Foreign exchange can be purchased from any authorised person, such as Authorised Dealer (AD) Category-I bank and AD Category II. Full-Fledged Money Changers (FFMCs) are also permitted to release exchange for business and private visits.

An Authorised Dealer is normally a bank specifically authorized by the Reserve Bank under Section 10(1) of FEMA, 1999, to deal in foreign exchange or foreign securities (the list of ADs is available on www.rbi.org.in ).

For private visits abroad, other than to Nepal and Bhutan, viz., for tourism purposes, etc., any resident can obtain foreign exchange up to an aggregate amount of USD 10,000, from an Authorised Dealer, in any one financial year, on self-declaration basis, irrespective of the number of visits undertaken during the year. This limit of USD 10,000 or its equivalent per financial year for private visits can also be availed of by a person who is availing of foreign exchange for travel abroad for any purposes, such as, for employment or immigration or studies.

No foreign exchange is available for visit to Nepal and/or Bhutan for any purpose. A resident Indian is allowed to take INR of denomination of Rs.100 or lesser denomination to Nepal and Bhutan without limit.

For business trips abroad to countries, other than to Nepal and Bhutan, a person can avail of foreign exchange up to USD 25,000 per visit. Visits in connection with attending of an international conference, seminar, specialised training, study tour, apprentice training, etc., are treated as business visits. Release of foreign exchange exceeding USD 25,000 for business travel abroad (other than to Nepal and Bhutan), irrespective of the period of stay, requires prior permission from the Reserve Bank.

No release of foreign exchange is admissible for any kind of travel to Nepal and Bhutan or for any transaction with persons resident in Nepal.

Investments in Bhutan are permitted in Indian Rupees as well as in freely convertible currencies. If investment is made in freely convertible currency/ ies, sale/winding up proceeds are required to be repatriated to India in freely convertible currencies.

Travellers going to all countries other than (a) and ( b) below are allowed to purchase foreign currency notes / coins only up to USD 3000. Balance amount can be carried in the form of travellers cheque or banker's draft. Exceptions to this are (a) travellers proceeding to Iraq and Libya who can draw foreign exchange in the form of foreign currency notes and coins not exceeding USD 5000 or its equivalent; (b) travellers proceeding to the Islamic Republic of Iran, Russian Federation and other Republics of Commonwealth of Independent States who can draw entire foreign exchange in the form of foreign currency notes or coins.

AD Category I banks and AD Category II, may release foreign exchange up to USD 100,000 or its equivalent to resident Indians for medical treatment abroad on self declaration basis, without insisting on any estimate from a hospital/doctor in India/abroad. A person visiting abroad for medical treatment can obtain foreign exchange exceeding the above limit, provided the request is supported by an estimate from a hospital/doctor in India/abroad. An amount up to USD 25,000 is allowed for maintenance expensesof a patient going abroad for medical treatment or check-up abroad, or to a person foraccompanying as attendant to a patient going abroad for medical treatment/check-up.

The amount of USD 25,000 allowed to the patient going abroad is in addition to the limit of USD 100,000 mentioned above.

For studies abroad the estimate received from the institution abroad or USD 100,000, per academic year, whichever is higher, may be availed of from an AD Category I bank and AD Category II. Students going abroad for studies are treated as Non-Resident Indians (NRIs) and are eligible for all the facilities available to NRIs under FEMA, 1999. Educational and other loans availed of by students as residents in India can be allowed to continue. A student holding NRO account may withdraw and repatriate up to USD 1 million per financial year from his NRO account. The student may avail of an amount of USD 10,000 or its equivalent for incidental expenses out of which USD 3000 or its equivalent may be carried in the form of foreign currency while going for study abroad.

Documentation may be done as advised by the Authorised Dealer.

A person going abroad for employment can draw foreign exchange up to USD 100,000 from any Authorised Dealer in India on the basis of self-declaration.

A person going abroad on emigration can draw foreign exchange from AD Category I bank and AD Category II up to the amount prescribed by the country of emigration or USD 100,000. He can draw foreign exchange up to USD 100,000 on self- declaration basis from an Authorised Dealer in India This amount is only to meet the incidental expenses in the country of emigration. No amount of foreign exchange can be remitted outside India to become eligible or for earning points or credits for immigration. All such remittances require prior permission of the Reserve Bank. If requirement exceeds USD 100,000, the person requires to obtain the prior approval from the Reserve Bank.

Dance troupes, artistes, etc., who wish to undertake cultural tours abroad, should obtain prior approval from the Ministry of Human Resources Development (Department of Education and Culture), Government of India, New Delhi.

The Foreign Contribution Regulation Act, 1976 is administered and monitored by the Ministry of Home Affairs whose address is given below: Foreigners Division, Jaisalmer House, 26, Mansingh Road, New Delhi-110 011 No specific approval from the Reserve Bank is required in this regard.

Permissible foreign exchange can be drawn 60 days in advance. In case it is not possible to use the foreign exchange within the period of 60 days, it should be immediately surrendered to an authorised person. However, residents are free to retain foreign exchange up to USD 2,000, in the form of foreign currency notes or TCs for future use or credit to their Resident Foreign Currency (Domestic) [RFC (Domestic)] Accounts.

Foreign exchange for travel abroad can be purchased from an authorized person against rupee payment in cash only up to Rs.50,000/-. However, if the Rupee equivalent exceeds Rs.50,000/-, the entire payment should be made by way of a crossed cheque/ banker's cheque/ pay order/ demand draft/ debit card / credit card / prepaid card only.

On return from a foreign trip, travellers are required to surrender unspent foreign exchange held in the form of currency notes and travellers cheques within 180 days of return. However, they are free to retain foreign exchange up to USD 2,000, in the form of foreign currency notes or TCs for future use or credit to their Resident Foreign Currency (Domestic) [RFC (Domestic)] Accounts.

The residents can hold foreign coins without any limit.

Any resident individual, if he so desires, may remit the entire limit of USD 200,000 in one financial year under LRS as gift to a person residing outside India or as donation to a charitable/educational/ religious/cultural organization outside India. Remittances exceeding the limit of USD 200,000 will require prior permission from the Reserve Bank.

Use of International Credit Cards (ICCs) / ATMs/ Debit Cards can be made for travel abroad in connection with various purposes and for making personal payments like subscription to foreign journals, internet subscription, etc. The entitlement of foreign exchange on International Credit Cards (ICCs) is limited by the credit limit fixed by the card issuing authority only. With ICCs one can (i) meet expenses/make purchases while abroad (ii) make payments in foreign exchange for purchase of books and other items through internet in India. If the person has a foreign currency account in India or with a bank overseas, he/she can even obtain ICCs of overseas banks and reputed agencies. Use of these instruments for payment in foreign exchange in Nepal and Bhutan is not permitted.

Residents are free to take outside India (other than to Nepal and Bhutan) currency notes of Government of India and Reserve Bank of India notes up to an amount not exceeding Rs. 7,500/ - per person. They may take or send outside India (other than to Nepal and Bhutan) commemorative coins not exceeding two coins each. Explanation : 'Commemorative Coin' includes coin issued by Government of India Mint to commemorate any specific occasion or event and expressed in Indian currency.

A resident of India, who has gone out of India on a temporary visit may bring into India at the time of his return from any place outside India (other than Nepal and Bhutan), currency notes of Government of India and Reserve Bank of India notes up to an amount not exceeding Rs.7,500.

A person can take or send out of India to Nepal or Bhutan, currency notes of Government of India and Reserve Bank notes, in denominations not exceeding Rs.100.

A person coming into India from abroad can bring with him foreign exchange without any limit. However, if the aggregate value of the foreign exchange in the form of currency notes, bank notes or travellers cheques brought in exceeds USD 10,000 or its equivalent and/or the value of foreign currency alone exceeds USD 5,000 or its equivalent, it should be declared to the Customs Authorities at the Airport in the Currency Declaration Form (CDF), on arrival in India. 22. Is it required to follow complete export procedure when a gift parcel is sent outside India? A person resident in India is free to send (export) any gift article of value not exceeding Rs.5,00,000 provided export of that item is not prohibited under the extant Foreign Trade Policy and the exporter submits a declaration that goods of gift are not more than Rs.5,00,000 in value.

Export of goods or services up to Rs.5,00,000 may be made without furnishing the declaration in Form GR/ SDF/ PP/ SOFTEX, as the case may be.

Taking personal jewellery out of India is as per the Baggage Rules, governed and administered by Customs Department, Government of India. While no approval of the Reserve Bank is required in this case, approvals, if any, required from Customs Authorities may be obtained.

A person resident in India is free to make any payment in Indian Rupees towards meeting expenses, on account of boarding, lodging and services related thereto or travel to and from and within India, of a person resident outside India, who is on a visit to India.

Residents may book their tickets in India for their visit to any third country. For instance, residents can book their tickets for travel from London to New York, through domestic/foreign airlines in India itself.

No, it is not mandatory to endorse on the passport, however if the customer insists or request for an endorsement the authorised dealer will not refuse to endorse the same.

Cross Currency Charges:

• For transactions where the transaction currency is different than the currency available on Multicurrency ForexPlus card, Bank will charge cross currency markup of 3% on such transactions.
• Exchange rate used will be the VISA/MasterCard wholesale exchange rate prevailing at the time of the transaction.
• For cross currency transactions involving wallet to wallet transfers within currencies available on Multi currency Forex Plus card, customer will be charged with 2% cross currency charges.

Currency conversion service tax:

Currency Conversion tax will be as applicable as per prevailing tax guidelines

Charges towards GCAS facility:

The customer will be charged for availing GCAS facility of Visa as per the prevailing charges applicable.

Eligibility and Documentation

• The completed Multi currency Application Form
• Form A2
• A photocopy of your Passport

A look at the documentation mandated by FEMA as per the quota of your travel:

Purpose	Limit
Basic Travel Quota (BTQ) - For Holidays, Personal visits, etc.	USD $10,000.00 per financial year
Business Travel	USD $25,000.00 per Trip
Immigration - For people who settle abroad in countries like Canada, New Zealand, etc.	USD $100,000.00 per year
Employment Abroad - For a person who is going to work abroad	USD $100,000.00 per year
Medical Treatment - For people who are travelling abroad for treatment	USD $100,000.00 per year
Studies Abroad - For students pursuing studies abroad	USD $100,000.00 per academic year

A person going abroad for employment can draw foreign exchange up to USD 100,000 from any Authorised Dealer in India on the basis of self-declaration.

A person going abroad on emigration can draw foreign exchange from AD Category I bank and AD Category II up to the amount prescribed by the country of emigration or USD 100,000. He can draw foreign exchange up to USD 100,000 on self- declaration basis from an Authorised Dealer in India This amount is only to meet the incidental expenses in the country of emigration. No amount of foreign exchange can be remitted outside India to become eligible or for earning points or credits for immigration. All such remittances require prior permission of the Reserve Bank. If requirement exceeds USD 100,000, the person requires to obtain the prior approval from the Reserve Bank.

Dance troupes, artistes, etc., who wish to undertake cultural tours abroad, should obtain prior approval from the Ministry of Human Resources Development (Department of Education and Culture), Government of India, New Delhi.

The Foreign Contribution Regulation Act, 1976 is administered and monitored by the Ministry of Home Affairs whose address is given below: Foreigners Division, Jaisalmer House, 26, Mansingh Road, New Delhi-110 011 No specific approval from the Reserve Bank is required in this regard.

Permissible foreign exchange can be drawn 60 days in advance. In case it is not possible to use the foreign exchange within the period of 60 days, it should be immediately surrendered to an authorised person. However, residents are free to retain foreign exchange up to USD 2,000, in the form of foreign currency notes or TCs for future use or credit to their Resident Foreign Currency (Domestic) [RFC (Domestic)] Accounts.

Foreign exchange for travel abroad can be purchased from an authorized person against rupee payment in cash only up to Rs.50,000/-. However, if the Rupee equivalent exceeds Rs.50,000/-, the entire payment should be made by way of a crossed cheque/ banker's cheque/ pay order/ demand draft/ debit card / credit card / prepaid card only.

On return from a foreign trip, travellers are required to surrender unspent foreign exchange held in the form of currency notes and travellers cheques within 180 days of return. However, they are free to retain foreign exchange up to USD 2,000, in the form of foreign currency notes or TCs for future use or credit to their Resident Foreign Currency (Domestic) [RFC (Domestic)] Accounts.

The residents can hold foreign coins without any limit.

Any resident individual, if he so desires, may remit the entire limit of USD 200,000 in one financial year under LRS as gift to a person residing outside India or as donation to a charitable/educational/ religious/cultural organization outside India. Remittances exceeding the limit of USD 200,000 will require prior permission from the Reserve Bank

Use of International Credit Cards (ICCs) / ATMs/ Debit Cards can be made for travel abroad in connection with various purposes and for making personal payments like subscription to foreign journals, internet subscription, etc. The entitlement of foreign exchange on International Credit Cards (ICCs) is limited by the credit limit fixed by the card issuing authority only. With ICCs one can (i) meet expenses/make purchases while abroad (ii) make payments in foreign exchange for purchase of books and other items through internet in India. If the person has a foreign currency account in India or with a bank overseas, he/she can even obtain ICCs of overseas banks and reputed agencies. Use of these instruments for payment in foreign exchange in Nepal and Bhutan is not permitted.

Residents are free to take outside India (other than to Nepal and Bhutan) currency notes of Government of India and Reserve Bank of India notes up to an amount not exceeding Rs. 7,500/ - per person. They may take or send outside India (other than to Nepal and Bhutan) commemorative coins not exceeding two coins each.

Explanation : 'Commemorative Coin' includes coin issued by Government of India Mint to commemorate any specific occasion or event and expressed in Indian currency.

A resident of India, who has gone out of India on a temporary visit may bring into India at the time of his return from any place outside India (other than Nepal and Bhutan), currency notes of Government of India and Reserve Bank of India notes up to an amount not exceeding Rs.7,500.

A person can take or send out of India to Nepal or Bhutan, currency notes of Government of India and Reserve Bank notes, in denominations not exceeding Rs.100.

A person coming into India from abroad can bring with him foreign exchange without any limit. However, if the aggregate value of the foreign exchange in the form of currency notes, bank notes or travellers cheques brought in exceeds USD 10,000 or its equivalent and/or the value of foreign currency alone exceeds USD 5,000 or its equivalent, it should be declared to the Customs Authorities at the Airport in the Currency Declaration Form (CDF), on arrival in India. 22. Is it required to follow complete export procedure when a gift parcel is sent outside India? A person resident in India is free to send (export) any gift article of value not exceeding Rs.5,00,000 provided export of that item is not prohibited under the extant Foreign Trade Policy and the exporter submits a declaration that goods of gift are not more than Rs.5,00,000 in value.

Export of goods or services up to Rs.5,00,000 may be made without furnishing the declaration in Form GR/ SDF/ PP/ SOFTEX, as the case may be.

Taking personal jewellery out of India is as per the Baggage Rules, governed and administered by Customs Department, Government of India. While no approval of the Reserve Bank is required in this case, approvals, if any, required from Customs Authorities may be obtained.

A person resident in India is free to make any payment in Indian Rupees towards meeting expenses, on account of boarding, lodging and services related thereto or travel to and from and within India, of a person resident outside India, who is on a visit to India.

Residents may book their tickets in India for their visit to any third country. For instance, residents can book their tickets for travel from London to New York, through domestic/foreign airlines in India itself.

No, it is not mandatory to endorse on the passport, however if the customer insists or request for an endorsement the authorised dealer will not refuse to endorse the same.

Sr.	Document	At the time of Purchase	At the time of Reload
1.	Passport Copy	Mandatory	Already Available - Not Required
2.	Form A2	Not required for Amounts upto USD 5000 (or its equivalent in other miscellaneous Foreign currencies) Compulsory for amount greater than USD 5000	Not required for Amounts upto USD 5000 (or its equivalent in other miscellaneous Foreign currencies) Compulsory for amount greater than USD 5000
3.	Visa	Mandatory	Same trip not required
4.	Airline Ticket	Mandatory	Compulsory in case of next tripSame trip not required
5.	Form 60	Compulsory when PAN / GIR not available	Compulsory when PAN / GIR not available

Currency Variants	Card Issuance Fee	Reload Fee	Add-on Card Fee
USD EUR GBP AUD CAD	Rs. 150 + taxes Rs. 150 + taxes Rs. 150 + taxes Rs. 150 + taxes Rs. 150 + taxes	Rs. 100 + taxes Rs. 100 + taxes Rs. 100 + taxes Rs. 100 + taxes Rs. 100 + taxes	Rs. 100 + taxes Rs. 100 + taxes Rs. 100 + taxes Rs. 100 + taxes Rs. 100 + taxes
SGD CHF SEK	Rs. 250 + taxes Rs. 250 + taxes Rs. 250 + taxes	Rs. 150 + taxes Rs. 150 + taxes Rs. 150 + taxes	Rs. 150 + taxes Rs. 150 + taxes Rs. 150 + taxes
AED SAR	Rs. 300 + taxes Rs. 300 + taxes	Rs. 200 + taxes Rs. 200 + taxes	Rs. 200 + taxes Rs. 200 + taxes

In Same Currency:

: Each individual will be entitled to purchase one card of each currency. However, an individual cannot hold more than a single card of the same currency at any given point of time

In Multiple Currencies:

If you are travelling to more than one country on a single trip and you wish to carry more than one card on different currencies, then Bank can issue more than one card to you , albeit in different currencies, within the overall RBI approved limits for the trip.

No. As stated above if you are travelling to more than one country on a single trip, then Bank can issue more than one card to you, albeit in different currencies, within the overall RBI approved limits for the trip. However it would not be possible to load more than one currency on a single card.

You are advised to commence the usage of the card only after a couple of hours. You are also advised to ensure that you have received the PIN and sign on the signature panel at the back of the card. It is also advisable to change the PIN and check the Balance on the card at any Axis Bank ATM before your departure from the country.

You would receive an SMS confirmation as soon as your card is loaded/reloaded. It is advisable to check the Balance on the card at any Axis Bank ATM before your departure from the country. You can also check your balance on our website using the login id and password provided for internet banking.

The usage of your Travel Currency Card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations. The amount loaded or reloaded on a card should be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations in force at present. The minimum purchase/ reload value of Travel Currency Card is given below:

Currency Variants	Minimum Issuance Amount	Minimum Reload Amount
USD	250	100
EUR	200	100
GBP	150	100
AUD	300	100
CAD	300	100
SGD	350	100
CHF	300	125
SEK	1500	650
JPY	30000	12000
AED	950	350
SAR	950	950

To withdraw cash, you would need to insert your card into any Visa /Visa Plus / Mastercard ATM machine overseas and follow the instructions on screen. Enter your PIN and indicate the amount you want to withdraw in the local currency. The requisitioned cash will be dispensed in the local currency of the country you are in.

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 / Mastercard ATMs worldwide. This PIN can be changed (only) at any Axis Bank ATM in India.

All ATMs overseas displaying the Visa or Plus symbol will accept your Axis Bank Travel Currency Card.

There are over 1 Million VISA ATMs worldwide. For a comprehensive list of all ATMs look upto the location of VISA accepting ATMs on their websitehttp://www.visa.com. Or http://visa.via.infonow.net/locator/global and click on the ATM locator. 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 the VISA or MasterCard has withdrawn support or there is no presence of VISA or MasterCard infrastructure. Thus, there will be no acceptability of our Travel Currency Card in such countries.

Currency Variants	Minimum Issuance Amount	Minimum Reload Amount
USD	2	0.5
EUR	1.5	0.5
GBP	1.25	0.5
AUD	2.5	0.65
CAD	2.5	0.65
SGD	3.25	0.95
CHF	2.5	0.7
SEK	15	3.5
JPY	250	65
AED	7.25	7.25
SAR	1.75	1.75

The banks in U.S. are given right by the local federal laws to charge Surcharge/fees from other bank customer's accessing their ATM to withdraw money. Many ATMS in US do levy charges for withdrawing from their ATM over and above the charges mentioned above.

Generally, the options available at the ATM for cash withdrawal are "Checking", "Credit", and "Savings". You should choose the "Checking/Current" option. In case the Checking/Current option is not available, you should select the "Credit" option. The Savings option does not link to the VISA network and hence the transaction would not be successful.

The Card gets blocked for use at ATMs, if the card has been used with the wrong ATM PIN more than 3 times. This is for your own security and to prevent any fraudulent use on the card. If you have forgotten your PIN, you may write to travel.currency@axisbank.com for generation of a new PIN.

No, generally, ATMs display the amount withdrawn and balance available in the local currency. With this information, you can calculate the foreign exchange rate applied.

Yes, the Travel Currency Card can be used to transact (Cash withdrawal at ATMs and point of sale transactions at Merchant Outlets) in any local currency. For transactions in any other currency other than the base currency, there will be an exchange rate which will be applicable.

In case you have a dispute on any specific transaction, you are requested to provide the details of the transaction to the e-mail id:- travel.currency@axisbank.com for doing the needful.

Incase you have exhausted the funds on the card; you can reload your card with additional funds. The easiest way to do this is to contact the Axis Bank Branch where you bought it from.

Yes! You may leave a signed copy of the reload Form and authorization with your family. Your family member can approach Axis Bank Branch with the Reload form. On submission of the documents and receipt of the payment, the Travel Card would be reloaded.

The easiest way to cash out your card, if you don't want to reload it for your next trip, is to go to the nearest Axis Bank branch and get the remaining amount encashed.

The Card can be encashed only after your return to India. Furthermore, the last transaction done on the card should be more than 10 days prior to the date of encashment. For refund of the residual or unutilized balances you can approach any of the branch of the Bank irrespective of where the card was issued. You need to complete the refund form and submit a copy of your passport alongwith the form.

In case you want to encash the entire unspent amount on the card, you need to cut the card into 4 pieces at the time of surrender. However if you wish to retain the card for further trips, you can do so by encashing the partial amount and maintaining a minimum balance of USD 20; EUR 15; GBP 10; AUD 25, CAD 25; SGD 30; CHF 25 and SEK 130. Please note that if the balance on the card is more than $ 2000 then the card should be encashed within 90 days from the date of arrival.

You can call the 24- hour helpline 91-22-67987700 or send an email to email helpdesk travel.currency@axisbank.com to report a lost or stolen card. Our Customer Service Executives will immediately block the lost card and prevent it from further use and arrange to send you a replacement card within 2 working days. It is important to note that a lost Card report will be taken only after verification of your Mother's maiden name, Date of Birth, Passport no etc.

You can access the Internet banking module, iConnect for keeping a track of your balances and the transactions done on your card. The Internet banking user id is mentioned on the sticker placed on the welcome kit. The password is enclosed in the welcome kit in a sealed envelope for security reasons. You can visit the web-site www.axisbank.com. Select the "Logon to net Banking" section on the top left hand side to access the service.

• You should look for VISA/VISA Electron / MasterCard sign at the point-of-sale merchant establishment.
• The Merchant must have an electronic point of sale card swiping terminal.
• Present your Travel Card after making purchase.
• Do not give your PIN to the merchant even if requested. PIN is not required for POS transactions.
• After a successful authorization, a hold for the transacted amount will first be placed on your account.
• Subsequently, your account will be debited for the transacted amount.
• A sales slip will be generated from the electronic card-swiping terminal.
• Check and sign the sales slip. Your signature must match the one on your Travel Card.
• Ensure your card is returned to you.

Please note that this card can be used only for online transactions. Any transaction, which is done in an offline mode (Manual key Entry) would be declined, as it does not get routed to the online systems.

In case of loss of card, ATM PIN or the Internet banking password, you are requested to write to the Travel Currency Helpdesk at the e-mail id: - travel.currency@axisbank.com

Schedule of Charges
Charges		Amount*
		US Dollar Card	Euro Card	GBP Card	AUD Card	CAD Card	Swiss Franc Card	SGD Card	JPY Card
Card Fees and Replacement	One time card joining fee	Rs 150	Rs 150	Rs 150	Rs 150	Rs 150	Rs 150	Rs 150	Rs 150
Fees
	Reload fee	Rs  100	Rs  100	Rs  100	Rs  100	Rs  100	Rs  100	Rs  100	Rs  100
	Lost card replacement charges at foreign locations	USD 20.00	USD 20.00	USD 20.00	USD 20.00	USD 20.00	USD 20.00	USD 20.00	USD 20.00
	Lost card replacement in India	USD 3.00	USD 3.00	USD 3.00	USD 3.00	USD 3.00	USD 3.00	USD 3.00	USD 3.00
ATM Usage Fees**	Cash withdrawal at ATMs	USD 1.50	USD 1.50	USD 1.50	USD 1.50	USD 1.50	USD 1.50	USD 1.50	USD 1.50
	Balance enquiry at ATMs^	USD 0.50	USD 0.50	USD 0.50	USD 0.50	USD 0.50	USD 0.50	USD 0.50	USD 0.50
Payments to merchants directly using POS terminals		NIL	NIL	NIL	NIL	NIL	NIL	NIL	NIL
E-Commerce		NIL	NIL	NIL	NIL	NIL	NIL	NIL	NIL

*Some of the ATM acquires charge additional ATM fee. You are advised to check the same before the usage.
**Service Charge Extra

Hotels/Car Rentals before check-in/renting services etc, take a pre-auth on your card. A Pre-Auth is essentially blocking of certain amount on your card. At the time of checking out of the hotel/settling the bill, you should:
• Ask the executive to settle the final bill against the pre-auth that was taken.
• Ask the executive to cancel the pre-auth (credit back the amount) that was taken and settle the bill by taking an authorization for the actual bill amount.
In the event of the Merchant not reversing back the amount, ICICI Bank would credit back the amount immediately after 11 days.

Insurance	Max Cover	Remarks
Personal Air Accident Cover - Death only.	Rs 10 Lakh	This cover is available for PRIMARY Card members upto the age of 69 and is applicable only overseas. 100% benefit total & disablement (as decided permanent by insurance company)
Missing of connecting	USD 300	Applicable if there is no international flight in the next 6 hours after late arrival by an international flight on an international airline For International Travel only.
Loss of travel documents (Passport, Visa, Tickets)	USD 500	Available on baggage checked by international airline on an international flight on an outbound flight only. In case of theft, it should be reported to appropriate policy authority within 24 hours of discovery.
Hijacking	Up to USD 3,000	Available on baggage checked by international airline on an international flight on an outbound flight only. In case of theft, it should be reported to appropriate policy authority within 24 hours of discovery
Delay in receipt of checked baggage.	USD 100	Available on baggage checked by international airline on an international flight on an outbound flight only. In case of theft, it should be reported to appropriate policy authority within 24 hours of discovery.

Note: The customer is automatically enrolled into the policy on the purchase of the card. The claim will be applicable only if on the incident date, the Global Currency Card was active and had a positive balance on the same.

For insurance claims, please contact ICICI Lombard on toll free number: 180020988. ICICI Lombard PBO takes down the claim information from the customer. Checks based on the card number provided for the cover applicable. Forwards the information to the expert for claim validity. If the claim is valid, customer is forwarded the claim form along with the list of supporting documents required. The cheque is sent to customer within 30 days.

Customers can call ICICI Bank's 24-hour Customer Care Center for free customer support. From within India, call 1800 345 3499. From outside India, customers may call 91 22 28307777. After calling these numbers, please the customers need press 112 for English and 212 for Hindi. The customers can call up the call center to know their transaction details, the remaining balance on their card account, to update their mailing address/email address/mobile number, report a card loss and ask for replacement cards or write to us using the " Email Us " option For emergency assistance, they can call our assistance center at 91 11 4189 8888

Yes. For VISA and MASTERCARD, the cardholder first needs to activate his/her card for the Internet usage while in case of AMERICAN EXPRESS®, the card is pre-activated.
The steps for activation are:
• Log on to www.icicibank.com, click on cards, Click on Global Currency Card, click on Login for Global Currency Card Customers, and log in using 16-digit card no and Internet password.
• Activate the card for Internet Transactions (not valid on Indian Sites).
• The card remains active for 30 minutes or 1 transaction which ever is earlier.
• Start using the card over the Internet.

Yes. The process is:
• Leave a Signed Copy of the Reload Form and authorization with your family.
• Family Member walks into nearest VKC Forex Branch with the Reload Form.
• On submission of these documents and receipt of payment, the Card would be reloaded.

Yes, the same is available. In case you want to temporarily block the card for safety purpose, you can do so yourself through your internet log-in or you can call up ICICI Bank call center to block and then unblock the card. This facility is not available on ICICI Bank American Express®, Prepaid Global Currency Card.

"Internet" web-based access allows the customers quick access to transaction details and can also check their card balance. They simply need to logon to www.icicibank.com > click on Cards > click on Global Currency Card, and log-in through the "Login for Global Currency Card customers" link using their Internet Login ID (i.e. Global Currency Card 16 digit number) and password provided with the welcome pack for a complete update on the Card.
Customers can check the status on their VKC Forex Global Currency Card from anywhere in the world. The customers can get updates on
• Available balance
• Transactions undertaken
• Transactions after last statement date
• Past statements (by period)

• Ask the merchant to ensure that he has swiped on a Credit Card terminal.
• If the card is still getting declined, walk into the nearest ATM to check the available balance on the card.
• Customers can withdraw the cash from the ATM and settle with the merchant.
• Report the matter to ICICI Bank, for follow up with the Merchant.

Usage of the VKC Forex Global Currency Card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations.
The card can be loaded with any amount up to USD $10,000 or equivalent in Euros in a year. The minimum loading amount is 200 ( i.e. if USD card-$200, if GBP card- £ 200 and so on ).
Corporate travelers can load the Card up to $25,000 or its equivalent in Euros for every business trips*.
*The amount of load on a card should be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations.

No. One card can be loaded with only one currency. However, the customer can take card in one currency and use worldwide irrespective of the currency of the country.

There is a charge of 1.50 Dollars for USD Card, 1.50 Euros for Euro card, 1.50 Pounds for GBP Card (and similar amount for other currencies as well) for cash withdrawal from ATMs. The charges for checking the balance through the ATM is 0.50 Dollars for USD Card, 0.50 Euros for Euro Card, 0.50 Pounds for GBP Card (and similar amount for other currencies as well)*.

A charge of 1.50 Dollars is levied on ATM Usage while 0.50 dollars are charged for balance enquiry*.

A charge of 1.50 Dollars is levied on ATM Usage while balance enquiry option in not available on this card*. *Service Charges Applicable

The customers can maximize their saving by using the card at POS terminal, swiping the card to make payment rathr than withdrawing currency from ATMs and there by incurring ATM withdrawal charges while there are no charging for POS usage provided swipe is made in the same currency as the card.

In case the ATM-PIN is forgotten, call the Customer Care center and request for New ATM Pin. The for VISA / MasterCard, the same would be provided over the phone. For American Express®, the customer would need to generate the same over the IVR.

One may need a replacement card if the card gets stolen/lost, or if the magnetic strip stops working..

Contact the 24-hour ICICI Bank Customer Care Center on +91 22 2830 7777 for the replacement card. Call +91 22 2830 7777.