits include:

  • Instant lock for unauthorized Withdrawals or POS usage

  • Control across multiple Transaction types (Online, ATM, POS)

  • Prevention of excessive Conversion rate loss due to fraud

  • Compatibility with both Android and iOS platforms

These features reduce Service charges from disputed transactions and add a buffer layer of defense for users accessing money in high-risk zones.

24x7 Customer Support for Forex Card Issues

Travel doesn’t stick to office hours—and neither should financial support. HDFC Forex Card users can rely on round-the-clock assistance for card-specific challenges abroad.

Support ChannelAvailabilityUse Case ExamplesCurrency Help Provided
Phone Helpline24x7 DailyCard loss, Blocking, Balance checksUSD, EUR, JPY, GBP, INR
Mobile App Chat8 AM – 8 PM ISTReal-time guidance, Forex rate info, Reload supportUSD, AUD, CAD, SGD
Email Support48-hour turnaroundTransaction disputes, Processing fee clarificationsAll supported currencies
Overseas HotlineCountry-specificOn-ground support, Emergency replacement instructionsBased on travel region

Multilingual support ensures travelers can communicate clearly. Most queries related to Transaction fee refunds, Conversion rate errors, and card reactivation are resolved within 24–72 hours.

Transaction Alerts, OTP Security, and Real-Time Monitoring

Digital security features help you maintain full visibility over your Forex Card’s activity. Real-time alerts across all channels are automatically activated after card issuance.

  • SMS notifications for every Buy, Withdrawal, or Transfer attempt

  • Mobile App push alerts for high-value foreign transactions

  • OTP-based confirmation for Online transfer or POS above INR thresholds

  • Alerts across multiple Time Period filters: Daily summaries, Weekly updates

  • Automatic reminders before Monthly reload limits are reached

  • Email alerts summarising forex rate fluctuations in EUR, JPY, AUD

Combined, these layers make unauthorized transactions almost impossible to go unnoticed. Whether in an ATM in Canada or a hotel in Japan, real-time monitoring keeps users in control of every currency movement.

Comparative & Value-Added Insights

Choosing the right travel card depends on comparing usability, fees, and added benefits. For international travelers, HDFC Forex offers unique advantages when examined beside its peers and promotional value enhancements.

HDFC Forex Card vs. SBI Forex Card vs. ICICI Forex Card

A comparative view of India's leading forex travel card options reveals key differences in fees, currency types, and online convenience.

FeatureHDFC Forex CardSBI Forex CardICICI Forex Card
Supported CurrenciesUSD, EUR, GBP, JPY, AUD, CAD, SGD, NZDUSD, EUR, GBP, AUDUSD, EUR, GBP, SGD, AED, JPY
Application ModeOnline, Mobile AppBranch Visit, Limited OnlineFull Online, Branch
Reload MethodNetBanking, UPI, Mobile AppBranch OnlyiMobile App, NetBanking
Forex Rate Lock-inYes (Real-time)Yes (but with delay)Yes
Emergency Card ReplacementAvailable InternationallyLimited to Select CountriesAvailable
Typical Processing FeeINR 150–300INR 200–500INR 250–350
Mobile Alerts and Rate TrackingYes (Instant via App)SMS OnlyYes

HDFC’s wider currency spread, real-time Mobile features, and better Exchange rate visibility give it a practical edge for both students and business travelers.

Benefits of Using HDFC Forex for Frequent Flyers and Students

For travelers moving across multiple regions or international students managing tuition and housing costs, the HDFC Forex Card proves invaluable.

Students benefit from access to Currency types like USD, EUR, and GBP, reducing reliance on costly Conversion services near campus. Fee payments via Online transfer are also simplified, with low Processing fees and optimized Forex rate structures.

Frequent flyers benefit from quick reloads on the Mobile app, bypassing the need for branch visits. Lounge access (via Regalia variant), higher Withdrawal limits, and instant Transaction alerts further suit fast-moving professionals.

In both cases, the real power lies in predictable rate control and immediate usage flexibility—two things critical when managing Daily or Monthly international spending.

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Seasonal Offers and Forex Cashback with HDFC Cards

For savvy users, value doesn’t stop at loading currencies. HDFC regularly introduces offers that enhance foreign spending efficiency through cashback and reward programs.

  • Yearly student onboarding offers with waived Handling fees and bonus INR credits

  • Cashback on foreign POS spends across categories like travel, fashion, and dining

  • Exclusive Remittance incentives during peak admission cycles in UK, Canada, and Australia

  • Cashback on Monthly reloads above certain thresholds (especially USD and EUR)

  • Partner discounts on hotel booking platforms and Currency exchange counters abroad

  • Limited-time Commission waivers during festive seasons and start-of-semester spikes

These programs, often location- or Time Period-specific, turn HDFC Forex into a high-yield travel companion.

Linking HDFC Forex Card with HDFC Bank Accounts for Better Control

Integration with existing HDFC savings or salary accounts offers seamless control over card-related transactions and forex budgeting. Users who link their bank account with the Forex Card gain several advantages:

  1. Direct Transfer and Reload with NetBanking

  2. Centralized Transaction history across INR and foreign Currency spend

  3. Easier access to Conversion rate tools and rate lock-in notifications

  4. Waivers on Processing fee for select Monthly reload thresholds

  5. Enhanced card blocking/unblocking through joint Mobile dashboard

More importantly, linked users can avoid unnecessary Deposit delays and track Usage in real-time. This level of synchronization improves user efficiency across Daily and Weekly Forex Service needs, especially when switching between INR and other currency balances.

Conclusion

Mastering foreign currency management doesn’t need to be complex, especially with the growing accessibility of online financial services. The ability to apply for HDFC Forex Card online easily has transformed how travelers, students, and global professionals prepare for international journeys. From application to reloading, from using it overseas to staying protected with security features, the HDFC Forex Card covers every step of global financial readiness. Users gain the freedom to handle currency exchange, track conversion rates, manage their transaction fees, and access foreign currency across multiple locations—all without stepping into a branch. Choosing HDFC Forex is not just about carrying a travel card; it’s about gaining control over every rupee exchanged beyond borders.

What currencies can I load onto my HDFC Forex Card?
  • You can load multiple major international currencies, such as USD, EUR, GBP, AUD, and JPY, depending on the card type. The multicurrency variant supports more than 20 global currencies.

How do I apply for HDFC Forex Card online easily without visiting a branch?
  • Visit the official HDFC Bank website or use the mobile banking app to apply.

    • Fill out the digital application form

    • Upload your KYC documents

    • Select your preferred currency type

    • Make payment through NetBanking or UPI

What are the transaction fee types associated with HDFC Forex Cards?
  • Different transaction-related charges may apply:

    • ATM withdrawal charges in foreign countries

    • Reloading fees for topping up the card

    • Inactivity charges if unused for a long time

    • Balance enquiry charges at non-HDFC ATMs

Can I use the HDFC Forex Card for online purchases in foreign currency?
  • Yes, the card works for international e-commerce purchases, provided the website accepts forex cards or prepaid travel cards as payment.

How do I check the conversion rate before reloading the card?
  • You can check real-time conversion rates via:

    • HDFC ForexPlus mobile app

    • NetBanking > Prepaid Cards section

    • Daily exchange rate updates on the bank’s website

What happens if I lose my HDFC Forex Card abroad?
  • Contact HDFC Bank’s 24x7 helpline immediately.

    • The card will be blocked instantly

    • A replacement card can be dispatched to your location

    • Emergency cash assistance is available in select countries

Is there a daily withdrawal limit on HDFC Forex Cards?
  • Yes, the limit varies based on card type and country-specific ATM rules. Most cards offer a daily withdrawal limit ranging from USD 300 to USD 2000 equivalent.

How does HDFC determine the buying rate and selling rate of foreign currencies?
  • Rates are influenced by the interbank market, real-time forex rate movements, and internal HDFC Bank benchmarks. These are updated daily and can fluctuate with global economic indicators.

Can I transfer remaining funds from my Forex Card back to my INR account?
  • Yes, HDFC Bank allows balance repatriation after trip completion.

    • Submit a refund request online or at a branch

    • Provide card details and identity proof

    • Amount is transferred after deduction of applicable service charge

Are there any offers or discounts on using the HDFC Forex Card for students?
  • Yes, HDFC often launches student-specific offers:

    • Zero issuance or processing fee during certain periods

    • Cashback on reloading or cross-border spends

    • Lower commission for education-related remittance payments