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Travel without worry. The Multi-Currency Forex card gives you the flexibility to pay in 20 foreign currencies. To apply, SMS ‘FXCARD’ to 99871 23123.
Pay like a local when you travel
Load up to 20 currencies including US Dollar, Euro, British Pound, Canadian Dollar, Singapore Dollar, Thai Baht and many more.
Why swipe when you can pay by simply waving your card. Enjoy faster checkouts, secure payments and complete freedom from cash.
Travel free of financial worries with cover of up to INR 5,00,000 against misuse of lost / stolen card. Personal air accidental insurance (Death cover only) of INR 50,00,000. Loss of baggage and personal documents cover up to INR 1,00,000.
Reload your card at any of our branches locally or through the convenience of online banking wherever you go. Click
Copy of valid passport
Any one travel proof:
Any other relevant travel proof
Why have I received two cards in the welcome kit?
Forex card kit comes with two cards (primary and backup card). In case primary card is lost / damaged / stolen, customer can hotlist the primary card, get the backup card activated & entire balance will get transferred automatically.
Can I issue cheques to load the Multi-Currency Forex card?
No. Put the card can be loaded only by a debiting your Standard Chartered savings account.
I do not have a savings account with Standard Chartered. Can I purchase a Forex card?
You can apply for a savings account by choosing any variant from our bouquet of offerings and once the account is activated, you can apply for a Forex card.
What are the charges attached to the Forex card?
Refer the Schedule of Service Charges (SOSC) on our website.
Does the Forex card provide me travel Insurance?
Yes. Enjoy a travel experience free of financial worries with card insurance covers such as:
Protection up to Rs. 5,00,000 against misuse of lost / stolen card or due to counterfeiting / skimming
Personal air accidental death insurance of INR 50,00,000
Loss of baggage and personal documents cover up to INR 1,00,000
Where can I buy the Forex card from?
Forex cards can be purchased from any of the 100 Standard Chartered branches across India. Alternatively, you can also reach out to your relationship manager for purchasing a Forex card.
Can the Forex card be temporarily blocked?
Yes. You have an option to put a temporary block on the card through the customer portal or by calling phone banking. This block can be removed later the customer portal or by calling phone banking.
Can I make a transaction in any other currency apart from mentioned 20 currencies?
Yes. Transactions can be carried out any where across the globe using Multi-Currency Forex card in any currency. If the transaction currency is different from the ones available in your card, the it will automatically search for the currency with sufficient balance using a bank-defined authorization order and process the transaction. Across currency mark-up would be charged against the transaction amount.
Can I retain the Forex card once I return to India?
You can retain the card only if the balance remaining on the card is less than $2000, else the amount needs to be refunded within 180 days from the date of arrival. This is as per RBI guidelines.
What is the maximum value for which the Forex card can be used?
There is no limit imposed on the usage of your Forex card at POS. A customer can utilise any amount, upto the value loaded on the Forex card at any POS terminal. There is $2000 (or equivalent in other currencies) daily limit on cash withdrawals. However, there are some ATMs service providers which have put in per day / per transaction limit towards cash dispense which cannot be changed by the bank. In such cases the cardholder might need to do multiple transactions if he wants to withdraw any amount higher than that allowed in one transaction.
What are the authorization scenarios?
When the cardholder performs a payment transaction, the debit would take place on the priority as per the grid provided below:
Scenario 1 – If the customer has local currency (depending on country of transaction) wallet with sufficient balance then the transaction will be processed using the balances on the local currency wallet.
Scenario 2 – If the local currency is part of the offered multiple currencies on the card but customer does not have sufficient balance in local currency wallet. However if the customer has sufficient balance (equivalent to local currency) on default currency (INR) wallet then the transaction will be processed using the balances on the default currency wallet. Value from the default currency will be converted to local currency using cross currency conversion rate decided by the bank. This rate will be calculated with a markup on the IBR cross currency rate.
Scenario 3 – If the local currency is part of the offered multiple currencies on the card but customer does not have sufficient balance in local currency wallet as well as default currency (INR) wallet, however if the customer has sufficient balance (equivalent to local currency) on any other currency wallet then the transaction will be processed using the balances from the respective currency wallet.
The card will look for balances across all the currency wallets following order of priority as decided by the bank:
Scenario 4 – If the customer transacts in currency which is not offered on the card, the transaction will be processed by debiting default currency (INR) wallet. Cross currency conversion would take place as per applicable rates. In case the default currency wallet does not have sufficient balance then funds would be pulled from wallet with sufficient funds and converted to the default currency using bank’s currency conversion rate. Partial transactions in different currency wallets are not allowed. If the customer does not have sufficient balance to process the transactions individually in any of the currency wallets the transaction is declined even if the collective balances on the card across all currencies is sufficient to process the transaction.
Is Forex card reloadable over the Internet?
Yes. When you are abroad & have run out of balance on your Forex card, you can submit a request via the customer portal to reload the card with the required currency and amount.
What services can I avail on GCAS?
You can avail the following services through GCAS,
Emergency card replacement
Emergency cash disbursement
Cardholder inquiry service
Lost and stolen card reporting
Note: Visa charges are applicable
What are the charges towards availing GCAS services?
Following are the charges for availing GCAS facility offered by Visa:
Emergency card replacement: US $ 175
Emergency cash disbursement: US $ 175
Cardholder inquiry service: US $ 5 per inquiry
Lost / stolen card reporting: US $ 35 per card
What should I do if my Multi-Currency Forex card has expired but there is an unutilised balance on the card?
If your card has expired before all funds have been utilised you can contact Standard Chartered Bank phone banking or any of our Standard Chartered branch for placing a refund request of the unutilised balance. In case you wish you get a replacement card you can place a request at any of our Standard Chartered branch.
Who should I contact for my replacement card? Is there a charge for replacement?
You need to place the request at any of the Standard Chartered branch. The charges for the reissuance are given in schedule of charges.
What if the customer is passing by a terminal and a contactless transaction takes place?
The contactless technology works when the card is waved at a maximum range of 4 cms. Hence, even if the customer is at a small distance from the terminal, no accidental transaction can take place since the cashier must first enter the amount on the PoS machine before the card is tapped / waved and the payment is processed.
How will the customer know if the transaction is successful?
The customer will receive a charge slip from the merchant, and also receive an emailer / SMS on his / her registered contact details once the transaction is successful.
How can I check the balance on my Standard Chartered Multi-Currency Forex card?
You can check the balance on all the active currency wallets on Multi-Currency card through the customer portal. Alternately, you can also contact our phone banking services to check the balance on your Multi-Currency card.
Do I need to pay additional amount over and above cash withdrawal charges levied by Standard Chartered for ATM transaction?
In certain countries ATM Service providers are authorized to charge surcharge / convenience fees from the cardholders for accessing the ATM to withdraw money. These charges are levied by the ATM service provider over and above the charges levied by the Standard Chartered, and Standard Chartered has no control over the charges as these charges are not levied by the bank. These charges are normally displayed to the customer during the transaction and the customer has the option to either proceed with the transaction or abort if the charges are not acceptable to the customer.
Whom do I call in case I need any assistance?
You can contact phone banking or write to us or visit any nearest Standard Chartered branch. You can visit www.sc.com in for more details.
If I am travelling to multiple currencies do I need to carry multiple cards?
Multi-Currency Forex card is a complete solution to all your Forex needs. This card will support upto 20 currencies. You don’t need to carry multiple cards for travelling to different countries. The same card can be used across the globe.
Do I need to activate Multi-Currency Forex card for E-commerce transactions?
You Multi-Currency card is pre-activated to perform E-commerce transactions once your card is loaded with the currency required.
How can I cancel my Multi-Currency Forex card?
To cancel your Multi-Currency Forex card, we request you to visit your nearest Standard Chartered branch and place a request towards cancellation of the card. Your request will be processed within one working day of us receiving the request and the available balance on the card will be refunded back to your account. There are no charges towards the cancellation of a Multi-Currency Card. However, currency conversion charges as applicable from time to time will be deducted at the time of providing credit to you.
Is Multi-Currency Forex card enabled for verified by Visa (VBV)?
Yes, Multi-Currency card offered on Visa platform is pre-enabled for verified by Visa that allows you to securely perform e-commerce transactions.
Following are the steps to perform e-commerce transaction with VBV participating merchants:
Select the goods or services you want from a online store and proceed to the payment page.
Enter your Standard Chartered Multi-Currency Forex card number and the online store will connect with Standard Chartered to check whether your card is secured with verified by Visa.
Enter your IPIN (used for login to Customer Portal) and Standard Chartered will then confirm your identity to the merchant.
Your payment is authorized and your order is placed.
Can the value of the card be topped up?
Yes, your Multi-Currency card can be reloaded multiple times in future till the card gets expired. If you are abroad then you can use the online reload facility through the customer portal. Alternatively, you can visit any Standard Chartered branch and submit your reload request.
I'm not a traveller, can I still benefit from the Multi-Currency Card?
The Multi-Currency Forex card is only for travellers, and cannot be issued to non-travellers.
How can I avail Global Customer Assistance Services (GCAS) for my Multi-Currency Card?
You can call the Visa call centre numbers to avail VISA’s Global Customer Assistance Services. You can find a country wise list of GCAS numbers on Visa website.
What should I do and whom to contact if my card is lost?
In case your card gets lost or stolen all you have to do is call Standard Chartered phone banking immediately and report the loss of your card. This facility is available 24x7. You can request phone banking to activate your backup card. Once the backup card is activated all the funds from primary card will be transferred automatically to the backup card.
What if the balance in the currency of transaction goes down?
The card has inbuilt intelligence to process the transaction if any of the currency wallets has sufficient fund to authorize the transaction. If the currency wallet corresponding to the transaction currency does not have sufficient balance, the payment is processed by debiting the currency wallet with sufficient balance. Please note that none of currency wallets have sufficient balance then the transaction will be declined even if collectively across the wallets the card has sufficient balance. Please note that cross currency conversion charges will be applicable in cases where the transaction is processed by utilizing funds from different currency wallet.
How to use Contactless Mutli-Currency Forex card?
Look for Visa payWave mark and contactless logo at the point of sale terminal machine at merchant outlet.
Check the transaction amount displayed on the machine screen and tap / wave your Contactless Multi-Currency Card from a 4 cm range.
Enter your ATM PIN on the machine if prompted.
What if the customer waves the card twice at the terminal? Will he / she be charged twice?
No. Even the card is tapped / waved more than once at the terminal, the customer will only get billed once for the purchase.
Is there any difference in the process for ATM and Internet transaction for this Contactless card?
There is no difference in the transaction process for ATM & Internet transactions. For ATM transactions you need to enter the PIN and for Internet transaction you need to enter your 3D secure PIN.
Are there any transactions for which this card should not be used?
Yes, your Multi-Currency Forex card should not be used towards temporary charge blocks - e.g. paying deposits at hotels, hiring of cars etc. In case you have paid these deposits using Forex Multi-Currency Card and the hotel / car rental agency etc. settles the transaction for an amount lesser than the amount blocked or you make final payment through any different mode, the balance amount will get credited into your account only after 30 days from the transaction date.
The bank reserves the right to charge the card holder for any unauthorized amounts. Note:
What are the exchange rates applicable when I use my Forex card for transactions (cash withdrawal at ATMs and point of sale transactions at merchant outlets)?
If the transaction is done in the base currency (currency with which the card was loaded), there is no exchange rate applicable. However, for transactions other than the base currency, exchange rates / conversion rates from the base currency to the local currency would be applicable.