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Indus Multi Currency Card

Overview

Multi currency card overview

IndusInd Bank presents ‘Indus Multi Currency Card’, available in 8 currencies, on a single card, to make your travelling much easier and better.

Indus Multi Currency Card can load up to 8 currencies on a single card and has an embedded chip to store information in encrypted format. This card offers greater security and increased protection against counterfeiting and skimming.

Indus Multi Currency Card is a prepaid travel card that can be used at stores, ecommerce sites as well as at VISA ATMs abroad to get that country’s local currency. This Multi Currency Card makes all your transactions like cash withdrawal  at VISA / VISA PLUS ATM’s, online payments or purchases at merchant establishments in any currency, anywhere in the world more secure and hassle free.

Enjoy every moment of your International travel while we make you experience the power of money in its most convenient yet contemporary form. With a wide network of partners, Indus Multi Currency Card ensures your safety not only while travelling without excess foreign currency, but also from fluctuating market rates.

The card has inbuilt security feature which allows upto 12* transactions per day with daily card usage limit of Rs 500,000* equivalent, applicable for ATM withdrawals or merchant establishment.

The card details can be accessed from anywhere, anytime through our online portal. 

Say goodbye to the hassle of carrying different currencies, traveller’s cheques and all the more worry of losing cash!

 To access your card account online, please click here.

Features & Benefits

Multi currency card features & benefits

The Indus Multi Currency Card carries 8 different currencies and comes with an array of exciting features which have been tailor-made to ensure your comfort. So sit back and enjoy.

Convenience
  • US Dollar, Euro,Australian Dollar, Great Britain Pound, Singapore Dollar, Saudi Riyal, Canadian Dollar & Arab Emirate Dirham are all available on a same card.
  • You can set the priority of currencies to be debited in case of non-availability of funds in the local currency wallet. This currency priority is the preference which you select for debits in case of insufficient funds in respective wallets. For more details please refer to FAQs.
  • Accepted at over 28 million merchant establishments around the world that displays the VISA logo. Use your card across merchant categories, such as Stores, Hotels, Hospitals, Restaurants, Airlines, Petrol Pumps, etc. at no extra charge
  • Use your card to withdraw cash in the local currency of the country you are in. No need to stand in queues to purchase different currencies while in India or to exchange your Travelers Cheques at Money Changers abroad
  • With the Indus Multi Currency Card, you will never have to worry about fluctuating exchange rates or unexpected fees since you lock in your exchange rate when you load the card
  • Choice of single or paired card kit. Use the smart option of a paired card kit which equips you with an extra back-up card, in case your primary card is damaged/ lost / stolen
  • Easy and convenient card replacement
  • Easy Refund Processing - On your return to India, visit your nearest IndusInd Bank branch or authorised partner agent, request for a refund of the card balance and get an immediate refund on completion of documentation
Purchase and Loading
  • Get your Indus Multi Currency Card through any IndusInd Bank Branch.
  • Get Ready-to-Use Card Kit instantly!
  • Gives you the option to load & re-load multiple times
Account Tracking
  • Track your spends or check the balance of your Indus Multi Currency Card through our website.
  • Gives you the option to load & re-load multiple times
    • Every transaction information is provided on your registered mobile number/emai id instantly to prevent misuse.
    • Available balance on card provided after every transaction (In respective wallet currency).
  • Accounting made easy with periodic regular statements
Security & Safety

It is safe and the most suitable way of carrying Multiple Foreign Currency, which not only gives you a secured and hassle-free travel experience but also safeguards your travel expenses.

  • Load upto 8 currencies on a single card.
  • Secure cash withdrawal through ATMs
  • Secure online shopping
  • Instant SMS alerts after every transaction to track balance and transactions
  • Online access to track your spends and balances
  • Immediate hot-listing of card over the phone on1860-500-5004 (From India) or +91 22 6155 3100 (from outside India) , in case the card is lost/stolen
    • LOGIN PROCESS -  Access your Indus Multi Currency Forex Card from anywhere and anytime through our online portal.Use the online portal to enquire on your card balance & get details on the transaction history.to access your online account of your Indus Multi Currency Card, please visit https://forex.indusind.com/customer portal. Please register on the portal using your card number, expiry of card, CVV & Date of Birth. You may set a user id & password of your choice.
    • Registering for ‘Verified by Visa’ is a very simple and easy process. You can either enroll for this service in advance or register for the same while you are shopping. For Free Registration, Click here

Usage Guidelines

Multi currency card guidelines

Your Indus Multi Currency Card is extremely versatile and simple to use, being valid worldwide (except India, Nepal and Bhutan).
The Indus Multi Currency Card can be used to withdraw cash from ATMs as well as pay at Merchant Outlets. It works in the same way as a credit card for purchase transactions at merchant outlets, with the only difference being that the transaction amount is directly reduced from your Indus Multi Currency Card balance. You can also use your Indus Multi Currency Card to do online shopping/ payment transactions

Usage Guidelines

Things to remember

Traveller must adhere to the below given guidelines while using the card

  • Card is as valuable as cash and should never be left unattended
  • Surrender your card only to the designated bank officer of IndusIndBank branch. Destroy the card by cutting into several pieces through the magnetic strip
  • Personal Identification Number (PIN) to be kept as private and confidential
  • Call the IndusInd Bank 24-Hour Customer Service immediately in case your card is lost / stolen to report the loss
  • In case you need your card to be re-issued or closed, please call our Phone Banking Service or give a written request to any IndusInd Bank branch
  • Do not attempt to use Indus Multi Currency Card at merchant establishments that do not possess electronic point-of-sale swipe terminals
  • In the unlikely situation of transaction decline at merchant establishments, please request the merchant to perform manual key entry transaction by keying in Multi Currency Card Number (16 digits) followed by Card Expiry
  • Period (MMYY), 3 digits CVV value printed on the back of the card along with the 4 digit ATM PIN (if prompted) issued to you as a part of the card kit. These steps could differ according to terminal and acquiring bank locally.
  • Your card has inbuilt security feature which allows 12* transactions per day and daily card usage is limited to a maximum of INR 500,000* equivalent applicable for ATM withdrawals or merchant establishment.

Please promptly notify IndusInd Bank, in writing, of any changes in your telephone numbers or mailing address

Fees & Charges

Multi currency card charges

Charges USD GBP EUR AUD SGD SAR CAD AED
Issuance Fee *(Chip Single Card) in INR 150 150 150 150 150 150 150 150
Issuance Fee (Chip Paired Card) in INR 250 250 250 250 250 250 250 250
Reload Fee in INR 100 100 100 100 100 100 100 100
Re Issue Card Fee in INR 100 100 100 100 100 100 100 100
Re Issue PIN USD 0.50 GBP 0.50 EUR 0.50 AUD 1.00 SGD 1.00 SAR 7.25 CAD 0.50 AED 7.25
ATM Withdrawal USD 2.00 GBP 1.00 EUR 1.50 AUD 2.00 SGD 2.70 SAR 7.25 CAD 2.50 AED 7.25
Balance Enquiry USD 0.50 GBP 0.50 EUR 0.50 AUD 0.50 SGD 0.75 SAR 1.75 CAD 0.50 AED 1.75

*Charges are as per currency loaded

**Cross – Currency charge levied for international transactions (that is transaction in currency other than local currency) is 3.5%

FAQs

Multi currency card FAQs

What is Indus Forex Multi Currency Card?

Indus Forex Multi Currency Card is Chip Technology based Foreign Exchange card which offers greater security and increased protection.

How is Indus Forex Multi Currency Card better than a magnetic strip card?

Due to the increasing frauds and misuse with the payments done by magnetic stripe cards, the cards have been developed according to the EMV standard in order to prevent fraud and misuse. This makes the chip card more secure against card frauds and protect customers from card skimming and counterfeit.

Can I start using the Indus Forex Multi Currency Card immediately on receipt of the card kit?

No, after issuance of the card, the Bank takes upto 24 working hours to activate the card. An SMS alert is sent to you on activation of the card. Alternatively, you can call our Phone Banking Service to check on card activation.

Where can I use the card, once the card is active?

You can use the card either at an ATM for cash withdrawal or at merchant outlet for a purchase transaction. You can use the card online as well for any online shopping or payment.
Please note, the card cannot be used in India, Nepal and Bhutan.

How can I check for the available balance on my card?

You can check the available balance through any of the below options-

1. By Logging into the ontine portal. Click here to login.

2. By calling our Phone Banking Service. 

3. By doing a balance enquiry at VISA/ VISA Plus ATM. Balance of the wallet in local currency will only show at the ATM 

Further, the Bank sends an SMS alert for every transaction done using the Indus Forex Multi Currency Card which carries the available balance details. SMS alerts are sent only to mobile number from India. On SMS alert the balance of the currency wallet debited will be recieved.

Can this card be used in India?

No, this card cannot be used in India, Nepal and Bhutan.

What should I do if my card is lost or stolen?

Please report the same to the Bank immediately through the Phone Banking Service. We will get your card hot listed immediately and you can walk into one of branches for a replacement card.

I have a US Dollar card, but if I am in a country other than USA, can I use the card?

Yes, you will be able to use your Multi Currency Card in any country across the world, except for India, Nepal & Bhutan. The card can be used forwithdrawing the local currency of the country you are in or for making payment for a purchase transaction at any merchant outlet.

I have exhausted the balance in my card, can I reload the cardoutside India?

While you may not be able to load the card outside India, but your family in India can get your card reloaded from any Induslnd Bank branch or partner agent who had issued the card.

Where do I call if I need some assistance?

You can call Induslnd Bank's 24-hour Phone Banking Service for any assistance and information related to your card. 1860 500 5004 (from India only) or +9122 61553100 (from outside India) Can I write an email to the service desk, in case of any query? Yes, you can email your queries for chus@indusind.com

What is my PIN?

Your PIN (Personal Identification Number) is a unique 4 digit secure number assigned to your card and known only to you. It allows you to withdraw cash from VISA/ VISA Plus/ ATMs worldwide with a charge as listed. This PIN may also be used at certain merchant establishments where the POS / EDC terminal prompts for PIN entry.

How do I find VISA Plus ATM?

There are 1.6 Million VISA / VISA Plus ATMs at over 200 countries worldwide. Please visit the below ATM locator link to find nearest VISA ATM http://www.visa.com. or http://visa.via.infonow.net/locator/global. Unless you are travelling to someplace very remote, it is very unlikely that you won't be able to find one. It may please be noted that there are certain countries where, either VISA has withdrawn support or there is no presence of VISA infrastructure. Thus, there will be no acceptability of our card in such countries.

What can I do if I forget my ATM PIN?

Please call our 24 x 7 Phone Banking Service and request for reissuance of ATM PIN. We will send the ATM PIN to the communication address in India. Also please note that the card gets blocked for use at ATMs, if the card has been used with a wrong ATM PIN more than 3 times. This is for your own security and to prevent any fraudulent use on the card.

What is the expiry date of the Indus Forex Multi Currency Card?

Indus Forex Multi Currency Card is valid for 3 years. Upon card expiry, please cut the Indus Forex Multi Currency Card into several pieces through the magnetic strip. Please visit the nearby Indus Ind Bank branch for new card.

Whom should I contact in case I have any dispute in my transaction?

Please call our 24-hour Phone Banking Service or alternatively write an email to dedicated service desk.

What exchange rates are applied when a transaction is made on the card?

If the transaction is done in base currency (currency in which the card is purchased), there is no exchange rate applicable. However, for transactions done in currency other than base currency, exchange rates / conversion rates from the base currency to the local currency are applicable in accordance with rates applied by VISA. Currency conversion is done automatically in an international online environment by VISA.
We as a bank do not have any role in the currency conversion. There is only a mark-up of 3.5% done by VISA on our behalf for currency conversion transactions. The rates used by VISA are fine and is globally accepted by all banks.

Can I retain the foreign exchange on the Indus Forex Multi Currency Card after returning to India?

As per RBI regulations. One can retain the card only if the balance on the card is less than $2000.Else the amount needs to be refunded within 180 days from the date of arrival``. In case refund is not made on time, the card would be suspended and the card holder can face legal action.

How can I confirm if my card has been activated/ reloaded?

You would receive an SMS and Email confirmation as soon as your card is loaded/ reloaded. You can also check your balance on our website using the login ID and password provided for internet banking.
Are there any charges for using a VISA Plus ATM?
As given in charge fee grid, no ATM transaction comes free. There is a transaction fee levied for using ATMs for cash withdrawal Ft balance inquiry. Thus limit use of your card on ATM and use on POS to avoid deduction of any charges.
Will the ATM display foreign exchange rates that one can use before withdrawing cash?
No, ATM will not display foreign exchange rates. Post withdrawal of cash, with figure for amount withdrawn and balance available in card, it is possible to arrive at the exchange rate charged.

Is partial withdrawal allowed? How will the wallet get debited for a transaction? 

No, Partial Withdrawal is not allowed.

In the event of any use of the Card abroad, or any charge that is levied on the Card, the deductions to the amounts for such purpose shall happen in the following order

  • First, in case of the use/charge is in a specific currency, the amount shall be deducted from the balance available in the corresponding currency wallet of that currency.
  • In the event that no Currency Wallet has been created for that currency, amounts would be deducted from the currency wallet denominated in United States Dollars (USD).
  • In the event that there is insufficient balance in any of the currency wallets from which transaction is requested, bank will debit the default currency specified for the product (as USD) or will debit the next wallet in which amount is available. Subsequent wallets will be debited in case of non- availability of funds equal to total amount of transaction requested. Hierarchy in which the subsequent wallet for such debit is decided will follow the Currency Priority set by the customer if any. In case no such priority is set by the customer, the default currency priority will be decided by the bank. Customer may set the priority of currency for debits in aforementioned scenario either by requesting the same at the time of card being issued (on the account opening form) or may set the same himself or herself on the online card access.
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