USAGE GUIDE FOR MULTI-CURRENCY FOREX CARD

MEET YOUR MULTI-CURRENCY FOREX CARD

FRONT

BACK

Card Number: This is your exclusive 16 digit

Card number.

Valid Thru (MM-YY format): Your card is valid

until the last day of the month of the year

indicated on the card

VISA/Mastercard logo & hologram (hologram

is on the rear side): Any merchant

establishment displaying this logo accepts your

Multi-Currency Forex Card worldwide.

CHIP: Embedded chip given highest level of

security

Magnec Strip: Important Information pertaining

to your card is encoded here. Please protect your

card from scratching or exposure to magnets and

magnetic ﬁelds as they can damage the strip

Signature Panel: Please sign this panel

immediately on receipt of your card with

nonerasable ball point pen (preferably in black

ink). You must use the same signature to sign

charge slips at merchant outlets

24-Hour Customer Service Number: For any queries or assistance, call us any time on toll-free

numbers. India (+91 40 6717 4100), USA (1855 205 5577), UK (0808 178 5040), Australia (1800 153

861), Canada (1855 436 0726), Singapore (800 120 6355), UAE (8000 3570 3218), Saudi Arabia (800

850 0000) and Qatar (00 800 100 348)

E-mail address: To email your queries please visit www.axisbank.com/support

7. Card Validaon Code 2 (CVC2): It is a security feature that protects the card against counterfeit.

KNOW YOUR MULTI-CURRENCY FOREX CARD

Important Informaon about your Mul-Currency Forex Card

Example 1 - Say you make a withdrawal from an ATM in the United States, then an ATM withdrawal fee (as

per your tariff plan) will be payable. If you hold the amount of your withdrawal and the fee in your USD

wallet, but do have sufﬁcient funds in your say, GBP wallet, we will convert the equivalent of the

withdrawal in USD at the current Retail Exchange Rate to GBP and debit it from your GBP wallet. An ATM

withdrawal fee and cross-currency change will be levied as applicable.

Example 2 - Say you make a withdrawal from an ATM in Vietnam (Vietnamese Dong is not a currency for

which you can hold a wallet), VISA/ Mastercard will convert the amount of the withdrawal to USD at the

current retail Exchange rate, add applicable ATM withdrawal fee in USD and add the cross-currency

conversion fee as applicable. If you hold the total amount in your USD wallet, some will be debited from the

wallet. If you do not hold sufﬁcient funds in your USD wallet, but do have sufﬁcient funds in your say, EUR

wallet, we will convert the equivalent of the total amount of the withdrawal in USD at the Retail Exchange

Rate to EUR and debit it from EUR wallet; also an ATM withdrawal fee and cross-currency charge will be

levied as applicable.

The Multi-Currency Forex Card allows you to load multiple wallets of different currencies on a single

card. Thus, you can transact in varied currencies without the hassle of carrying multiple individual

currency cards.

The Multi-Currency Forex Card can be loaded simultaneously with 16 currencies viz. USD (United

States Dollar), EUR (Euro), GBP (Great Britain Pound), SGD (Singapore Dollar), AUD (Australia Dollar),

CAD (Canada Dollar), SEK (Sweden Krona), JPY (Japan Yen), CHF (Switzerland Franc), AED (United

Arab Emirates Dirham), SAR (Saudi Arabia Riyal), THB (Thailand Baht), HKD (Hong Kong Dollar), NZD

(New Zealand Dollar), ZAR (South Africa Rand), DKK (Denmark Krone)

Each currency balance is considered a Separate wallet. You may choose to load a single, multiple or all

wallets as per your requirement.

Any transaction done on the currency loaded in your card will use that currency wallet if sufﬁcient

balance is not available; funds from another wallet would be used, based on the Authorization order set

by bank.

Any transaction done in a currency that doesn’t exist on your card will be debited from the USD wallet,

If the USD wallet doesn’t have the sufﬁcient balance, then the next wallet as per the transaction order

will be used. For such transaction, cross currency charges will be levied as applicable.

Any transaction greater than the funds available in any of your wallets will be declined. Cumulative

funds of all wallets will not be considered for transactions.

You can keep a track of your balances and the transactions done on your card via e-mail notiﬁcations sent

to your registered email ID, SMS, Internet Banking or the Axis Mobile choose to SMS for the balance,

message ‘MCCBAL<space><last 4 digits of your card> to 56161600 or +91 8691000002. Please ensure

that you share your correct e-mail id (preferably your personal email ID) while signing up for the card, and

for SMS alerts, please ensure that you have international roaming activated on the number shared with us

while signing up.

Usage Guidelines

You can use this card to make payments directly at merchant outlets as well as to withdraw cash from

ATMs

Manage your Forex Card transactions

You can manage your Axis Bank Forex Card transactions for ATM, Online, Contactless transactions and at

merchant outlets in just a few clicks. You can enable or disable channels and also increase or decrease the

limits for the channels.

Use any of the following ways:-

1. Log in to Axis Mobile -

Click here for the steps -

2. Log in to Internet Banking* -

Click here for the steps -

3. Log in to Axis Prepaid Card Portal

Enter your 16-digit Forex card number and Web Pin -

Click here for the steps -

4. Visit the nearest Axis Bank Branch.

Note – *Only for Axis Bank Savings account holder

Balance Enquiry and change of PIN:

Please check the balance in your Card at any Axis Bank ATM before

embarking on your journey. A personal Identiﬁcation Number is enclosed in

the sealed letter for using this Card at ATMs. You can use this Card along

with the PIN at any Axis Bank ATM to:

a. Change the PIN

b. Check the balance

The usage of the card shall be deemed as acceptance of the terms and

conditions of the Axis Bank Multi-Currency Forex Card.

International Usage at Merchant Outlets:

Your card is valid worldwide for usage (except India, Nepal

and Bhutan). All your transactions (purchase as well as

cash withdrawals) overseas must be made in strict

accordance with the Exchange Control Regulations

of Reserve Bank of India prevailing from time to time.

In the event of your failure to do so, you will be liable

for action under the Foreign Exchange Regulations.

If you wish, you can select Axis Bank to be your Authorized Dealer.

Note - Usage of the Multi-Currency Forex Card is prohibited in mentioned countries*.

Cuba, Iran, Syria, North Korea (also known as Democratic People’s Republic of Korea), Crimea and

Sevastopol (also known as Crimean Autonomous Republic) and Sectorial Sanctioned Countries and

Territories include Russia and Venezuela.

* The list of countries will be amended time to time as per changes in regulation and instructions

received from other statutory bodies.

Merchant Outlet Transaction:

This card can be used for making purchases at any of the 80 million merchant outlets worldwide

displaying VISA logo. Follow these simple steps to ensure total shopping satisfaction.

1. Look for a VISA sign at Point-of Sale Card-swiping terminal.

2. Present your card at the time of making payment for your purchases.

3. The merchant will swipe the card on an Electronic Data Capture Terminal (EDC Terminal) for

authorization.

4. After a successful authorization, funds in Card Account will be debited for the transacted amount. Your

purchase limit is equivalent to the balance on your card.

5. Axis Bank maintains a purchase limit for all merchant transactions. Currency wise daily usage limit is

updated in Usage guide as ‘Limit on Usage’

6. A charge slip will be generated

7. Please check amount before signing the charge slip. Your signature must match the one on the card.

8. Your purchase transaction is now complete. Ensure that your card is returned to you.

9. Preserve your copy of the charge slip for your future reference.

Points to note while using the card at Merchant Outlets:

1. At a few Merchant Establishments abroad, you may have to ask the cashier to swipe your

Multi-Currency Forex Card as a Credit Card. This is because in some countries ‘Debit’ is connected

only to local network and the transaction may be declined, as it would not reach the VISA / Mastercard

network. Your card will continue to function as a Pre-paid Debit Card

2. Since signature veriﬁcation is essential for your Card transactions, you need to be physically present

along with your Card at the time of purchase.

3. This card cannot be used for Mail Order or Telephone Order transactions.

4. This card is accepted at all Duty Free stores located at International Airports in India.

International ATM Usage

1. This Card can be used at any VISA / Mastercard ATM abroad

2. VISA / Mastercard has a network of 1.65 million VISA / Mastercard

ATMs worldwide. This allows you 24-hours access to

cash, whenever you require money. To locate VISA / Mastercard

ATM in the city/ country of visit, please visit the website

www.visa.com / www.mastercard.com

3. At VISA / Mastercard ATMs, you can perform Cash Withdrawal

and Balance Inquiry transactions

4. At the time of cash withdrawal at VISA / Mastercard ATM s

abroad the screens displays three option s for the type of

account that you can effect the transaction in:

1) Credit 2)Savings 3) C hecking. Please choose the

Checking option. If this option is not available,

choose the Credit option.

5. Cash withdrawal and balance inquiry overseas will attract a

transaction fee as mentioned in the Tariff sheet and will be

directly debited to your Card.

6. Axis Bank maintains a speciﬁc daily limit for usage of the card at ATMs and Merchant Establishments.

However, the bank/ entity that manage the overseas ATM may set a separate limit for usage of the

Card at its ATM/ Network. In such a case, the limit set by the overseas bank will apply and take

precedence. Currency wise daily usage limit is updated under Usage guide as ‘Limit on Usage’

Points to note while using the card at International ATM's

1. All VISA / Mastercard ATMs may not have a Balance Inquiry option.

2. In some state/ countries additional charges are levied on non-domestic cards by local banks as

per their country speciﬁc guidelines.

3. In case you are unable to withdraw the cash from any VISA / Mastercard ATM, try keying a lower

amount (as some ATMs have disbursement limit) or try after a few minutes (as the network server

may be down)

4. Some ATM's abroad may charge additional fee over and above the fee charged by Axis Bank. These

charges are not levied by Axis Bank and hence cannot be reversed. This fee is called as ATM surcharge

and are additional fees imposed on customers who use the Axis Bank Forex Card at International

ATM’s to withdraw cash. Axis ATM fee is levied however surcharges are imposed directly by the

International Bank who owns the overseas ATM.

To avoid paying surcharge while withdrawing cash from overseas

ATM we suggest you look for ATM’s that don’t charge surcharge fee.

Look for a ‘No Surcharge ’ logo or a sign like ‘Allpoint’. ‘Allpoint’ ATM

network is surcharge free ATM abroad.

Dynamic Currency Conversion

1. In certain countries, the acquiring banks may choose to activate the feature of “Dynamic Currency

Conversion” on their ATM’s and POS machine network. As per this facility the ATM/POS machine

identiﬁes the Axis Bank Multi-Currency Forex Card as a card issued from a foreign country and

prompts the customer to transact in their “Home Currency”. If a customer selects the “Home

Currency” option then you will be charged extra currency conversion fee, hence please do not select

this option. Kindly do not use your Forex card on merchant outlets who opt for DCC - (Dynamic

currency conversion) option at the time of settlement of your bills while swiping Forex card. Always

ask a merchant to settle the transaction in the currency loaded on your Axis Bank Multi-Currency

Forex card.

2. We urge you to note that as the Multi-Currency Forex Card is purchased and loaded

with the purpose of using the card in the respective foreign currency, the customer must avoid

selecting any option that prompts for a change in usage of currency, to avoid any adverse

exchange rate.

3. The ‘Dynamic Currency Conversion’ feature may appear with different terminology depending on

the overseas bank

4. Axis Bank is not responsible for any ‘Dynamic Currency Conversion’ related charges and will not

be able to refund any such charges in case they are levied on account of wrong usage of the card

Limit on usage:

ATM withdrawal limit

1,000 USD equivalent

in other currency

E-commerce limit

10,000 USD equivalent

in any other currency

Merchant Establishment

POS limit

10,000 USD equivalent

in any other currency

Contactless transaction limit

(only for cards having

contactless feature)

1,000 USD equivalent

in other currency.

ADVANTAGES OF THE Multi-Currency Forex Card

24-hour Customer Service

You can reach us 24 Hours at any time of the day or night at +91 40 6717 4100. You can also email your

queries by visiting www.axisbank.com/support and we will be happy to assist you.

Statements

On request, monthly statement will be sent to your registered email ID (as provided in the application

form). Your transactions will be reﬂected in currencies which are activated on the Card. Please contact

the Customer Care to change your email ID.

Internet Banking Access

Your Welcome Kit also contains your internet Banking

16-digit card number. You can view your transaction details

and balance on your card anytime you want, free of cost.

Mobile Banking

Right from paying utility bill, shopping, bookings, to banking

and investing…everything can be done on your mobile

phone today backed by high-speed internet connection.

You do not have to travel physically to do many of these

activities nor experience the inconvenience of standing in

serpentine queues. Similarly with the Axis Bank Mobile app

you can check your Forex Card balance, track your

transactions, reload the Forex card on the go (reload

through Mobile app can be done by existing Axis Bank

Account Holders only), lock your card as safety measure on

your return to India and unlock the same before you travel

abroad. You can register on Axis Mobile on your iPhone or

Android devices.

How to download Axis Mobile App?

Go to Google Play Store (for Android devices) or AppStore (for iOS device) or Windows Store (for

Windows device) and download the app.

Alternately, you can download the app by giving a Missed Call to toll free number: 18004190231 or

SMS MBANK to 5676782.

A link to download the app will be sent via SMS and you can click on the link to start downloading the

app from iTunes/Google Play Store/Windows Store. Download Axis Mobile App through Google Play

store / Apple Store

- Select the SIM registered against Forex Card

- Conﬁrm for auto sending SMS and OTP

- Enter your Name

- Set Mobile Pin for future logins

Go to Forex Card Section to view Cards mapped to your Mobile Number

Enter Card Expiry and ATM Pin as a one-time veriﬁcation for getting access to Card Details.

For any further assistance, please visit www.axisbank.com/support or call us on +91 40 6717 4100.

Lost Card Liability

If your Card is lost or stolen, please do the following:

1. Call us on +91-40-6717-4100 immediately and block your Card

2. It is mandatory to lodge a police complaint/ FIR for making a claim in the event of loss or

misuse of the Card

3. Submit a written claim request to Axis Bank about fraudulent use of your lost/ stolen/

counterfeit card within 30 days from the date of transaction. The Bank will not be responsible if

the claim is not processed due to delay in submitting the claim request.

Instant Pin Change

You can change your PIN instantly at any Axis Bank ATM in India. In addition, you can also get a PIN

sent to your registered email ID by calling or writing into customer care. You may also contact Axis

Bank Branch for the same

Replacement Card

Axis Bank will arrange to replace your card as soon as we receive instructions from you. A new card will

be couriered to the address indicated by you. Please note that a new card will only be provided if there

is sufﬁcient balance on your Card to cover the replacement fee and postage and handling charges. Your

balance on your previous card minus charges will be applied to the new card that is couriered to you

along with the new PIN. If you recover your card a er you have reported its loss, please do not attempt

to use it. Instead, please destroy the Card by cu ng it into several pieces through the magnetic strip

Expiry of your Mul -Currency Forex Card

1. Multi-Currency Forex Card validity is as mentioned on front of the card.

2. Prior to the expiry of the card, the Bank sends across an alert email & SMS to all registered email ID and

mobile numbers (details which are provided at the e of purchase of the Card and not details that are

updated online). You are requested to either encash your unspent balance, or request for replacement

Card before the expiry of your Card.

3. On expiry of the Card, Axis Bank will maintain unspent balance on expired Card in the respective Card

account till the time customer approaches for a refund or applies for replacement of the Card

4. Expiry date is in the format MM/YY.

5. The Bank will not be held responsible if the customer e-mail id or the mobile number was not provided

at the of issuance of the card

Reload Facility

Your card is valid till the month and year indicated on your Card. During this period, you can reload

your Card with additional Foreign Currency as and when you want. Please coordinate with your

employer in case of any reload requirement.

Complimentary Emergency Cash assistance through TripAssist

AXIS Bank, in its ongoing initiative to provide service excellence to its premium customers in India,

has chosen TripAssist to provide complimentary emergency cash services to its customers in case

of an exigency.

TripAssist along with Axis Bank shall assist the cardholder by arranging for the cash to be delivered

at the location outside of home country up to the limit as approved by Axis Bank on subject to terms

& conditions. TripAssist will make cash available to customers from authorised money dealers.

To avail the service, user must call the dedicated Axis Bank Assistance helpline or call the Axis Bank

customer care number or approach the branch for assistance.

CARE OF YOUR MULTI-CURRENCY FOREX CARD

Please follow these simple guidelines for a pleasant usage experience. Treat your card in same way

you treat cash. Keep it with you at all s and never leave it una ended.

1. Your card is for your exclusive use only. It should never be surrendered to anyone other than a

designated Bank Ofﬁcer at an Axis Bank Branch and that too only a er cu ng it into several parts

through the magnetic strip.

2. Never reveal or surrender your Personal Identiﬁcation Number (PIN) to anyone. Please destroy all

evidence of the PIN number a er memorizing it and never keep a written copy of it in close proximi-

ty to your Card. It is recommended that you change your PIN (at an Axis Bank ATM) to a number

of your choice as soon as possible.

3. Keep a photocopy of the front & back of your card.

4. If your Card is lost/ stolen, or if you suspect that your card has been used fraudulently, call the

Axis Bank 24-Hour Customer Service immediately to report the loss.

5. In case you need your card to be re-issued or terminated, please send in your request in writing to

the Axis Bank Branch where you have availed your Card or e-mail your request by vis www.axis-

bank.com/support

6. A replacement card shall be provided to you at applicable tariffs. Upon card expiry or closure of

your account, please cut your card into several pieces through the magnetic strip

7. Always ensure that the card is used in your presence when transacting at Merchant

Establishments. Never sign an incomplete charge slip.

8. Do not attempt to use the card at Merchant Establishments, that do not possess electronic

point-of-sale swipe terminals

9. Do not attempt to use your card for making purchases via telephone/mail, or the Internet or in any

other ‘Card not present’ situation.

10. Please promptly no y Axis Bank, in writing, of any changes in your telephone numbers or mailing

address.