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Multi-Currency Forex card
  1. Accounts and Deposits
  2. Multicurrency Forex Card

Explore the world like a local with the Multi-Currency Forex card.

Enjoy online reload facility, insurance cover and much more!

Benefits of Multi-Currency Forex Card
  • Multi-Currency option

    Up to 20 currencies including US Dollar, Euro, British Pound, Canadian Dollar, Singapore Dollar, Dirhams & many more.

  • Contactless card

    Simply by waving your card. Enjoy faster checkouts, secure payments & complete freedom from cash.

  • Easy

    your card at any of our branches locally or through the convenience of online banking wherever you go

Other Benefits of Multi-Currency Forex Card

Get Insurance Cover

Up to ₹ 5,00,000 against misuse of lost/stolen card. Personal air accidental insurance (Death cover only) of ₹ 50,00,000. Loss of baggage and personal documents cover up to ₹ 1,00,000.

Duty-Free shopping

Use the balance currency on your Multi-Currency Forex Card at Duty Free stores at any Indian airport.

Transaction limits

Set transaction limits on your Standard Chartered forex card instantly by logging into the Forex Card portal.


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Person, Human, Transportation

Indian citizen


  • Copy of valid passport
  • Any one travel proof:
    – Visa
    – Flight tickets
    – Any other relevant travel proof

For details, please click here

There are 20 currencies offered which can be loaded on the card, namely,

  • USD (U.S. Dollar)
  • EUR (Euro)
  • GBP (British Pound)
  • AED (UAE Dirhams)
  • AUD (Australian Dollar)
  • BHD (Bahraini Dinar)
  • CAD (Canadian Dollar)
  • CHF (Swiss Franc)
  • DKK (Danish Krone)
  • HKD (Hong Kong Dollar)
  • JPY (Japanese Yen)
  • KWD (Kuwaiti Dinar)
  • NOK (Norwegian Krone)
  • NZD (New Zealand Dollar)
  • OMR (Omani Rial)
  • QAR (Qatari Rial)
  • SEK (Swedish Krone)
  • SGD (Singapore Dollar)
  • THB (Thai Baht)
  • ZAR (South African Rand)

Yes. Transactions can be carried out anywhere across the globe using your Forex Card in any currency. If the transaction currency is different from the ones available in your card, the card will automatically search for the currency with sufficient balance using a bank-defined authorization order & process the transaction. A cross currency mark-up would be charged against the transaction amount.

Forex Cards can be applied from any of the Standard Chartered branches across India. Alternatively, you can also reach out to your Relationship Manager to apply for a Forex Card.

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.

You need to write a mail to bankclaims@hdfcergo.com with the details about the claim & they will help you out with the entire process & the documentation needed.

The Forex Card is pre-activated to perform Ecommerce transactions once it is loaded with the currency required but you need to ensure that you have completed the first time login process for Customer Portal since the IPIN (Customer Portal password) is required as the second factor to authenticate such transactions.

IPIN is the Customer Portal password set by you. IPIN is required as a second factor to authenticate Ecommerce transactions.

You can apply for a savings account by choosing any variant from our bouquet of offerings & once the account is activated, you can apply for a Forex Card.

Forex Card kit comes with two Cards (Primary and Backup Card). In case your Primary Card is lost/damaged/stolen, you can hotlist the same, get your Backup Card activated & entire balance will get transferred instantly and automatically.

One PIN is for Primary Card & the other PIN is for Backup Card. The respective card numbers will be printed on the PINs.

No. Forex Card can be loaded only by debiting your Standard Chartered savings account.

Refer the Schedule of Service Charges (SOSC) available towards the end of this page.

Multi-Currency Forex card is a complete solution to all your Forex needs. This card can support up to 20 currencies. You don’t need to carry multiple cards for travelling to different countries. Same card can be used across the globe.

When you perform a payment transaction, the debit would take place on the priority as per the grid provided below,

Scenario 1 – If you have sufficient balance in local currency (depending on country of transaction) then the transaction will be processed using the local currency balances.

Scenario 2 – If the local currency is part of the offered multiple currencies on the card but you do not have sufficient balance in the local currency, however if the you have sufficient balance (equivalent to local currency) in default currency (USD) then the transaction will be processed using the balances in the default currency. 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 you do not have sufficient balance in local currency as well as default currency (USD) however if the you have sufficient balance (equivalent to local currency) in any other currency then the transaction will be processed using the balances from the respective currency. The card will look for balances across all the currencies in following order of priority as decided by the Bank,

1. USD
2. GBP
3. EUR
4. SGD
5. AUD
6. CAD
7. JPY
8. CHF
9. HKD
10. NZD
11. THB
12. ZAR
13. SEK
14. NOK
15. DKK
16. AED
17. BHD
18. KWD
19. OMR
20. QAR

Scenario 4 – If you transact in currency which is not offered on the card, the transaction will be processed by debiting default currency (USD). Cross currency conversion would take place as per applicable rates. In case there is no sufficient balance in default currency then funds would be pulled from other currency with sufficient funds and converted to the default currency using Bank’s currency conversion rate. Partial transactions in different currencies are not allowed. If you do not have sufficient balance to process the transactions individually in any of the currencies available on your card, the transaction is declined even if the collective balances on the card across all currencies is sufficient to process the transaction.

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.

To cancel your Forex Card, we request you visit your nearest Standard Chartered Bank 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 your Card. However, currency conversion charges as applicable from time to time will be deducted at the time of providing credit to you.

There is no limit imposed on the usage of your Forex Card at POS. You can utilise any amount, up to 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 ATM service providers which have put per day / per transaction limit towards cash dispense which cannot be changed by the Bank. In such cases, you might need to do multiple transactions if you want to withdraw any amount higher than that allowed in one transaction.

Yes. Forex Card, offered on VISA platform, is pre-enabled for Verified by VISA that allows you to securely perform Ecommerce transactions.

Following are the steps to perform Ecommerce 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 Bank Multi-Currency Forex Card number and the online store will connect with Standard Chartered Bank to check whether your Card is secured with Verified by Visa
  • Enter your IPIN (used for login to Customer Portal) and Standard Chartered Bank will then confirm your identity to the merchant
  • Your payment is authorized and your order is placed

Yes. Your Forex 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 Bank branch in India & submit your reload request.

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 & amount. The request will be processed within 1 working day.

You can submit online reload request using the Customer Portal. Refer the “Convenience” feature in the page above for detailed steps.

Note: Above online reload request will be processed within 1 working day.

You can see only those currencies on the customer portal which you had requested the branch to load on your card. You cannot add a new currency using Customer Portal & you will have to visit the branch for the same.

Once you place the request, you will see an acknowledgement page. This is a confirmation that your request has been placed. Once the request is processed within 1 working day, you will receive a SMS & Email alert once the reload request is processed.

The Forex Card is only for travellers, and cannot be issued to non-travellers.

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.

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

In case your card gets lost or stolen, all you have to do is call Phone Banking immediately and report the loss of your card. This facility is available 24 hrs on all days. You can request Phone Banking to activate your backup card. Once the backup card is activated, all the funds from your primary card will be transferred automatically and instantly to the backup card.

If your Card has expired before all funds have been utilised, you can contact Phone Banking or any of our Standard Chartered Bank 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 Bank branch.

The card has inbuilt intelligence to process the transaction if there is sufficient fund in any of the available currencies to authorize the transaction. If there is no sufficient balance in the transaction currency, the payment is processed by debiting the currency with sufficient balance. Please note that if there is no sufficient balance in any currency then the transaction will be declined even if collectively, across the currencies, 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.

You can place a replacement request either through your Relationship Manager or visit your nearest Standard Chartered branch. The charges for reissuance are given in schedule of charges.

  • Look for VISA payWave mark or Contactless logo at the point of purchase
  • To pay, place your card over the reader at close range (less than 4 cm from where the Contactless logo appears)
  • Once the reader confirms that your transaction is approved, you are ready to go. No signature or PIN required

No. Even if the card is tapped / waved more than once at the terminal, the customer will only get billed once for the purchase.

You will receive a charge slip from the merchant, and also receive an Emailer / SMS on your registered contact details once the transaction is successful.

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.

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.

Yes. Your Forex Card should not be used towards temporary charge blocks – e.g. paying deposits at hotels, hiring of cars etc.

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 Bank, and Standard Chartered Bank has no control over the charges as these charges are not levied by Standard Chartered 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.

If the transaction is done in 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.

You can change the PIN using the Customer Portal. Refer the “Convenience” feature in the page above for detailed steps.

You can view the transactions using the Customer Portal. Refer the “Convenience” feature in the page above for detailed steps.

You can get the statement using the Customer Portal. Refer the “Convenience” feature in the page above for detailed steps.

You can get the statement using the Customer Portal. Refer the “Convenience” feature in the page above for detailed steps.

Use the “Forgot Your Password” link on the login screen of Customer Portal to change your password. This will unblock your User ID as well.

Your Multi-Currency Forex Card will be activated with the required currencies instantly over the counter at the branch. Once active, the card can be used at any international location for making payments at POS terminals or to withdraw cash at ATMs. Usage of the card is not allowed in India, Nepal, Bhutan, Iran, Syria, North Korea, Cuba, Sudan.

Multi-Currency Forex Card has a chip & a radio frequency antenna embedded. When this Contactless Card is tapped/waved against the terminal enabled for contactless payments, the card transmits payment details wirelessly, eliminating the need to insert it. Account details are communicated to the reader and then processed through the secure Visa acceptance network in the usual way.

Multi-Currency Forex Card works just like any Debit / Credit Card for making payments at Merchant Establishments that have an electronic terminal. The transaction amount is deducted from available balance on the Multi-Currency Card. This card can be used at all Merchant Establishments displaying the VISA symbol.

This card can be used to withdraw cash at all VISA ATMs worldwide. Irrespective of the currency loaded on the card, the cash will be dispensed based on the currencies supported at the ATMs.