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.
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.
The amount of USD 25,000 allowed to the patient going abroad is in addition to the limit of USD 100,000 mentioned above.
Explanation : 'Commemorative Coin' includes coin issued by Government of India Mint to commemorate any specific occasion or event and expressed in Indian currency.
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.
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.
American Express Travellers Cheques
Why should I take Travellers Cheques on my next trip?
American Express Travellers Cheques are recognised around the world. They are safer than cash, and if lost or stolen can be replaced worldwide, usually within 24 hours. Travellers Cheques also enable you to budget, track and control your travel expenses easily. They provide complete peace of mind when traveling for business or pleasure.
What types of Travellers Cheques are available?
American Express Travellers Cheques are available in 6 international currencies and in convenient denomination. Travellers Cheques are available in the following currencies
Purchasing Travellers Cheques
Where do I purchase Travellers Cheques?
You can buy Travellers Cheques at participating banks and Full Fledged Money Changers (FFMCs). Visit our Travel Service Locator to find your nearest American Express office.
Is there a fee to purchase Travellers Cheques?
Fees vary from establishment to establishment. Some establishments charge a nominal fee, while others offer Travellers Cheques fee free as a service to their customers.
Where can I use my American Express Card to purchase Travellers Cheques?
At this time, it is not possible to purchase Travellers Cheques with your American Express Card.
Do Travellers Cheques expire?
Travellers Cheques never expire. Unused Cheques can be saved for future trips. Under current regulations Indian citizens are permitted to hold unused Travellers Cheques up to US$ 2,000 at home for future use.
Can I accept Travellers Cheques from another person?
Yes, you can accept Cheques from another individual. You must watch the person countersign the Cheque in the lower left-hand corner and compare it with the original signature. If the Travellers Cheque has already been signed in both the upper and lower corners, or if you have any questions about the validity of a Cheque, call an American Express Travellers Cheque Customer service centre. After accepting a Travellers Cheque from another individual, you may only deposit it into your own bank account.
Cashing Travellers Cheques
How do I cash Travellers Cheques?
Simply present the Cheque at the exchange or merchant location. Make sure the acceptor watches while you countersign the Cheque in the lower left-hand corner.
Where can I use Travellers Cheques?
American Express Travelers Cheques are recognized around the world. In the U.S. they can be used like cash at retail locations, hotels and restaurants. Outside the U.S. they can be used like cash at many locations, or exchanged for local currency at banks, currency exchanges, and American Express Travel Service locations. For more information on using your Cheques, including exchange locations, please visit www.aetclocator.com.
Where do I sign Travellers Cheques?
When first purchased, Travellers Cheques must be signed in the upper left-hand corner in order to be reimbursable if lost or stolen. When the Cheques are cashed, make sure the acceptor watches while you countersign the Cheque in the lower left-hand corner.
What happens if I sign the Cheque in the wrong place, or my signatures don't match?
Acceptance of Travellers Cheques is based on the acceptor watching the customer sign the Cheque in the lower left corner, and then comparing that signature with the original signature in the upper left corner . The acceptor must observe the customer signing the Cheque. If the signatures are a reasonable match, the Cheque should be accepted. As always, if the acceptor is unsure, they should call an American Express Travellers Cheque customer service centre.
When do I fill out the date on my Travellers Cheque?
The date, in the upper right-hand corner, should be filled out upon use, just like a personal cheque.
Is there a fee to cash Travellers Cheques?
Normally there is no fee when you use Travellers Cheques to pay for goods and services at shops, restaurants, and hotels. Some establishments, primarily outside of the U.S., as wells as some banks, may charge a fee. For more information on using your Cheques, including exchange locations, please visit www.aetclocator.com.
When purchasing goods or services,if I don't use the full face value of the Travellers Cheque, will I get change back?
Yes, you will get change back, just like cash.
Replacing Travellers Cheques
What happens if I lose my Travellers Cheques?
If your Travellers Cheques are lost or stolen, contact an American Express Travellers Cheques customer service centre immediately. They will provide you with step-by-step instructions for reimbursement.
To ensure your reimbursement, remember to keep a record of all the Travellers Cheques serial numbers in a safe location separate from your Cheques.
Where can I get my Cheques reimbursed?
If your Cheques are lost or stolen, you must contact an American Express Travellers Cheque customer service centre immediately. They will provide you with step-by-step instructions for replacing your Cheques at your nearest Travel Service Location.
What should be done with a deceased person's unused Travellers Cheques?
The estate beneficiary or executor should take the Travellers Cheques, the death certificate, and any other estate papers designating the beneficiary to their bank, or the estate's bank, and instruct the bank to call an American Express Travellers Cheque customer service centre for further instructions.
VKC Forex Citi bank World Money Card
Why VKC Forex Citibank World Money Corporate Card?
Load your Foreign exchange on India's first prepaid foreign currency denominated Card. The Card offers convenience and the acceptance of a debit Card. What's more, the Card can also be used to withdraw cash at VISA ATMs around the world. It's safe, hassle-free and available at leading Money Changers and select Citibank branches.
VKC Forex Citibank World Money Corporate Card is available in four currencies (US Dollars, Pound Sterling, Euro, Australian Dollars, Singapore Dollars) and can be used in any country where VISA network is present. Load your Card with the currency of your choice before you leave India and enjoy all the benefits of a debit Card with VKC Forex Citibank World Money Corporate Card.
With Citibank World Corporate Card you can shop at millions of VISA Merchants Establishments. Besides this you can also withdraw cash from over 1.6 Million VISA ATMs (that display the VISA logo), 24-hour a day in over 200 countries. What's more, the Card is protected against misuse at ATMs with a secure 4-digit APIN (ATM Personal Identification Number).
VKC Forex Citibank World Money Corporate Card is valid for three years and can be re-loaded with additional funds in hours making it convenient for those who wish to undertake multiple trips.
The Most Convenient Way to Pay
Your VKC Forex Citibank World Money Corporate Card is just like your debit card, it can be used at millions of VISA Merchant Establishments to settle your hotel bills, car rental bills and all your purchases. Remember to choose 'CREDIT' as your account option when prompted for in an Electronic Data Capture Machine.
Cash in Local Currency 24x7
Your VKC Forex Citibank World Money Corporate Card can be used to withdraw cash at over 1.6 Million VISA ATMs around the world. What's more, the cash you withdraw is available to you in the local currency of the country you are in, thereby eliminating the need to look out for a Money Changer and assuring superior exchange rates.
Please Note: ATMs may have daily withdrawal limits and this will change from one bank to another. Certain banks levy additional charges for cash withdrawals. Always ensure that you select the 'credit' option when prompted for account type at the ATM.
Reload when you want it
Your VKC Forex Citibank World Money Corporate Card is re-loadable and is valid for a period of three years. Within this period you can use your Card as many times as you like. On your next trip overseas, you can recharge your Card at your Money Changer. Simply fill in the reload coupons given to you along with the necessary documents; your Card will be credited with the new amount in hours. This is subject to RBI regulations. (For latest on RBI regulation: www.rbi.org.in)
Your Money Back
When you return home, you can either choose to retain the unspent balance in your Citibank World Money Card for future trips or have this reimbursed in Indian Rupees. Please contact us to encash the unspent balance in your Card. Conversion to Rupees is at Card rate prevailing at the time of encashment
Please Note: When you return from overseas you can retain your Card only if the balance remaining is below the amount stipulated by RBI. If you have a balance in excess of this threshold amount you will have to cash out the amount in excess of the said amount or the full balance amount within 180 days of your return. Please check with your Money Changer / Citibank branch for the latest regulation on this and the threshold amount, which can be maintained on the VKC Forex Citibank World Money Corporate Card.
Stay in touch with your account
You can stay in touch with your VKC Forex Citibank World Money Corporate Card account from anywhere in the world; In addition to the monthly statements sent by e-mail, Citibank allows you to access your account through Citibank Online, the Internet banking facility, simply log on to www.citibank.co.in and you can do the following:
• Check available balance
• Check unbilled transactions
• Transactions after last statement date
• Past statements (by period)
• Request for a change in your contact details - Address, Contact numbers and e-mail ID
You will need an IPIN (internet access password) to access your account online. The IPIN would be shared along with the card welcome pack.
CitiAlert on Demand:
Balances can be enquired through SMS from your mobile. All you need to do is SMS 'BAL' followed by the last 4 digits of your VKC Forex Citibank World Money Corporate Card to 52484.
Please Note: This service is presently restricted to India and will not work while you are on International roaming. Please update your contact information at Citibank online (www.citibank.co.in ) / CitiPhone to ensure your mobile phone number is updated accurately.
How to get my VKC Forex VKC Forex Citibank World Money Corporate Card?
You can purchase VKC Forex Citibank World Money Corporate Card (CWMC Card) any time before you travel, from any of our branches across India. The Card can be taken for a minimum amount of USD/GBP/EUR/AUD/SGD 250. It is not mandatory for you to hold a Citibank account to get a VKC Forex Citibank World Money Corporate Card.
Each individual will be entitled to purchase one Card, which can be loaded/reloaded only up to the foreign currency threshold as defined by RBI under Foreign Exchange Management Act, based on the nature of travel. The Card account will be issued in the name of the Cardmember and may be used only by him/her for cash withdrawals/purchases. Only the latest CWMC Card purchased by you will be active at any given point of time.
Please Note: Your Card will be activated within 24-hour from purchase.
Can the Card be used at ATMs?
You can use your VKC Forex Citibank World Money Corporate Card at ATMs that display the VISA logo 24-hour a day.
• ATMs will have daily withdrawal limits and will change from one bank to another.
• Certain banks levy additional charges for cash withdrawals.
• Always ensure 'Credit' option is selected in the ATM when prompted for account type.
You can also locate your nearest ATM by logging on to VISA ATM locator at http://visa.via.infonow.net/locator/global/
VKC Forex Citibank World Money Corporate Card cannot be used for withdrawing cash in India, Nepal and Bhutan.
How to access your account ONLINE?
To access your account online log on to www.citibank.co.in , you will need an IPIN to access your account online. You can generate your IPIN, if you don't have one, by logging on to https://www.citibank.co.in/ssjsps/ssindex.do
What are the limits on VKC Forex Citibank World Money Corporate Card?
The Card can be purchased for a minimum of USD/GBP/EUR/AUD/SGD 250 and can be loaded/reloaded only up to the foreign currency threshold as defined by RBI under Foreign Exchange Management Act, based on the nature of travel.
Lost Your Card?
Should you ever misplace your VKC Forex Citibank World Money Corporate Card, simply call our 24 hours international toll free helplines to report the loss. A replacement Card will be sent to you within 96 hours. If you are travelling, you can request for the replacement Card to be sent to your current location. Replacement Cards will be sent only to those locations that are serviced by our regular couriers.
Customer Service Number List:
Toll Free Number for USA: 1-800-506-9598
Toll Free Number for Hong Kong: 800-964932
Toll Free Number for the following countries: 00-800-4663-2484
From everywhere else: 022-2823-2484
E-mail us for any queries at firstname.lastname@example.org.
Important Customer Information
VKC Forex Citibank World Money Corporate Card cannot be used for withdrawing cash in India, Nepal and Bhutan
- VKC Forex Citibank World Money Corporate Cards are valid for 3 years and can be used for multiple trips
- Your Card can be reloaded any number of times and can be loaded/reloaded only up to the foreign currency threshold as defined by the RBI under Foreign Exchange Management Act, based on the nature of travel
- When you return from overseas you can retain your Card only if the balance remaining is below the amount stipulated by the RBI. If you have a balance in excess of this threshold amount you will have to cash out the amount in excess of the said amount or the full balance amount within 180 days of your return. Please check with your Money Changer / Citibank branch for the latest regulation on this and the threshold amount, which can be maintained on the VKC Forex Citibank World Money Corporate Card
- When your VKC Forex Citibank World Money Corporate Card is swiped on a swiping machine (Electronic Data Capture Machine) please ensure "Credit" option is selected under the Card type. The Card may be declined if 'SAVINGS' is selected
- VKC Forex Citibank World Money Corporate Cards are accepted at VISA ATMs (ATMs that display VISA Logo). While withdrawing cash at ATMs please select, "CHECKING ACCOUNT" as your account type. In cases where this option is not available, please select "CREDIT ACCOUNT"
- Usage of this Card is subject to the regulations stipulated by the Reserve Bank of India and the Foreign Exchange Management Act, 1999. (For latest on RBI regulation: www.rbi.org.in)
VKC Forex Axis Bank Travel Currency Card
What is VKC Forex Axis Bank Travel Currency Card?
The VKC Forex Axis Bank Travel Currency Card is available in 9 currencies US / Australian / Canadian / Singapore Dollars, Euros, Sterling Pounds, Swiss Francs, Swedish Kroner and Japanese Yen currencies on VISA platform. The US Dollar variant is also available on MasterCard platform
What are the currencies available in Travel Currency Card?
The VKC Forex Axis Bank Travel Currency Card is available in US / Australian / Canadian / Singapore Dollars, Euros, Sterling Pounds, Swiss Francs and Swedish Kroner currencies on VISA platform. The US Dollar variant is also available on MasterCard platform. You can use the Travel Currency Card in any country where VISA has an acceptance. All the currency variants are accepted worldwide. This implies that you can take any of the above card and travel to any country and still get the local currency. The local currency is dispensed after applying the cross currency charges, as applicable at the time of the transaction. Your card account will be debited in the equivalent of the base currency taken by you.
Can this card be used in India?
No! You can use the card only for checking the balance and changing the PIN at Axis Bank ATMs. No financial transactions are allowed in India, Nepal & Bhutan, under FEMA guidelines.
What documents do I need to submit when I purchase/ reload Travel Currency Card?
You will have to submit a copy of the following documents to Axis Bank Branch or Money Changer along with the application form for the Axis Bank Travel Currency Card
||At the time of Purchase
||At the time of Reload
||Already Available - Not Required
||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
||Same trip not required
||Compulsory in case of next tripSame trip not required
||Compulsory when PAN / GIR not available
||Compulsory when PAN / GIR not available
What are the costs involved at the time of purchase?
||Card Issuance Fee
||Add-on Card Fee
|Rs. 150 + taxes
||Rs. 100 + taxes
||Rs. 100 + taxes
Rs. 250 + taxes
Rs. 150 + taxes
Rs. 150 + taxes
Rs. 300 + taxes
|Rs. 200 + taxes
||Rs. 200 + taxes
Can I buy more than one Travel Card from Axis Bank?
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.
Can I get one card loaded with multiple currencies, if I am traveling to two countries?
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.
When can I use the card after purchase?
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.
How can I confirm if my card has been loaded/reloaded?
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.
How much money can I load onto my Travel Currency Card?
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:
||Minimum Issuance Amount
||Minimum Reload Amount
How can I use this Card to withdraw Cash?
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.
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 / Mastercard ATMs worldwide. This PIN can be changed (only) at any Axis Bank ATM in India.
Which ATMs accept the Travel Currency Card?
All ATMs overseas displaying the Visa or Plus symbol will accept your Axis Bank Travel Currency Card.
Will I find VISA ATMs where I am going?
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 website http://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.
Is there a fee levied for the use of VISA ATMs?
There is a transaction fee levied at various ATMs for cash withdrawal & Balance Inquiry as per the table hereunder:
||Minimum Issuance Amount
||Minimum Reload Amount
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.
What options should I choose to withdraw cash from the ATM?
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.
What if I have forgotten my ATM PIN?
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 email@example.com for generation of a new PIN.
Does the Visa ATM display the foreign exchange rate of conversion?
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.
Can I use my Travel Card in currencies other than the base currency (currency variant in which the card was purchased)?
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.
Whom should I contact, in case I have any dispute on a transaction?
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:- firstname.lastname@example.org for doing the needful.
Can I reload the card?
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.
Is remote reloading possible on the card?
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.
How do I withdraw the remaining cash from my card if it is too small for a cash machine to dispense?
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.
How can I get a refund of unspent balances?
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.
Do I need to surrender the card at the branch at the time of encashment or can I retain the same?
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.
What do I do if my card is lost or stolen?
You can call the 24- hour helpline 91-22-67987700 or send an email to email helpdesk email@example.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.
Is there any other way in which I can keep a track of my balance and the latest transactions?
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.
What important points should I keep in mind for using the card at Merchant Outlets?
- 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.
What should I do if I lose my Travel Currency Card/ATM PIN or Internet banking password?
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: - firstname.lastname@example.org
VKC Forex Global Currency Card
What is the VKC Forex Global Currency Card?
VKC Forex Global Currency Card is a pre-paid foreign currency card that makes your foreign trip totally hassle-free and convenient. You can load this pre-paid card with foreign currency in India and use it to withdraw cash in the local currency from VISA / MASTERCARD / AMERICAN EXPRESS® ATMs and merchant establishments accepting VISA / MASTERCARD / AMERICAN EXPRESS® Flag cards.
The Card is sold through ICICI Bank branches and select money changers. The Card also comes with never before features including travel insurance, emergency assistance, advanced account management features.
In which currencies are the VKC Forex Global Currency Card available in?
So the US Dollar card will have USD loaded on to it (just like the USD Traveler's Cheque). The Card will work in all countries and will dispense local currencies only on usage at ATMs, but in case the US Dollar card is used in say Europe, conversion charges from USD to Euro will be applicable.
Why should I use an VKC Forex Global Currency Card?
An VKC Forex Global Currency Card ensures that you have a hassle free business or pleasure trip abroad. Instead of spending time encashing travelers cheques or changing money though Money Changers, The VKC Forex Global Currency Card ensures that you have 24-hours instant access to your funds. Apart from time and effort, you would also save money by getting the most competitive foreign exchange rates. Since it is a pre-paid card, it also helps you budget and plan your expenses. It also ensures that you spend your time in your business or leisure trip or abroad productively with an assurance of having an access to a wide network of people who are in stand by in case you were to need any help
How does this pre-paid card work?
Your pre-paid Global Currency Card is loaded with funds at the time of purchase. You can use the card for cash withdrawal or for shopping at merchant outlets. With each transaction, the remaining value on the card decreases. You can continue to use your card as long as some funds remain on the card account. You can reload the card with more funds before your next trip when you return to India.
This card cannot be used in India, Nepal & Bhutan.
What is the schedule of charges?
Schedule of Charges
||US Dollar Card
||Swiss Franc Card
|Card Fees and Replacement
||One time card joining fee
||Lost card replacement charges at foreign locations
||Lost card replacement in India
|ATM Usage Fees**
||Cash withdrawal at ATMs
||Balance enquiry at ATMs^
|Payments to merchants directly using POS terminals
*Some of the ATM acquires charge additional ATM fee. You are advised to check the same before the usage.
**Service Charge Extra
What needs to be done incase Hotels/Car Rentals take a Pre-Authorization?
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.
What is the Insurance available on the card?
|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
||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)
||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.
||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.
||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.
What is the Insurance Claim Process?
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.
Where do I call if I need some assistance?
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
Can the VKC Forex Global Currency Card be used over the Internet?
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.
Is remote Loading of the card possible?
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.
Is temporary block facility available on the card?
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.
How do I track my transactions from wherever I am in the world?
Web-based Access to Account Information:
"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)
If the merchant says that the card is not working, what is to be done?
• 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.
What are the minimum and maximum amounts one can load on purchase?
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.
If I am traveling to two countries, do I get the different currencies loaded on same card?
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.
Can I transact in currencies other than base currency (dollar ,euros, pounds etc) using the Global Currency Card?
Yes, VKC Forex Global Currency Card allows transactions (cash withdrawal and point-of-sale transaction) in any local currency. For any currency other than the base currency, there will be an exchange rate which will be applied.
What exchange rates are applied when a transaction is made on the card?
For transactions done in the base currency, there is no exchange rate applicable. However, for transactions other than in the Base Currency, VISA / MATERCARD wholesale rates or Global Network (Incase of AMERICAN EXPRESS® ) rates would apply.
What documents are needed during purchase/recharge?
During purchase of a VKC Forex Global Currency Card, customers need to provide the following:
• A2 form
• PAN / Form 60 (in case you do not have a PAN number)
They would also need to fill up and sign the VKC Forex Global Currency Card application form. The same documents need to be provided at the time of recharge along with the photocopy of the front of the card. The card numbers will be masked in the e-mails for security.
Can one buy more than one VKC Forex Global Currency Card?
A customer can buy at most one VKC Forex Global Currency Card (of the same currency) at a time. He/she can however buy more than one VKC Forex Global Currency Cards in different currencies.
Can the card be used in India?
No the card cannot be used in India, Nepal & Bhutan. Balance enquiry is allowed free of charge in ICICI Bank ATM in India.
Can a Global Currency Card be recharged over phone or from abroad?
To reload the card, customers need to remit funds to the ICICI Bank branch or the Money Changer and submit the necessary documents. Customers can get in touch to their money changer or Bank branch for this facility. Corporate travelers can get cards charged by their authorised signatories providing the documents and the necessary funds.
Can one retain the foreign exchange on the VKC Forex Global Currency Card after returning to India?
One can retain the card only if the balance remaining on the card is less than $2000. Else the amount needs to be refunded within 90 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.
*As per RBI regulations.
How can I confirm if my card has been charged?
You would get an SMS confirmation shortly after your card is loaded or reloaded or refunded. You may call up our customer care center also to know your balance. You can login into the website and check the transactions anytime. You can also walk into the nearest ICICI Bank ATM to check the balance on your card (balance will be displayed in rupees)
How do I withdraw cash from an ATM using the Global Currency Card?
• Check for VISA / MASTERCARD / AMERICAN EXPRESS® logos at the ATM.
• Insert the card in the card slot of the ATM
• Enter the ATM PIN of the card.
• For the type of card/account, please select 'Credit Card'
• Enter the amount of cash needed.
*Some of the ATM acquirers charge additional ATM fee. You are advised to check the same before the usage.
Is there a limit to the maximum amount of cash that I can withdraw?
Daily withdrawal Limit
|Swiss Franc Card
|Canadian Dollar Card
|Australian Dollar Card
|British Pound Card
|USD Card on American Express
This limit has been kept in place to prevent misuse in case you have misplaced the card
Are there any charges for using a ATM?
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
How can the customer maximize saving using the VKC Forex Global Currency Card?
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.
What if I forget the ATM PIN of the VKC Forex Global Currency 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.
Why would I need a replacement card?
One may need a replacement card if the card gets stolen/lost, or if the magnetic strip stops working..
Whom should I contact when I need a replacement card?
Contact the 24-hour ICICI Bank Customer Care Center on +91 22 2830 7777 for the replacement card.
Call +91 22 2830 7777.
How fast can I get my replacement card?
The card would be shipped within 48 hours to select locations serviced by our courier.
Will my ATM PIN of the replacement card continue to be the same as the ATM PIN of the earlier card?
No. the customer will receive a new ATM PIN along with the replacement card. The customer need to use that for transacting at ATMs.
How can I apply for a refund on the card?
To apply for a refund, please visit your nearest VKC Forex branch. You need to fill up an Refund Form and provide copies of your VKC Forex Global Currency Card and your passport. The funds will be returned to you immediately.
How long does it take to get the refund?
Customers can get the refund immediately upto the amount of balance remaining on your VKC Forex Global Currency Card. In case there are some unsettled transactions, there could be an additional delay of upto 7 days.
How is the VKC Forex Global Currency Card secured against unauthorised cash withdrawals from ATMs?
The Global Currency Card comes with advanced security features. To withdraw cash from a VISA ATM using the pre-paid card, customers need the confidential ATM-PIN which is available only to the customers. The ATM-PIN is issued at the time of card purchase. Customers need to remember the 4 digit PIN number and destroy the document. Do not write in on the card. The card would be blocked after 4 unsuccessful PIN attempts. This ensures that anyone having access to the card cannot use the card.
What should one do to prevent unauthorised usage in case I lose the card?
The card comes with zero lost card liability after its loss being reported. Immediately report the loss of the card by calling up the customer care center. ICICI Bank would block the card from any further usage. On request, the Replacement Card can then be activates. In case the Replacement Card is also lost, a replacement card would be shipped to an address of the customer's choice.
What security features are implemented to prevent unauthorised usage of replacement cards before it reaches you?
The replacement card would be couriered along with its ATM PIN by courier. The card goes in a deactivated stage.
The card can be activated only when the customer call up our Customer Care center and confirm the receipt of the card in proper condition. Without this verification, the card would not be enabled for transactions.
HDFC Forex Plus Card
What is the HDFC Bank ForexPlus card?
The HDFC Bank ForexPlus card is a magnetic strip based Pre-paid Card introduced in partnership with Visa / Mastercard International, which offers you a convenient and secure way to carry your forex cash. This card offers you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates. It can be used at all Visa / Mastercard ATMs and Merchant establishment worldwide. This card cannot be used for payments in India, Nepal or Bhutan.
What are the currencies available for HDFC Bank ForexPlus card?
The HDFC Bank ForexPlus card is currently available in 9 currencies, Australian Dollar, AED (Dirhams) Canadian Dollar, Euro, Japanese Yen, Singapore Dollars, Sterling Pound, Swiss Francand US Dollar.
Where do I get this card?
This card is available over the counter at all VKC Forex branches. You simply need to walk into the branch, fill in the required documentation, fund your card and walk out with the Card pack. The card will get activated within hours of the funding being done.
How does this card work?
Your HDFC Bank ForexPlus card will be activated with the loaded AUD / AED / CAD / CHF/ Euro / GBP / JPY / SGD and USD within hours of the bank getting the clear funds from you. Once active, the card can be used at any international location. (Usage of the card is not allowed in India, Nepal and Bhutan.)
The HDFC Bank ForexPlus card works just like a Credit Card for purchase transactions at Merchants' Establishments that have an electronic terminal. The only difference is that the transaction amount is directly debited from your HDFC Bank ForexPlus card balance. Your HDFC Bank ForexPlus card is accepted at over all Merchant Establishments displaying the Visa / Mastercard symbol.
The card can be used to withdraw cash at all Visa / Mastercard ATMs worldwide. Irrespective of the currency of the card, the cash will be in the currency of the country. Only ensure that you remember the PIN given to you with the card pack. The same is unique for every card and cannot be changed at any domestic or international ATM.
What documents should I submit when I purchase the HDFC Bank ForexPlus card?
Application form for the HDFC Bank ForexPlus card and the form A2 (or any other Forex Documentation as mandated under FEMA) as well as a Photocopy of your current and valid Passport.
How soon can the card be used after it is purchased?
Your card will be activated with the loaded AUD / AED / CAD / CHF/ Euro / GBP / JPY / SGD and USD within a few hours of the bank having received the clear funds from you. Post activation, the card is ready for use.
Are there any transactions for which this Card should not be used?
Yes, your card should not be used for temporary charges - e.g. paying deposits at hotels, hiring of cars etc. Incase you have paid these deposits using the ForexPlus card and the hotel/car rental agency etc. settles for an amount lesser than the deposit amount or you pay through a different mode the balance amount will get credited into your account only after 35 days from the transaction date.
Note: the Bank reserves the right to charge the Card holder for any unauthorized amounts.
Can the value of the card be topped up?
Yes, Remote reload -by anybody other than yourself is also possible. The person authorised by you for the same will need to come to the branch with the money and will need to provide the necessary documents. On receipt of the application form and the funds, your card will get reloaded for the desired amount.
Can the ATM PIN be changed?
No, the ATM PIN cannot be changed at any of the HDFC Bank ATMs.
What if I forget my ATM PIN?
You can call the HDFC bank PhoneBanking for assistance. A new PIN will be sent across to your mailing address with the bank.
How will I know which ATMs accept the HDFC Bank ForexPlus Card?
All ATMs displaying the Visa/ PLUS / Mastercard Logo will accept the HDFC Bank ForexPlus Card.
Whom should I contact if my card is lost or stolen?
In case of loss of card please report the loss immediately.
• Call PhoneBanking 022 - 6160 6161 or
• Log on to the online facility for Prepaid Cards on www.hdfcbank.com and hotlist your ForexPlus Card
You will not be liable for transactions on your Card Account (if any) from the moment your report is registered with the bank.
Who should I contact for my replacement Card? Is there a charge for replacement?
You can call the HDFC Bank PhoneBanking number of your city and ask for replacement of your HDFC Bank ForexPlus card. The reissued card will be sent to your domestic address with the bank.
The charges for the Reissue of the Card are given in the Schedule of Charges.
What is the maximum value for which the Card can be used?
There is no limit imposed on the usage of the Card. Customer's can withdraw/utilise any amount, upto the loaded value on the card at any ATM/POS. However, there are some ATMs which have a per transaction limit on every withdrawal that they honor, which cannot be changed by the Bank. Hence, in such cases the cardholder might need to do multiple transactions if he wants to withdraw a higher amount.
How to activate e-commerce on my card?
Follow 2 simple steps
Step 1: Log on to Prepaid card NetBanking.
Step 2: Enable your e-commerce transaction facility to make purchase
MoneyGram is a global leader in worldwide money transfer services, working closely with specially chosen agents in 227,000 locations across 190 countries and territories. We provide a secure way to send and receive money to and from your loved ones worldwide – and we'll make sure that your money gets to where it's needed quickly.
Why choose MoneyGram?
- It's quick – your money is where it's needed in just 10 minutes.*
- It's convenient – with 227,000 money transfer agents around the world, you're never far away from MoneyGram.
- It's available to everyone – you don't need a bank account or credit card.
- It's easy – just visit a MoneyGram agent and complete one simple form.
- It's personal – you can add a complimentary 10-word message.
How do I send money?
Follow the below 5 simple steps to send money:
Step 1: Find a MoneyGram agent.
Step 2: Take some personal identification* and visit the money agent.
Step 3: Complete a simple 'send' form and hand this to the MoneyGram agent along with the money that want to send and the transfer fee†. A free 10-word message can be included on the form.
Step 4: The agent will provide a reference number.
Step 5: Contact the person to whom the money is being sent, and give him/her the reference number. The money will be ready to collect in just 10 minutes.**.
How do you receive money?
3 simple steps to receive money:
Step 1: Get the reference number from the person who is sending you money and this will help speed up the collection.
Step 2: Visit a MoneyGram agent taking some identification* and the reference number with you.
Step 3: Complete the simple 'receive' form and show the identification. They will then be given your money, usually in the local currency.
* You may be required to provide personal identification, usually one or more of the following: passport, driving license, national identity card or a government issued identification. You may also be required to provide proof of address (bank statement or utility bill). Requirements vary by country so please ask your local MoneyGram agent for acceptable identification formats.
**Subject to the receiving MoneyGram agent's availability and hours of operation, and local regulations.
† In addition to the transfer fees applicable to a transaction, a currency exchange rate set by MoneyGram or its agents may be applied. Prices subject to change.
Inward Remittance Limit
It is a fact that there is no need to obtain Foreign Inward Remittance Certificate(FIRC) for any of your remittances to India if they involve your relatives.
- The FEMA(Foreign Exchange Management Act), who takes care of all the foreign exchanges happening in India, does not specify any restriction to the amount of money sent to India. A reason for that could be to increase the foreign exchange inflows to the country.
- For business purposes, no need to provide FIRC for getting tax concessions. Thus, if the business is an export business, it is mandatory to have a FIRC for every remittance.
Be very suspicious if you receive the following:
- A check or money order sent to you, with instructions to cash the item at your bank, then send some of the funds to someone else through MoneyGram. If the check is counterfeit your bank will make you cover the loss. Be aware that counterfeit checks are very hard to identify.
- A telephone call telling you that you have won money or a prize and that you need to send money to pay for taxes, customs fees, etc.
- A response to your newspaper ad for a lost pet or lost personal items, as fraud perpetrators are known to use the classified ads to contact people and pretend they have found their lost item.
- A suggestion from a stranger to send money to a friend or relative as a show of "good faith" because legitimate business is not conducted this way. You will be told that, by sending the money in the name of a friend, they will not be able to collect the funds. That is not true. Con artists often use fake identification to pretend to be someone else.
- An email that appears to be from MoneyGram, no matter how real it looks. We are not an Internet escrow or shipment service and will NEVER send an email confirmation to inform a person that they have received a MoneyGram transfer for payment of an Internet purchase.
- Instructions to mislead MoneyGram are a clear warning sign that something might be wrong. Con artists will be familiar with MoneyGram's efforts to prevent fraud. If someone tells you to not share the details of your transaction with MoneyGram, then you should not continue with the transaction.
Here are some ways you can protect yourself:
- Buying items on the Internet. Be very careful if you are sending money to pay for merchandise purchased online. Many Internet auction sites provide an assured payment system that offers greater protection for the buyer and seller.
- Using the MoneyGram® money transfer service. For the convenience of our customers, some transactions sent to a specific destination may be received in another country. Please do not assume your money transfer is safe because you specified a country for the transaction. Also, if a recipient has photo identification and knows pertinent information about the transaction and the sender, a reference number or the answer to a test question may not be required to pick up the transaction. Please be careful to whom you send money, keeping your transaction information confidential, and be suspicious of anyone who wants you to send money to them (or someone else) with a test question.
- It may be too good to be true. Research thoroughly before sending money in response to a newspaper or magazine ad for airline, concert or similar tickets. The same is true for offers of loans or credit cards where you are asked to send money for fees before signing any documents. Be suspicious of very cheap deals. MoneyGram cannot ensure that the goods or services you are paying for will be received.
Here are some resources available to you in the United States:
- Report fraud. To report fraud to the Internet Fraud Complaint Center, visit www.ic3.gov/. This is a partnership between The FBI and the National White Collar Crime Center. For a list of different types of fraud schemes or to report a fraud, you can also visit www.consumer.gov/sentinel.
- Call before you send money. If you are suspicious, contact the Better Business Bureau, AARP or your local Attorney General before sending any money.
- Canadian fraud. Many scams ask for money to be sent to Canada. For Canadian issues, call PhoneBusters toll-free at 1-888-495-8501 - this is a joint effort of U.S. and Canadian law enforcement to fight telemarketing fraud.
FRAUD WARNINGS! STOP!!
Please read the questions below carefully to help us protect you from becoming a victim of fraud or a scam.
Are you sending money:
- to someone you don't know or whose identity you cannot verify?
- to prove to someone that you have the available funds to buy a car, other goods, or to rent a property? Are you being asked by any 3rd party to provide any details about this transaction in part or in full by phone, email, fax or website?
- to buy a product/ service or a pet via the internet or anywhere else in response to any offer that sounds very cheap in comparison to their expected price or looks "too good to be true"?
- to claim lottery or prize winnings, inheritance, for a "guaranteed" credit card, loan offer, refund of bank charges or attractive investments?
- in response to an internet offer, letter or phone call that asks you to send money for a "job offer" or "mystery shopping" or a "charity"?
- to someone at home or overseas who claims to be your relative needing cash for an "emergency" and you are unable to verify independently if the caller and the claims are genuine?
- to someone you met in an on-line chat room or dating web site for financial assistance? Examples: airplane ticket, medical bills, helping a relative, cashing a check, investing in a business deal, etc.
- to buy goods and services from someone who specifically recommends money transfer through MoneyGram as the preferred mode of payment?
IF you answered YES to any of these questions, DO NOT SEND the money transfer - someone may be trying to STEAL YOUR MONEY. Remember neither MoneyGram nor its agents will be liable if you ignore the fraud warnings above and still choose to send money for any of the reasons listed above.
Send Money Fast
With Western Union Money Transfer, its quick and easy to send money to your family back home in India. Our money transfer options offer you the convenience and dependability you need -- and the peace of mind you deserve.
What is Western Union?
Western Union Financial Services, Inc. is a global leader in money transfer and messaging services. Known for its pioneering telegraph service, Western Union dates back to 1851 and introduced electronic money transfer service in 1871. Western Union has thousands of Agent locations in countries and territories worldwide.
What is the Western Union Money Transfer service to India?
You can use cash to send money to India from participating Agent locations around the world. You can also send money to India online or by phone from the U.S. and Canada. Use your credit* or debit card** to send online or by calling 1-800-CALL-CASH.
*If you use your credit card, you may be charged an additional cash advance fee by your card issuer for this service.
**U.S. or Canadian bank-issued cards only.
Who uses the Western Union Money Transfer service?
Anyone who needs to send money quickly and reliably.
What are the benefits of using Western Union to send money?
It's RELIABLE - Each transfer is protected by an advanced worldwide security system and can be verified with a unique Money Transfer Control Number (MTCN). In addition, Western Union's Agent locations in India are authorized by the Reserve Bank of India.
- money is available minutes after it is sent, subject to Agent location's hours of operation.
It's CONVENIENT - it's your choice. You can send money to India online, by phone, or from an Agent location. Plus, there's no need to have an account.
With thousands of Agent locations worldwide, there's sure to be a Western Union Agent location that's convenient for you.
Can money be sent from India?
No. Western Union offers "receive" or payout service only in India.
Can a business use the Western Union Money Transfer service to send money?
No. Due to Indian government regulations, the use of the Western Union Money Transfer services to India by businesses is not permitted.
Is Western Union authorized by the Reserve Bank of India (RBI)?
Western Union's Agents in India are authorized by the Reserve Bank of India.
Do I need a bank account to use the Western Union Money Transfer service?
To send or receive money at an Agent location, Western Union does not require credit cards, bank accounts, memberships or citizenship papers. Receivers in India may need to show a currently valid government-issued photo ID. Additional information may be necessary to meet government requirements depending on the amount being sent or received. To send money online, you will need a U.S.- or Canadian-based Visa® or MasterCard® credit or debit card. To send money via 1-800-CALL-CASHSM, you will need a U.S.-or Canadian based Visa®, MasterCard® or Discover® credit or debit card.
How much money can I send to India via Western Union?
There is a $2,500 US Dollars maximum limit set for remittances to India due to the regulations of the Reserve Bank of India
What currencies can I send via Western Union?
Generally, Agent locations only except cash in local currency. You cannot send money from India. The receiver in India will be paid out in Indian rupees.
How do I send money at a Western Union Agent location?
A customer completes a To Send Money form at a Western Union Agent location.
- The clerk at the Agent location collects the transfer amount plus applicable fees and processes the transaction.
- The sender receives a Money Transfer Control Number (MTCN) to track the status of the order and to share with the receiver to pick up the funds in India.
How do I send money over the telephone or online?
You will need a U.S. or Canadian-based credit or debit card to send your money over the phone at 1-800-CALL-CASHSM or online. Other fees may apply.
What is the MTCN and why do I need it?
The Money Transfer Control Number (MTCN) is a number printed on your receipt that allows you and Western Union track your transaction. It is also required for the receiver to have the MTCN to pick up funds in India.
How can I ensure that my money gets there quickly?
Supply correct contact details in case Western Union needs to contact you. Also, be sure to have your recipient's correct full name and address. The recipient will be required to show valid identification and the MTCN.
How can I pay for a Western Union Money Transfer transaction?
All Western Union Money Transfer transactions sent from an Agent location must be paid in cash. Transactions originated by telephone - 1-800-CALL-CASHSM -and online must be paid for via a U.S. or Canadian-based credit or debit card
Where can money be picked up in India?
Western Union Agents are independent businesses that provide money transfer service to their customers on behalf of Western Union. In India, money may be picked up at any of the more than 50,000 participating Agent locations in over 650 cities:
Home delivery is also available nationwide in India. Cash will not be delivered via home delivery option. check or draft must be deposited into the bank account of the receiver only and is subject to clearing procedures of the local bank. Call 1-800-325-6000 in the U.S. or Canada. In India call 1-600-44-1851
How can I find a Western Union Agent location?
In the U.S., the South Asian toll-free number is 1-800-435-2226 where customer service representatives can assist you in Hindi, Tamil, Malyalam, Urdu and English. Customers can also find an Agent location online.
For any inquiries in India reach us* at:
- +91 80 2222 1851
- 1-800-425-1851 (Toll Free line, available to all MTNL/BSNL users in India)
- Users in India can SMS "WU CALL" and send to 53636 for a call back in some time.
How many Western Union Agent locations are there in India?
There are more than 50,000 Western Union Agent locations in India.
How do I receive money at a Western Union Agent location?
• The receiver completes a "To Receive Money" form at any Western Union agent location and provides a valid government-issued photo ID.
• The clerk at the Agent location then pays funds to recipient.
How long does it take to send money via the Western Union Money Transfer service?
Transfers are completed and money is available for pick-up at receiving Agent locations in India within minutes. (Subject to transaction approval and hours of operation of receiving Agent locations.)
Will my receiver be paid in cash?
Maximum cash payout amount for Indian nationals is 50,000 IN Rupee; payouts over 50,000 IN Rupee will be paid by local check. There is no cash payout limit for foreign passport holders in India. Cash will not be delivered via home delivery option. check or draft must be deposited into the bank account of the receiver only and is subject to clearing procedures of the local bank.
What type of exchange rate does Western Union apply to its transactions?
In addition to the transfer fees applicable to the transaction, a currency exchange rate set by Western Union will be applied. The exchange rate applied by Western Union provides customers with less foreign currency per dollar than Western Union receives when it obtains foreign currency. Western Union keeps the difference. The exchange rate varies daily. For information concerning the current currency exchange rates provided by Western Union, in U.S. call toll-free to
1-800-435-2226. Outside of the U.S., please contact your local Agent location.
Will my receiver have to pay any charges on the money sent?
No. The sender pays all fees
How do I know if my receiver has picked up the money?
From the U.S., to verify if the receiver has picked up the money or to track your transaction, call 1-800-432-2226 or track the status online. For better results, be sure to have your MTCN (Money Transfer Control Number) available.
During what hours is the Western Union Money Transfer service available?
Western Union provides service 24 hours a day, 365 days a year. Each Agent location determines its own hours of operation, although many Agent locations maintain extended hours of operation and some are open 24 hours a day.
Restrictions and Special Notes
Receiving in India:
- As a government requirement, maximum payout amount is not more than $2,500 US dollars (or IN Rupee equivalent) per transaction. Sender threshold amount has therefore been set at Indian Rupees 111,317 to ensure exchange fluctuations do not result in the transaction being declined to the receiver.
- Maximum cash payout for all Indian nationals and all residents (Indian or Foreign) is 50,000 IN Rupee; Payouts over 50,000 IN Rupee will be paid by local crossed check only.
- There is no cash payout limit for foreign passport holders in India.
- As a government requirement, a payee can only receive a maximum of 12 transactions per calendar year.
- Receiver must present valid identification.
- Receiver must present correct money transfer Control Number (MTCN).
- Will Call transfers to the states and Islands of Tamil Nadu, Kerela, Andhra Pradesh, Andaman/Nicobar or Pondicherry will be charged a special flat fee per transaction, regardless of principal amount being sent. The implementation of this special pricing for India is on a state level for India's coastal regions.
- Sender's full address must be included on all money transfers to India.
- Pursuant to Indian government regulations, money transfer payments are reserved for private consumer use only and cannot be used for commercial or business purposes, for purchase of property, or for investments.
- Test Question is not allowed.
- Paying location is required to maintain a photocopy of identification documents presented by the Receiver.
- A new International Money Transfer destination has been created called 'India Tsunami Region' for transfers to these regions. Please verify the destination state with the sender before sending to India.
- Money Transfer payments are reserved for private consumer use only and cannot be paid for commercial or business purposes, for purchase of property, or for investments.
Sending money to someone you don't know? You could be at risk for consumer fraud.
The Western Union Money Transfer® service is a great way to send money to people you know and trust. If you need to send money to someone you don't know well, you may be putting yourself at risk for fraud.
Because we care about consumers, Western Union urges you to protect yourself from fraud by considering the following:
If you think you have been a victim of fraud, please contact your local Western Union Agent.
- Never send money to a stranger using a money transfer service.
- Beware of deals or opportunities that seem too good to be true.
- Don't use money transfer services to pay for things like online auction purchases.
- Never send money to pay for taxes or fees on foreign lottery winnings
American Express Global Travel Card.
What is the American Express GlobalTravel Card?
The American Express GlobalTravel Card is a prepaid, reloadable Card that provides you with a more convenient, secure way to manage your money while you are travelling. It's not a credit or debit card. It's a prepaid Card, which means you load funds onto the Card and can then use the Card to make purchases virtually anywhere American Express is accepted outside of India — including at ATMs to withdraw cash. Since it's prepaid, there's no risk of spending more funds than you have on the Card. Packed with travel-friendly features, the American Express GlobalTravel Card also includes free access to emergency assistance, if needed, during your journey. And it's all backed with the world-class service offered from American Express.
Do I need to do anything before using my American Express GlobalTravel Card?
Before using your Card, sign the back, where indicated. Memorise or change the 4-digit Personal Identification Number (PIN) contained within the Welcome Pack, and then destroy the printed PIN information. To change your PIN, call Customer Service or go online. To view your PIN online, log in to your account. Keep your Backup Card safe and store it separately.
What is my PIN? How can I change my PIN?
This is a unique 4-digit number assigned to your Card enabling you to securely withdraw cash from ATMs that accept American Express, outside India. This 4-digit PIN number should be known only by you, and it is important to protect the security of your Card and PIN at all times. To change your PIN to a more memorable number, call Customer Service or go online. To view your PIN online, log in to your account.
How can I check my balance or view my transaction history?
You can check your balance and view your transaction history online at any time. To check your balance online now, log in to your account. To retrieve this information by phone, you may call Customer Service, 24 hours a day, 7 days a week.
Do my American Express GlobalTravel Card funds have an expiration date?
No. While there is a "valid thru" date indicated on the front of the Card, the available funds on the American ExpressGlobalTravel Card do not expire. The "valid thru" date is simply required to ensure that the Card can be used at merchants that request and/or require customers to provide a plastic expiration date during the transaction process. You may not use the Card after the "valid thru" date, but you can request a new Card be sent to you at no additional cost so you can use your remaining funds.
What should I do if my American Express GlobalTravel Card is lost or stolen?
If your Card is lost, stolen or used improperly, call Customer Service for assistance. Our Customer Service Center, open 24 hours a day, 7 days a week, will assist in activating your Backup Card and blocking usage of the lost or stolen Card. You will need to sign the back of your Backup Card immediately, and either memorise the enclosed PIN, or change it to a more memorable PIN. You will not need to re-register your Card online. We will do this for you upon activation.
In the event both Cards are lost or stolen, we can deliver a new Replacement Card to any location at no cost, and if necessary we can arrange emergency access to the funds available in your Card account, anywhere in the world, via Western Union.
What should I do if I need help in an emergency?
Sometimes the unexpected happens when you travel. A passport is lost. You come down with a sudden illness. A lawyer is needed. Being a Card member can make things easier to handle. Global Assist® Services help you prepare for your trip with customs information and destination guides. And while you're travelling overseas, lost passport replacement assistance, translation services, lost luggage assistance, and emergency legal and medical referrals are only a phone call away. For a detailed list of our Global Assist benefits, download the Global Assist Services guide.
Note: While Global Assist coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers. Global Assist services are not meant to replace any travel insurance.
How can I close my American Express GlobalTravel Card account?
In the event that you decide to close your American Express GlobalTravel Card account, call Customer Service. You can visit a participating branch location of the seller where you purchased the Card and ask for a reimbursement of available funds. Once your account is closed, please destroy any Cards by cutting them in half and disposing of them securely.
To close your account if there is no balance remaining, call Customer Service. For more details on account closure, please refer to the Product Terms & Conditions.
Can the American Express GlobalTravel Card have a negative balance?
If a merchant authorises a transaction for an amount greater than your actual available balance, the American ExpressGlobalTravel Card will generally be declined. However, in rare circumstances, a merchant may process a transaction without prior authorization, or an amount greater than a Card's actual available balance may be authorised. If this occurs, you may be notified to load more funds onto the Card, or make a direct payment to cover the negative amount, but will not be charged an overdraft fee. While this does not happen often, it is important to keep track of your balance and reload funds as needed.
To check your balance online now, log in to your account. To retrieve this information by phone, you may call Customer Service, 24 hours a day, 7 days a week.