• The Forex Card is available to Indian nationals traveling abroad and foreign nationals residing in India. It can be issued to customers who maintain an account with AU Small Finance Bank.
  
  
• Forex Card cannot be issued to NRI/NRE/NRO/non-KYC compliant customers. It can be issued to Indian residents and foreign nationals residing in India only.
  
  
• Your PAN Card should be updated in the bank records

Schedule of Charges and fee applicable

(Kindly note Exchange rates mentioned are indicative & are subject to change as required based on market fluctuations The final rate applicable unless mentioned will be the card rate prevailing at the time debit /credit to the account of the client)

• GST as applicable on all Fees and Charges
• Tax Collected at Source (TCS) is applicable under the provision of Financial Act, 2020.
• Currency Conversion GST will be applicable at the time of currency conversion from INR currency to foreign currency and vice versa.
• All fees and charges mentioned above are exclusive of taxes. In case of insuffi­cient balance on particular wallet, fee along with taxes will be debited from the highest order wallet with sufficient balance.
• *Cross Currency Mark-up charges
  
  a) For transactions where the transaction currency is different than the currency available on Forex Card Bank will charge Cross Currency Mark-up on such transactions as applicable.
  
  b) Exchange rate used will be the Visa / MasterCard wholesale exchange rate prevailing at the time of the transaction. Exchange rate used will be the Mid-rate prevailing at the time of the transaction.
  
  c) For cross currency transactions involving wallet to wallet transfers within currencies available on the Forex Card, customer will be charged cross currency mark-up as applicable.
  
  d) GST will be applicable on Currency Conversion & other fees as per prevailing rate.
  
  e) Applicable GST on Currency Conversion, TCS and other taxes will be debited from your account on the next working day from the date of request.

Daily Limit & Fees / Charges of (ATM & POS)

 

*All fees and charges mentioned above are exclusive of taxes. In case of insufficient balance on particular wallet, fee along with taxes will be debited from the highest order wallet with sufficient balance.

Exchange rates mentioned are indicative & are subject to change as required based on market fluctuations The final rate applicable unless mentioned will be the card rate prevailing at the time debit /credit to the account of the client

Transaction Limits
 

Exchange rates mentioned are indicative & are subject to change as required based on market fluctuations The final rate applicable unless mentioned will be the card rate prevailing at the time debit /credit to the account of the client.

· Click here to view terms and conditions for AU Multi-Currency Forex Card

· Click here to view terms and conditions for Emergency Cash Assistance

· Click here to view terms and conditions for Card Insurance

· Terms & Conditions for Value Added Services

Click here to view Forex Card Servicing Branches

It is a prepaid card that can be loaded with multiple foreign currencies. You can lock in exchange rates in advance and avoid currency fluctuations while traveling abroad. Currently, you can load up to 6 currencies on the AU Multi-Currency Forex Card: Canadian Dollar, Euro, British Pound, UAE Dirham, US Dollar, and Japanese Yen.

You can load:

Canadian Dollar (CAD), Euro (EUR), British Pound (GBP), UAE Dirham (AED), US Dollar (USD), and Japanese Yen (JPY).

Yes. You currently need an AU Small Finance Bank account to apply for the AU Multi-Currency Forex Card. To begin, simply log in to https://www.au.bank.in/ and follow the easy steps.

Yes. You can reload the card online through our customer portal or by visiting any AU Multi-Currency Forex Card servicing branch.

If you are abroad and want someone in India to reload your card, you may leave a signed reload form and an authorization letter with a family member. They can submit these at any servicing branch. Once documents and funds are verified, your card will be reloaded.

The minimum load amount is 100 units of the currency you wish to load (USD/GBP/EUR/JPY/AED/CAD).

Simply enter your existing 4-digit PIN and press Enter/Confirm.

Even if the ATM screen asks for 6 digits, it will accept your 4-digit PIN.

You can withdraw cash using your AU Multi-Currency Forex Card at any ATM displaying the Mastercard logo.

Steps:

1. Insert your card and enter your 4-digit PIN.

2. Select Cash Withdrawal or Balance Enquiry.

3. Choose the account type: Checking / Current / Credit (any option works).

4. Collect your cash and card.

Important Notes:

Some countries/banks may charge additional fees on foreign cards as per their local rules.

If cash withdrawal fails, try:

Entering a lower amount (ATMs may have lower local limits)

Retrying after a few minutes (network issues are common)

Some overseas ATMs may charge an additional ATM surcharge.

This fee is not levied by AU Small Finance Bank and cannot be reversed.

Surcharge is charged by the foreign bank/ATM owner in addition to AU Bank fees.

The merchant will swipe or dip your AU Multi-Currency Forex Card at the POS terminal.

Steps:

1. Select Credit / Checking / Current as the account type.

2. Ask the merchant to select “Pay in local currency” to avoid DCC charges^.

3. Enter your 4-digit PIN (only at Chip & PIN terminals).

4. Sign the merchant copy of the receipt (where required).

5. Collect your card, customer copy, and invoice.

You can use your AU Multi-Currency Forex Card for online shopping and payments across international websites.

To ensure secure usage, please enable your card for E-commerce / POS / ATM through the customer portal.

Steps:

1. Log in to the merchant’s website.

2. Choose Debit/Credit Card as the payment option.

3. Enter your card details and billing information.

4. Confirm and make the payment.

The card can be issued to resident individuals aged 12 years and above.
If the applicant/remitter is a minor, Form A2 must be countersigned by the minor’s natural guardian.

Processing Time:
Requests received before 4:30 PM (IST) on a working day will be processed on the same business day, subject to successful verification.

Requests After Cut-off:
Requests received after 4:30 PM (IST) or on bank holidays will be processed on the next working day.

Delays:
In case of technical or processing delays, the transaction may be completed on the next working day.

Mandatory Documents:

· Copy of your Passport

· Filled Application Form

Optional / If Applicable:

· Purpose of Travel documents

Additional Information:

· Ensure your PAN is updated in the bank’s records.

· Document requirements may vary based on the selected purpose code.

· AU Small Finance Bank may update the document list as per regulatory guidelines.

· If applying at a branch, please carry your original KYC documents along with self-attested copies.

Yes. The AU Multi-Currency Forex Card must not be used in India, Nepal, or Bhutan for making payments in foreign currencies.
The card is also prohibited in countries classified as high-risk by the RBI or those listed under the Bank’s Sanctions Policy. Usage in sanctioned countries is strictly not allowed.
For the latest list of sanctioned countries and territories, please click here.

Yes, as per RBI guidelines, you may retain the card if the balance is less than USD 2,000.
If the balance exceeds this amount, a refund must be requested within 180 days of your return to India.

Yes. Students can avail:

• Emergency Assistance Services from Across Assist, and
• Exclusive benefits through ISIC (International Student Identity Card).

For the latest student offers, please click here.

No. The card cannot be used for Internet-based (E-commerce) or MOTO transactions.

You can apply for a refund only after returning to India.
Additionally, the last transaction must have been completed at least 10 days prior, or there should be no pending settlements on the card.

Refund options:

• Visit the AU Multi-Currency Forex Card customer portal, or
• Visit any servicing AU Small Finance Bank branch.

You will need to fill the refund form and submit a copy of your passport.

The card can be reloaded multiple times before its expiry, subject to RBI/FEMA load and reload limits.

You can use the card for almost all your international travel needs, including:

• Travel bookings
• Dining
• Hotel reservations
• Shopping
• Duty-free purchases
• Entertainment, and more.

You can:

• Apply for a replacement card to use the remaining funds, or
• Visit any AU Small Finance Bank branch to request a refund of the balance.

Yes.
E-commerce and contactless transactions are disabled by default as a security measure.

You can enable/disable these channels and set transaction limits through:

• The AU Multi-Currency Forex Card Customer Portal, or
• Any AU Small Finance Bank servicing branch.

It is recommended to enable these channels before making an online payment.

Yes. For the latest offers, kindly click here.

The card is loaded at the exchange rate offered by the bank on the day of the transaction.

You can start using your AU Multi-Currency Forex Card once it is activated.
Activation may take up to 24 hours after the bank receives your funds and required documents.
In most cases, activation is completed within 4–7 hours, and you will receive an SMS or email update.
You can also check the activation status through Phone Banking.

You can apply for the card up to 180 days before travel or even on the day of travel, as it is an over-the-counter product. However, we recommend applying a few days earlier to avoid last-minute delays.

Yes. The remaining balance can be refunded to your AU Small Finance Bank account.

Yes. The AU Multi-Currency Forex Card can hold up to 6 currencies (Canadian Dollar, Euro, British Pound, UAE Dirham, US Dollar, Japanese Yen) on a single card.
You can use the respective currency wallets seamlessly at ATMs, merchant outlets, and online platforms that accept Mastercard.

Please Note:
The total amount loaded across all currencies must comply with the prevailing RBI and FEMA guidelines.

Yes. Some ATMs may offer DCC during cash withdrawals.
Always choose to withdraw in the local currency to avoid extra charges.

No. AU Small Finance Bank cannot reverse DCC-related charges, as these are levied by the merchant/ATM operator, not by the bank.

You may see prompts such as:

• “Would you like to pay in your home currency (INR)?”
• “Choose currency: INR or Local Currency”
• “Card issued in India – convert to INR?”

Best Practice:
Always decline these options and choose the local currency.

It is not advisable to choose DCC.
Selecting DCC causes your transaction to go through two currency conversions, increasing your cost.
Also note: Cross-currency transactions attract currency conversion charges at applicable rates.

Cross currency occurs when you spend in a currency not loaded on your AU Multi-Currency Forex Card.

Example:
Your card is loaded with USD, but you pay in EUR.
The system converts EUR → USD using the card issuer’s exchange rate.

Charges:
A cross-currency markup is applied in addition to standard forex markup.

DCC is a feature offered by some overseas merchants, ATMs, or POS machines that lets you pay in INR instead of the local currency.

Example:
A terminal abroad may ask:
“Do you want to pay in INR instead of USD/EUR?”

Choosing INR means the merchant converts the amount at their own rate and may add fees.

Impact:
This causes double conversion (Local Currency → INR → Loaded Currency), making your transaction more expensive.

Best Practice:
Always decline DCC and pay in the local currency.

Yes, you can. Follow these steps for smooth usage:

• Uninstall and reinstall the Uber/Lyft app once you are abroad.
• While re-registering, use your current location and a mobile number with international roaming enabled.
• Ensure the ECOM (e-commerce) facility on your AU Multi-Currency Forex Card is enabled.
• If a payment fails, you may contact Uber’s toll-free support and request them to unblock your card. If needed, mention that your card is a credit card (for acceptance purposes).
• For a seamless experience, you can also add funds to your Uber Cash Wallet from your AU Multi-Currency Forex Card.

No. You do not need a new PIN. Your existing 4-digit PIN will work at ATMs abroad.

Your PIN (Personal Identification Number) is a unique 4-digit code assigned to your card. It is required for ATM withdrawals, Cash at POS, and some merchant transactions.

PIN requirement may vary by country—some places prefer PIN entry, while others may use signature verification.

Yes, you can load more than one currency. The card currently supports up to 6 currencies: USD, EUR, CAD, GBP, AED, and JPY.

You can use it to:

Withdraw cash from ATMs

Make purchases at POS terminals

Pay online for e-commerce or digital transactions

The amount is directly deducted from your card balance.

The card comes with an embedded EMV chip that provides high-level security for merchant payments. It also has a magnetic stripe for added reliability. The card works independently of your bank account and carries no personal details, ensuring safety and privacy.

You can apply through our website. You may also visit any of our AU Multi-Currency Forex Card servicing branches to get an Instakit. The process requires minimal documentation and is fast, simple, and seamless.