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This is India’s first multi-brand co-branded credit card

As India’s first multi-brand co-branded card, it brings together top brands such as Zomato, Blinkit, Cult, Rapido, Cleartrip, and Pharmeasy, covering key daily expenditure categories like e-commerce, groceries, F&B, travel, and health & fitness.

Fintech startup POP, founded by former Flipkart employees, has introduced India’s first multi-brand co-branded credit card, the YEB BANK POP-CLUB RuPay credit card, developed in collaboration with RuPay and YES Bank.

The credit card was launched at the Global Fintech Festival (GFF).

POP aims to create a relevant value proposition with these marquee brands while leveraging the growing UPI and RuPay networks.

Cardholders can earn rewards on every transaction through POPcoins.

RuPay card holders benefit from accelerated POPcoins earnings when using the card with POP UPI.

POPcoins can be redeemed for a wide range of products from major direct-to-consumer (D2C) brands in categories such as beauty, personal care, electronics, fashion, and home goods — all available within the POP app.

Additionally, POPcoins can be used for purchases on Zomato, Blinkit, Cult, Rapido, Cleartrip, and Pharmeasy.

Users can earn 10% POPcoins on all online transactions, 2% POPcoins on offline transactions, and an additional 5% POPcoins when using the card with POP UPI.

The card has no joining fee and comes with an exclusive set of joining benefits worth ₹5,000, including 500 bonus POPcoins, a six-month Pharmeasy Plus membership, a ₹750 Cleartrip flight voucher, a ₹500 cult voucher, a three-month Zomato Gold membership, and a Rapido ride pass.

In June 2024, POP launched its UPI + e-commerce app platform, where users can earn POPcoins on each UPI transaction.

Within just two months, POP surpassed a monthly UPI transaction rate of one million.

ALSO READ | Amazon Pay ICICI Bank credit card hits 5 million users: A comparison with other co-branded cards

• Mastercard selects India for the global launch of its Payment Passkey Service, accelerating secure online checkout for millions of shoppers

Payment passkeys speed up transactions using biometrics, enhancing security and convenience for consumers and businesses

During a keynote presentation at Global Fintech Fest in Mumbai, Mastercard announced the worldwide launch of its new Payment Passkey Service to make online shopping more secure and easier than ever. Debuting first in India as a pilot with some of the nation’s largest payments players, including payment aggregators such as Juspay , Razorpay and PayU , online merchants such as bigbasket and leading banks such as Axis Bank , the service will give millions of consumers more control and peace of mind when checking out online.  

Despite the rising popularity of one-time passwords (OTPs) due to their ease of use, they are increasingly vulnerable to online scams such as phishing, SIM swapping and message interception. In India, the incidence of fraud cases has surged by nearly 300% in the last two years, as reported by the Reserve Bank of India’s Annual Report for 2023-2024 .

Enter payment passkeys. They use device-based biometric authentication methods such as fingerprints or facial scans, but for an entirely new purpose: to streamline online shopping experiences. By replacing traditional passwords and OTPs, the Mastercard Payment Passkey Service makes transactions not only faster, but also more secure against fraud and scams. With payment passkeys, consumers can say goodbye to the hassle of forgetting or accidentally sharing their passwords or OTPs.

The service leverages passkeys and tokenization to secure a consumer’s online checkout interaction, ensuring that the transaction is secure and no financial account data is shared with third parties – rendering it useless to fraudsters and scammers. The Mastercard Payment Passkey Service is a game changer for online commerce:

1. Shoppers choose their Mastercard when checking out as a guest or select a card already stored securely on file with a merchant.   2. To confirm the payment, users can use biometric authentication mechanism features on their device – whether it’s a fingerprint, face scan or PIN.  3. Upon successful authentication, the payment is instantly completed.  

“By introducing the Mastercard Payment Passkey Service in India, we’re advancing secure online checkout and our vision for a token economy,” said Jorn Lambert, chief product officer at Mastercard. “Through innovative technology that enhances security and convenience, we’re creating a more transparent commerce ecosystem for all. As we continue to lead the way in digital payments, our commitment to achieving a tokenized future is stronger than ever.”

India, with its rapidly expanding payment ecosystem and advanced tokenization market, is embracing payment passkeys and enhanced biometric authentication in line with the Reserve Bank of India's goal for a safer, more resilient payment system. Payment passkeys aren’t just about speed and convenience — they’re about safety and enhancing a user’s shopping experience. For businesses, it means fewer abandoned carts and less fraud. For consumers, it means faster checkouts and peace of mind.

"India’s digital transformation has truly laid the foundation of Viksit Bharat. Mastercard is committed to supporting India's vision by making commerce smarter, safer, and more inclusive. Today’s global launch of the Mastercard Payment Passkey Service pilot here in India reflects two things - recognition of India’s global leadership in tokenization and Mastercard’s dedication to supporting the digitization journey. The imperative is enhancing digital interactions for all stakeholders while embedding trust in every touchpoint,” said Gautam Aggarwal, division president, South Asia, Mastercard.

The Mastercard Payment Passkey Service is built for online or remote tokenized transactions, which today help significantly reduce fraud and increase approval rates. By combining the tokenization of payment credentials with seamless biometric authentication, Mastercard is bringing EMVCo , World Wide Web Consortium and the FIDO Alliance industry standards together to speed and secure the checkout experience.

Following the initial pilot program in India, the company is set to roll out the Mastercard Payment Passkey Service to more consumers and financial institutions around the world over the coming months.

Hear from our partners:

"We are excited to be partnering with Mastercard to pilot its Payment Passkey Service as an alternate transaction authentication method and provide our customers a non-OTP-based solution for transaction management,” said Sanjeev Moghe, president and head, Cards & Payments, at Axis Bank. “This will allow us to provide more engaging usage and in-app experience for customers who desire enhanced security and frictionless payments.”

“Enabling this industry-first proof of concept underscores Juspay’s commitment to empower merchants with innovation and technology that improves the e-commerce experience,” said Sheetal Lalwani, chief operating officer and co-founder of Juspay. “We believe this solution will help our merchant customers improve payment success rates and overall sales. With this pilot, merchants can significantly improve the payment experience for end consumers, allowing them to make payments easily, without multiple redirects, in a safe and secure way using device biometrics. We are working with Mastercard in shaping a future where digital payments are seamless and accessible to all, enabling merchants to better serve their customers.”

"As the country’s payment ecosystem matures, the demand for advanced and secure payment solutions is greater than ever,” said Manas Mishra, PayU’s chief product officer. “At PayU, we are relentlessly focused on pushing the boundaries of payment security and user experience as a resiliently progressive payments platform. Integrating the Mastercard Payment Passkey Service is a pivotal step in that direction. This partnership reflects our commitment to embracing cutting-edge payment technologies and reinforces our role in setting new benchmarks for security and efficiency in digital transactions."

"We are thrilled to join forces with Mastercard to introduce its Payment Passkey Service in India, a groundbreaking initiative that enhances transaction security and user experience in remote commerce, leveraging the power of biometric authentication,” said Arif Khan, chief innovation officer of Razorpay. “At Razorpay, our focus is on the 3 's's — safety, simplification and success rate — to ensure seamless and secure online payments. We strive to stay ahead of the curve by integrating advanced technologies that not only safeguard our merchants and their customers but also streamline the payment process."

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About Mastercard (NYSE: MA)

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

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Smart Cards

A Smart Card in size and shape is like your normal Credit Card but its inside is altogether different. There is an embedded microprocessor inside. As compared to the magnetic strip technology the microprocessor on the smart card provides added security. In a Smart Card setup, the host computer and the card reader in essence talks to the microprocessor with the microprocessor providing access to the data on the card. Though the microprocessor embedded Smart Cards are very popular but there exists other variants too. They are memory cards and contactless cards.

Industry has long recognized its immense potential but its extensive use has been a comparatively recent phenomenon. The lead taken by the banking sector for various applications including online transactions and the fledgling health care industry for issuing health insurance cards. Keeping in view the immense potential of Smart card Technology, under the aegis of Department of Information Technology (DIT), development projects have been formulated and initiated to provide thrust to R&D, industrial activity and applications in this field. National Informatics Center worked along with other agencies to implement a Smart Card Operating Systems Standards, which is named Smart Card Operating System for Transport applications or SCOSTA in short. The same has been adopted by MoRT & H (Ministry of Road Transport and Highways) as a standard for Transport applications in the country. DIT has also supported a project on "Multi Application Smart Card Based Payment System" at IIT, Mumbai and IDRBT, Hyderabad. Some of the other projects currently underway include:

Next Generation Multi Application Smart Card Operating System

A project is currently underway at IIT, Kanpur and SCL, S.A.S. Nagar, Punjab for design and development of Next Generation Multi Application Smart Card Operating System Implementations for SCOSTA .Primarily the objectives of this project are enhancing of the SCOSTA Specifications, Reference Implementation, Compliance Test Kit and other associated tools to incorporate Contact-less interface, PKI and other requirements for catering to multi applications like projects on National ID and Micro e-Purse. The Contact less interface and PKI enhancements have already been developed and are being tested in application environment. The project is almost on the verge of completion.

Smart Card Readers and Terminal Standards

The main objectives of the Smart Card Readers and Terminal Standards being developed at IIT, Kanpur are to establish continuity with  SCOSTA Card definitions and develop smart card terminal and reader specifications for the hardware and Operating System, including the standardized methods of programming to support  SCOSTA based applications. The specifications have already been defined and reference implementation of terminal and reader developed. Terminal and reader is now being tested in an application environment for gauging its user-readiness.

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Titanium Smart Traveler Credit Card

A card with extra travel benefits to make your journeys more rewarding

Titanium Smart Traveller Credit Card

Titanium Smart Traveller Credit Card takes care of all your travelling needs without any hassle since it comes with extra travel benefits. It is the right choice for frequent travellers for it comes with additional perks and benefits. You can convert all your purchases above Rs. 2500 into EMI as a benefit of Smart traveler credit card. Also you will get Axis eDGE rewards and fuel surcharge waiver as other benefits.

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Convert purchases to emi, axis edge rewards, extra edge points on spends abroad.

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Benefits of Titanium Traveller Credit Card are manifold and extend to various things like reward points, waiver of fuel surcharge, points on abroad spending, conversion of purchases to EMI, dining delights etc.

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• Avail exciting offers this festive season exclusively for your Axis Bank Credit Card powered by Mastercard. Please Click here to avail the offers.

Fuel up and get a waiver on surcharge

• 1% fuel surcharge waiver on all fuel transactions in India with an Axis Bank Titanium Credit Card
• Valid on transactions between Rs. 400 and Rs. 4,000 only
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• The fuel surcharge is not levied by the card issuing bank, on certain fuel transactions, the fuel surcharge may be levied as INR 10 instead of 1 percent with additional GST.
• The fuel surcharge is not levied by the card issuing bank, on certain fuel transactions, the fuel surcharge may be levied as INR 10 + GST instead of 1% + GST.

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On any transaction over Rs. 2,500, contact the Bank to convert a big credit card purchase into EMIs through multiple options – Internet Banking, Mobile App or Customer Service channel.

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Earn Axis EDGE REWARDS

Axis EDGE REWARD points for transactions and 500+ rewards and offers to redeem points. Earn points for these transactions:

• 8 points on every Rs. 200 spent on the credit card while traveling abroad
• 4 points for ever Rs. 200 spent on hotels, holiday packages, airlines, train and bus bookings in India
• 2 points on every Rs. 200 spent on the credit card in India

For options to redeem points, check the Axis EDGE REWARD Catalogue

*No Axis EDGE REWARD Points will be awarded on fuel spends, balance transfer, cash withdrawal and transactions converted to EMI

No reward points will be credited for rent, utilities and insurance payments.

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One-Nation-One-Card: Here’s what you need to know about India’s public transport smart card

Bi india bureau   .

• India on Monday launched a smart card that aims to link all modes of public transport in the country.
• The RuPay-powered card is an amalgamation of all the other cards. People will be able to book tickets, use it for metro in any city and pay for parking.
• It will also let users withdraw money using the card.
• It will be powered by RuPay and can be used across all the public transport and retail payments including transit, retail, toll, and parking. In fact, it will let people withdraw money from it.
• The card will be issued by any bank as debit, credit or prepaid.
• The “Made in India” RuPay Card is a contactless card and will allow people to tap-and-go.
• It can be used just like any other debit or credit card. The smart card can either be used to get tickets from the counter or to enter the stations like metro.
• The smart card also has a “unique stored value” feature that can be used to make digital payments in offline mode.
• It will also allow the purchase of monthly passes and season tickets.
• The concept of a single card for all public transportation came from Singapore and London. London’s Oyster card allows travel on any bus, metro or suburban trains.
• India is reportedly using its own indigenous technology to support the card.

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National Common Mobility Card: All you need to know, from features to application process about NCMC

National common mobility card: ncmc aims to streamline the travel experience while also promoting a digital-first approach to daily transactions. here’s everything you need to know..

National Common Mobility Card (NCMC): In the era of smart technology, India takes a significant leap towards enhancing the travel experience with the introduction of the National Common Mobility Card (NCMC), introduced as the ‘ One Nation, One Card ’, enabling users to pay travel charges, toll tax, and parking fees via one card.

Launched by the Ministry of Housing and Urban Affairs of the Government of India on March 4, 2019, this initiative aims to streamline public transport payments across the country and make travel seamless and interoperable across different public transportation, such as metro rails, buses, trains, and other forms of transit.

Here’s everything you need to know about the NCMC, from its features to the application process and more. 

What is the NCMC?

Devised to encourage cashless transactions and present a unified payment platform for commuters across the country, launched under the Prime Minister’s ‘One Nation, One Card’ initiative, the National Common Mobility Card (NCMC) is an interoperable transport card.

It allows holders to pay for multiple types of public transport, as well as withdraw money and do other retail payment applications, using a single card. Also available as debit/credit/prepaid RuPay cards from 25+ partner banks, including Bank of India, State Bank of India, Punjab National Bank, and others.

Hence, this initiative not only aims to simplify access to transport but also promotes the use of digital payments across the country.

Key features of the NCMC:

• Interoperability: The card is usable across various modes of transport nationwide, including metro, buses, suburban railways, and even toll and parking charges, eliminating the need for multiple cards.
• Contactless transactions: Equipped with Near Field Communication (NFC) technology, the NCMC allows for tap-and-go payments, speeding up the transaction process.
• Secure transactions: Enhanced security features ensure that your transactions are safe and your privacy is protected.
• Offline transaction capability: For low-value transactions, the card supports offline payments, reducing dependency on network connectivity for payments.
• Multi-purpose use: Beyond transportation, the card can be used for retail purchases, making it a versatile tool for daily use.

How to apply for an NCMC 

• The NCMC is issued by participating banks, so the first step is to check which banks offer the card. 
• Applying for an NCMC can be done through online banking platforms or by visiting the bank branches.
• The process involves filling out an application form and submitting the required KYC (know your customer) documents.
• Once your application is approved and you receive your card, you may need to activate it as per the bank’s instructions, which might involve setting a PIN or signing into a banking app.
• Before using the card for travel or purchases, you’ll need to top it up with money. This can be done via net banking, mobile banking, or at select recharge points across the city.
• With the card activated and topped up, one is ready to use it across various transport modes and retail outlets that support NCMC payments.

The National Common Mobility Card is a step towards transforming and digitising India’s public transport system, making it more efficient and user-friendly. By reducing the need for multiple cards and cash transactions, the NCMC aims to not only streamline the travel experience but also promote a digital-first approach to daily transactions.

The Reserve Bank of India's data revealed that listed private non-financial companies experienced a 6.9% increase in sales and a 14.2% rise in net profits in the April-June quarter of FY25. However, the annual sales growth rate in FY24 decreased to 4.7%. Q1 FY also saw an improvement in operating profit and interest coverage ratio.

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Travel credit cards

From cashback offers on duty-free spends to complimentary lounge passes, a travel credit card sets you up to fly with the best travelling experience possible, every time!

Benefits of Travel Credit Cards

You’re not going to miss out on shopping at the duty-free stores, so why not get a little something every time you do? The best travel credit cards are the ones that give you the most benefits, and Standard Chartered has quite a few of those. The SC Ultimate credit card lets you enjoy 5%* cashback on duty free shopping too so go ahead, splurge a little!

Travel credit cards can also get you good rewards. SC’s Ultimate credit card lets you earn 5 reward points on every INR 150 you spend, with 1 reward point being equal to 1 INR in value.

This benefit is pretty exciting too, as far as travel credit card offers go. The Standard Chartered Ultimate card offers 5%* cashback on all duty-free purchases, a benefit ranking right on top with the other favorite features for SC credit cards.

Lounge access

Access to airport lounges is perhaps a top favorite of all the travel card benefits available. The Ultimate credit card offers a complimentary Priority Pass membership granting you access* to over 1000 exclusive airports lounges across the world. You can also avail 2 complimentary Priority Passes for Domestic and International airport lounges every month on spend over INR 20,000 in a month.

Explore Cards offering Travel Benefits and compare their features

For most of us, travelling isn’t just about getting from one place to another; it’s about the experience, the journey as much as the destination itself. This is why travel credit cards are so popular these days. Standard Chartered travel credit cards offer the best benefits available in the market. Here’s an in-depth view into some of these benefits –

The Ultimate credit card

If you like to travel frequently then the Ultimate credit card will prove most convenient for you. It comes with an incredibly low foreign exchange markup fee of 2%* on overseas transactions and can complement your premium lifestyle perfectly. With this card in hand, you can enjoy rewards on travel expenditure and fine dining, as well as access to multiple airport lounges and golf courses across the world. The fact that it offers the highest reward value of 3.33% on all your spends certainly doesn’t hurt either!

The Visa Infinite credit card

Our Priority Banking customers can avail of exclusive, personalised services with the Priority Visa Infinite credit card, as a token of our appreciation for your continued support and relationship with us. Privileges also include a complimentary overseas air accident insurance cover of INR 1.2 crore as well as medical insurance benefits for your protection.

Documents Required to Apply for Travel Credit Card

The online application process for a Standard Chartered credit card is pretty straightforward. You will require a few basic documents which include:

• Passport size photographs (must be recent)
• Document showing proof of identity
• Document showing proof of address
• For salaried persons – previous month’s salary slip
• For self-employed persons – previous year’s ITR with computation of income/Last Business Continuity Proof

Proof of address includes –

• Driving license
• Passport copy
• Voter Id card
• Aadhaar card

For proof of identity you can use the same documents with the additional possibility of a PAN card.

Travel Credit Card FAQs

What type of travel privileges can my credit card provide?

Standard Chartered travel credit cards offer a wide array of complimentary features and benefits. Indulge yourself with airport lounge access, reward points for every purchase, fabulous cashback offers on duty free shopping and discounts on flight tickets bought on specific sites. You can even benefit from our complimentary travel insurance.

What makes credit cards worth it for travelers?

Travelling comfortably can be an unnecessarily expensive affair. This is why the best travel credit cards are ones that are designed to give you the elite travelling experience while going easy on your pocket.  There are also cashback offers, discounts on hotels as well as flight tickets and even complimentary overseas insurance coverage. The Ultimate credit card also offers a low foreign exchange markup fee of 2% on overseas transactions.

Imagine your flight is postponed, or you are stepping out after a really long plane trip to connect to your next. Nothing can help refresh your spirits better than those plush recliners, serene spaces, spas, assorted beverages and fine dining at most Priority Pass airport lounges. Your travel credit card is your mode of access into these places and you are free to relax, get work done or even freshen up before you continue on your journey.

What credit score is needed for a travel credit card?

Credit card scores tend to be higher for clients with a reputation of handling their credit responsibly and paying their bills on time. If your score is good, you are more likely to get approved by credit card companies for availing their premium travel credit cards.

How does a travel credit card work?

You do not have to be a frequent traveller to appreciate how much a travel credit card can enrich your travelling experience abroad or even within the country. The travel credit card comes with varied benefits, even as they help you make the most out of your money. Some of these benefits include:-

Cashback on duty-free spends – Let nothing hold you back from splurging at duty-free stores with the cashback deals on our travel credit cards. The Ultimate credit card, for example, will get you 5% cashback up to INR 1000 per month on your duty free spends. Shopping with our Ultimate credit card at these shops will get you 5% cashback too.

Complimentary overseas insurance – Your safety is our concern as well, and that is why we offer complimentary overseas air accident coverage of 1 – 1.2 crore with both our Ultimate credit card and our Priority Infinite Visa credit card.

Airport lounge access – The Ultimate and Priority Visa Infinite credit card also provide complimentary airport lounge access. Enjoy the perfect opportunity to relax and unwind after a particularly long or trying flight, away from the hustle and bustle of the airport, and indulge in fine dining and luxury facilities too.

How can I use my credit card for free travel?

You can travel for free by simply following a few basic steps with your credit card:

• Start by applying for the right travel credit card. Choose one that gives you the maximum reward points so that you can earn enough points to make the trip you want.
• Use your credit card regularly for all future purchases to continue earning points!

What is VKYC?

VKYC, or simply Video KYC, is a feature that allows you to complete your KYC through a video from the comfort of your home while applying online for a Standard Chartered credit card, personal loan, or savings account. With this feature, our application process becomes even more simpler and completely contactless. Click here to learn more.

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5 Best Travel Cards for India

Getting an international travel card before you travel to India can make it cheaper and more convenient when you spend in Indian Rupee. You'll be able to easily top up your card in USD before you leave the US, to convert seamlessly to INR for secure and flexible spending and withdrawals.

This guide walks through our picks of the best travel cards available for anyone from the US heading to India, like Wise or Revolut. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

5 best travel money cards for India:

Let's kick off our roundup of the best travel cards for India with a head to head comparison on important features. Here's an overview of the providers we've picked to look at, for customers looking for ways to spend conveniently overseas when travelling from the US:

Each of the international travel cards we’ve picked out have their own features and fees, which may mean they suit different customer needs. Keep reading to learn more about the features, advantages and disadvantages of each - plus a look at how to order the travel card of your choice before you head off to India.

Wise travel card

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in India. Wise accounts can hold 40+ currencies, so you can top up in USD easily from your bank or using your card. Whenever you travel, to India or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

In either case you’ll get the mid-market exchange rate with low, transparent fees whenever you spend in INR, plus some free ATM withdrawals every month - perfect if you’re looking for easy ways to arrange your travel cash.

Wise features

Wise travel card pros and cons.

• Hold and exchange 40+ currencies with the mid-market rate
• Spend seamlessly in INR when you travel
• Some free ATM withdrawals every month, for those times only cash will do
• Ways to receive payments to your Wise account conveniently
• Manage your account and card from your phone
• 9 USD delivery fee for your first card
• ATM fees apply once you've exhausted your monthly free withdrawals
• Physical cards may take 14 - 21 days to arrive

How to apply for a Wise card

Here’s how to apply for a Wise account and order a Wise  travel card in the US:

Open the Wise app or desktop site

Select Register and confirm you want to open a personal account

Register with your email, Facebook, Apple or Google ID

Upload your ID document to complete the verification step

Tap the Cards tab to order your card

Pay the one time 9 USD fee, confirm your mailing address, and your card will be on the way, and should arrive in 14 - 21 days

Revolut travel card

Choose a Revolut account, from the Standard plan which has no monthly fee, to higher tier options which have monthly charges but unlock extra features and benefits. All accounts come with a smart Revolut card you can use in India, with some no fee ATM withdrawals and currency conversion monthly, depending on the plan you pick. Use your Revolut account to hold and exchange 25+ currencies, and get extras like account options for under 18s, budgeting tools and more.

Revolut features

Revolut travel card pros and cons.

• Pick the Revolut account plan that suits your spending needs
• Hold and exchange 25+ currencies, and spend in 150 countries
• Accounts come with different card types, depending on which you select
• All accounts have some no fee currency exchange and some no fee ATM withdrawals monthly
• Some account tiers have travel perks like complimentary or discounted lounge access
• You need to upgrade to an account with a monthly fee to get all account features
• Delivery fees may apply for your travel card
• Fair usage limits apply once you exhaust your currency conversion and ATM no fee allowances
• Out of hours currency conversion has additional fees

How to apply for a Revolut card

Set up your Revolut account before you leave the US and order your travel card. Here’s how:

Download and open the Revolut app

Register by adding your personal and contact information

Follow the prompts to confirm your address and order your card

Pay any required delivery fee - costs depend on your account type

Chime travel card

Use your Chime account and card to spend in India with no foreign transaction fee. You’ll just need to load a balance in USD and then the money is converted to INR instantly with the Visa rate whenever you spend or make a withdrawal. There’s a fee to make an ATM withdrawal out of network, which sits at 2.5 USD, but there are very few other costs to worry about. Plus you can get lots of extra services from Chime if you need them, such as ways to save.

Chime features

Chime travel card pros and cons.

• No Chime foreign transaction fees
• No ongoing charges for your account
• Lots of extra products and services if you need them
• Easy ways to manage your money online and in app
• Virtual cards available
• You'll need to inform Chime you're traveling to use your card abroad
• Low ATM limits
• Cards take 7 - 10 days to arrive by mail

How to apply for a Chime card

Here’s how to apply for a Chime account and order a travel card in the US:

Visit the Chime website or download the app

Click Get started and add your personal details

Add a balance

Your card will be delivered in the mail and you can use your virtual card instantly

Monzo travel card

Monzo cards can be ordered easily in the US and used for spending in India and globally. Monzo accounts are designed for holding USD only - but you can spend in INR and pretty much any other currency easily, with no foreign transaction fee. Your funds are just converted using the network exchange rate whenever you pay or make a withdrawal.

Monzo doesn’t usually apply ATM fees, but it’s worth knowing that the operator of the specific ATM you pick may have their own costs you’ll need to check out.

Monzo features

Monzo travel card pros and cons.

• Good selection of services available
• No foreign transaction fee to pay
• No Monzo ATM fee to pay
• Manage your card from your phone conveniently
• Deposits are FDIC protected
• You can't hold a foreign currency balance
• ATM operators might apply their own fees

How to apply for a Monzo card

Here’s how to apply for a Monzo account and order a travel card in the US:

Visit the Monzo website or download the app

Click Get Sign up and add your personal details

Check and confirm your mailing address and your card will be delivered in the mail

Netspend travel card

Netspend has a selection of prepaid debit cards you can use for spending securely in India. While these cards don’t usually let you hold a balance in INR, they’re popular with travelers as they’re not linked to your regular checking account. That increases security overseas - plus, Netspend offers virtual cards you can use to hide your physical card details from retailers if you want to.

The options with Netspend vary a lot depending on the card you pick. Usually you can top up digitally or in cash in USD and then spend overseas with a fixed foreign transaction fee applying every time you spend in a foreign currency. You’ll be able to view the terms and conditions of your specific card - including the fees - online, by entering the code you’ll find when your card is sent to you.

Netspend features

Netspend travel card pros and cons.

• Large selection of different card options depending on your needs
• Some cards have no overseas ATM fees
• Prepaid card which is secure to use overseas
• Manage your account in app
• Change from one card plan to another if you need to
• You may pay a monthly fee for your card
• Some cards have foreign transaction fees for all overseas use, which can be around 4%
• Selection of fees apply depending on the card you pick

How to apply for a Netspend card

Here’s how to apply for a Netspend account and order a travel card in the US:

Visit the Netspend website

Click Apply now

Complete the details, following the onscreen prompts

Get verified

Your card will arrive by mail - add a balance and activate it to get started

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Although there are lots of different travel money cards on the market, all of which are unique, one similarity you'll spot is that the features and fees have always been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees for common international transactions like ATM withdrawals.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your United States Dollar everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

They all have distinct benefits when you head off to India or elsewhere in the world, but they do work a bit differently.

Travel debit and prepaid cards are usually linked to an online account, and may come from specialist digital providers - like the Wise card. These cards are usually flexible and cheap to use. You'll be able to manage your account and card through an app or on the web.

Travel credit cards are different and may suit different customer needs. As with any other credit card, you may need to pay an annual fee or interest and penalties depending on how you manage your account - but you could also earn extra rewards when spending in a foreign currency, or travel benefits like free insurance for example. Generally using a travel credit card can be more expensive compared to a debit or prepaid card - but it does let you spread out the costs of your travel across several months if you'd like to and don't mind paying interest to do so.

What is a prepaid travel money card best for?

Let's take a look at the advantages of using a prepaid travel money card for travellers going to India. While each travel card is a little different, you'll usually find some or all of the following benefits:

• Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
• Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
• You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
• Travel cards are secure as they're not linked to your everyday USD account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for India

We've picked out 5 great travel cards available in the US - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for India include:

• What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
• What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
• Does the card support a good range of currencies? Getting a card which allows you to hold and spend in INR can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
• Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences.

What makes a good travel card for India

The best travel debit card for India really depends on your personal preferences and how you like to manage your money.

Overall, it pays to look for a card which lets you minimise fees and access favourable exchange rates - ideally the mid-market rate. While currency exchange rates do change all the time, the mid-market rate is a good benchmark to use as it’s the one available to banks when trading on wholesale markets. Getting this rate, with transparent conversion fees, makes it easier to compare costs and see exactly what you’re paying when you spend in INR.

Other features and benefits to look out for include low ATM withdrawal fees, complimentary travel insurance, airport lounge access or emergency cash if your card is stolen. It’s also important to look into the security features of any travel card you might pick for India. Look for a card which uses 2 factor authentication when accessing the account app, which allows you to set instant transaction notifications, and which has easy ways to freeze, unfreeze and cancel your card with your phone.

When you head off to India you can expect to find you’ll be able to use your card - but not always. Some merchants still prefer cash payments, especially in smaller villages - so choosing a card which is easy to pay with, but which also has simple and low cost ways to make ATM withdrawals should mean you’re covered no matter what happens

Ways to pay in India

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

In India card payments are common in most situations. You’ll be able to make Chip and PIN or contactless payments or use your favourite mobile wallet like Apple Pay to tap and pay on the go. It’s still worth having a little cash on you just in case - and for the odd situations where cash is more convenient, such as when tipping or buying a small item in a market.

Which countries use INR?

You’ll find that INR can only be used in India. If you don’t travel to India frequently it’s worth thinking carefully about how much to exchange so you’re not left with extra foreign currency after your trip. Or pick a travel card from a provider like Wise or Revolut which lets you leave your money in USD and convert at the point of payment with no penalty.

What should you be aware of when travelling to India

You’re sure to have a great time in India - but whenever you’re travelling abroad it's worth putting in a little advance thought to make sure everything is organised and your trip goes smoothly. Here are a few things to think about:

1. Double check the latest entry requirements and visas - rules can change abruptly, so even if you’re been to India before it’s worth looking up the most recent entry requirements so you don’t have any hassle on the border

2. Plan your currency exchange and payment methods - you can change USD to INR before you travel to India if you’d like to, but as card payments are common, and ATMs widely available, you can actually leave it until you arrive to get everything sorted as long as you have a travel money card. Top up your travel money card in USD and either exchange to INR in advance or at the point of payment, and make ATM withdrawals whenever you need cash. Bear in mind that currency exchange at the airport will be expensive - so hold on until you reach India to make an ATM withdrawal in INR if you can.

3. Get clued up on any health or safety concerns - get travel insurance before you leave the US so you have peace of mind. It’s also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don’t offer fair prices or adequate services.

Conclusion - Best travel cards for India

Ultimately the best travel card for your trip to India will depend on how you like to manage your money. Use this guide to get some insights into the most popular options out there, and to decide which may suit your specific needs.

How does a Indian Rupee card work?

Getting a Indian Rupee card can make managing your money easier when you travel to India.

Your Indian Rupee card will be linked to a digital account you can manage from your phone, so you'll always be able to see your balance, get transaction notifications and manage your card no matter where you are. Just add money to your account in pounds, and - depending on your preferences and the specific card you pick - you can either convert your balance to Indian Rupee instantly, or just let the card do the conversion when you spend or make a withdrawal.

If your card gives you the option to hold a Indian Rupee balance, there's not normally any extra fee to spend the Indian Rupee you have in your account when you're in India.

Can I withdraw Indian Rupee currency with my card in India?

With some cards, you'll be able to add money to your card in United States Dollar, and then convert to Indian Rupee instantly online or in your card's app.

Once you have a balance in Indian Rupee you can spend with your card with no extra fees - just tap and pay as you would at home. You'll also be able to make cash withdrawals whenever you need to, with no extra conversion fee to pay. Your card - or the ATM operator - may charge a withdrawal fee, but this can still be a cheap, secure and convenient option for getting cash when you need it.

With other cards, you can't hold a balance in Indian Rupee on your card - but you can leave your money in United States Dollar and let the card convert your money for you when you spend and withdraw.

Some fees may apply here - including currency conversion or foreign transaction charges - so do compare a few different cards before you sign up, to make sure you're picking the one which best suits your specific spending needs.

Bear in mind though, that not all cards support all currencies - and the range of currencies available with any given card can change from time to time. If your card doesn't let you hold a balance in Indian Rupee you might find that fees apply when you spend in India, so it's well worth double checking your card's terms and conditions - and comparing the options available from other providers - before you travel, just in case.

Why should I get a Indian Rupee card?

Getting a Indian Rupee card means you can spend like a local when you're in India. You'll be able to check your Indian Rupee balance at a glance, add and convert money on the move, and use your card for secure spending and withdrawals whenever you need to. Best of all, Indian Rupee cards from popular providers often offer good exchange rates and low, transparent fees, which can mean your money goes further when you're on a trip abroad.

FAQ - best travel cards for India

When you use a travel money card you may find there’s an ATM withdrawal fee from your card issuer, and there may also be a cost applied by the ATM operator. Some of our travel cards - like the Wise and Revolut card options - have some no fee ATM withdrawals every month, which can help keep down costs.

Travel money cards may be debit, prepaid or credit cards. Which is best for you will depend on your personal preferences. Debit and prepaid cards are usually pretty cheap and secure to spend with, while credit cards may have higher fees but often come with extra perks like free travel insurance and extra reward points.

There’s no single best prepaid card for international use. Look out for one which supports a large range of currencies, with good exchange rates and low fees. This guide can help you compare some popular options, including Wise, Revolut and Monzo.

Yes, you can use your local debit card when you’re overseas. However, it’s common to find extra fees apply when spending in foreign currencies with a regular debit card. These can include foreign transaction fees and international ATM charges.

Usually having a selection of ways to pay - including a travel card, your credit or debit card, and some cash - is the best bet. That means that no matter what happens, you have an alternative payment method you can use conveniently.

Yes. Most travel debit cards have options to make ATM withdrawals. Check the fees that apply as card charges do vary a lot. Some cards have local and international fees on all withdrawals, while others like Wise and Revolut, let you make some no fee withdrawals monthly before a fee kicks in.

Both Visa and Mastercard are globally accepted. Look out for the logo on ATMs and payment terminals in India.

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their USD / INR rate to calculate how much Indian Rupee you would receive when exchanging / spending $4,000 USD. The card provider offering the most INR is displayed at the top, the next highest below that, and so on.

The rates were collected at 09:36:26 GMT on 25 May 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.

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How to use the ONE card to get around Delhi

Delhiites, you can now travel by metro trains, DTC buses and cluster buses using just 'ONE' card. The card, emblazoned with pictures of Delhi monuments, was launched by the Delhi government along with the Delhi Metro Rail Corporation (DMRC) and the Delhi Transport Corporation (DTC). Here's everything you need to know about it.

What is the ONE card?

Unlike the Metro smartcard, which can only be used in buses, the ONE card can be used on all modes of public transport—the Delhi Metro, DTC buses or cluster scheme buses.

Where to buy the ONE card in Delhi?

The card is available for purchase at all Metro stations and DTC pass counters. The smartcards are still active, however, and all new purchasers will be given the ONE card from now on.

How to use the ONE card?

Electronic payment had become a feature on 5,500 buses with the launch of the Metro smart card. Passengers had to present their smartcard to the bus conductor who will flash it on the electronic ticketing machine (ETM) screen to deduct the fare. The ONE card works in the same manner. All passengers have to do is top the card.

What's next?

The Delhi government will soon launch a common app that will let passengers plan multi-modal trips, using buses and the Metro to get around Delhi. Additionally, the app will also show the live locations of Delhi's buses.

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Smart cards – an illustrated guide ( 2023).

Last updated: 26 April 2023

Want to know more about smart cards ?

Then you're in the right place.

Ever thought about how that tiny piece of plastic in your wallet or phone can unlock a world of finances, identity, and communication? 

Join us as we dive into the captivating story of smart cards and discover how they've seamlessly woven into the fabric of our everyday lives.

In this dossier, you'll discover critical facts about smart cards:

What is a smart card?

• Smart card markets, size, and value
• A short history of smart cards
• What are the features and benefits of smart cards?
• Smart card use cases: payment, IDs, mobile telephony, health...
• The crucial role of standards

What is a multiple application card?

• What is the cost of a smart card?

It integrates a microprocessor, some memory, and some apps. 

The circular metal contact is vital to connect to the chip below and activate the card electrically.

It's used with a contact or contactless card reader (POS for payments, at the ATM, or even on your mobile phone).

The card reader (or mobile phone) brings the 3V or 1.8 voltage to activate the chip.

Smart cards offer enhanced security and convenience, making them ideal for various applications, including secure transactions, access control, and identification purposes.

30 to 50B smart cards in circulation today

In the form of credit cards and SIM cards, smart cards  are the most common form of IT processing power on the planet. 

It is estimated that between 30 to 50B smart cards are in circulation today.

The smart card has a microprocessor or memory chip with the processing power to serve many different applications when coupled with a smart card reader.

In the last three decades, these tools, more than any other technology, have quietly taken us all into a virtual world.

• Smart credit cards mediate daily transactions worth trillions of dollars.
• SIM cards facilitate billions of conversations that connect our social and economic worlds.
• As an access-control device, smart cards ( company badges, university IDs ) make personal and business data available only to the appropriate users.
• As a National eID card , smart health card , residence permit, or electronic passport , smart card technology offers more robust identification and authentication tools for both authorities' and citizens' benefits.
• This technology, such as a driver's license or a tachograph card , contributes to road safety.

Over 10B smart cards shipped in 2022

According to the 11 February 2023  Eurosmart  forecasts, smart card markets will probably exceed 10 billion units in 2022. 

The overall market was stable in 2022 and reflected a mature market.

A flattish but stable market is expected for 2023 with a +0,2% growth.

2022 market share 

• Telecom: Telecom (SIM cards) accounts for 43% of the market. Mobile Device Manufacturers reach 5.0%
• Financial Services (payments and banking cards) for 44.6%
• Government & Healthcare (eIDS and e-passports) for 5.3%
• Transport: 2.2%

Significant trends in 2022 (updated)

• Telecom: Eurosmart predicts 4.5 billion units of rSIM and eSIM shipped, with eSIM showing double-digit growth. The telecom segment may decline slightly due to a constrained environment and consumer uncertainty.
• Mobile device manufacturers: A 6% growth is expected, reaching 520 million units, driven by contactless secure element payment features.
• Financial services: A slight decline of 0.6% is foreseen due to a constrained environment. However, contactless adoption continues to grow, with 81% of global shipments estimated to be contactless cards in 2022.
• Government and healthcare: The market will grow in 2022, reaching 550 million units, driven by contactless features in identity documents and health cards.
• Transport: An increase in demand in 2022 is confirmed, with 225 million units expected to be reached.
• Sustainability: The take-off of sustainable cards in 2022 is a significant driver, with an estimated 350 million payment cards and SIM cards using sustainable materials.

2023 forecasts by markets

• Telecom: A flattish but stable market with a 0.2% growth is expected. 
• Mobile device manufacturers: A growth of 3.8% is predicted, with 540 million units shipped.
• Financial services: A 3.7% growth is expected, reaching 3.35 billion units, driven by the continued increase in contactless adoption.
• Government and healthcare: Market volumes are expected to reach 575 billion units shipped, representing a 4.5% YoY growth, thanks to accelerated digitalization and public policies.
• Transport: An 11% growth in demand is expected, driven by factors like fuel prices, urbanization, and sustainability concerns.
• Sustainability: Further progression of sustainable payment cards and SIM cards is expected during 2023.

A $17B market in 2026

According to Markets and Markets' recent research report, the smart card market value is expected to reach $16.9 billion by 2026.

Currently, smart cards and card readers account for more than 75% of the market.

The related market for software comprises management system software and databases. In addition, consulting, support, and maintenance services are also crucial.

The Asia Pacific is forecast to take the largest share of the market, as reported by the same study.

• Gemalto (now part of THALES), Giesecke and Devrient, and IDEMIA (formerly Oberthur Technologies and Morpho) are prominent players in these markets.
• Major smart card microprocessor vendors are Infineon Technologies, NXP Semiconductors, Samsung, and STMicroelectronics.

The  Mordor Intelligence market study, excluding readers and services, sizes the smart card market at USD 8.14B in 2019 and 11.50B by 2025.

What is the history of smart cards?

Roland Moreno patented the memory card in 1974.

By 1977, three commercial manufacturers, Bull CP8, SGS Thomson, and Schlumberger, started developing smart card products. 

In March 1979, Michel Hugon from Bull CP8 was the first to design and develop a microprocessor-based card combining a processor and local memory. He invented the computerized smart card .

• 1979: early developments in the banking sector
• 1995: first SIM cards
• 1999: first national eID card ( Finland ID )
• 1999: first smart cards for transport
• 2001: The Department of Defense first issued Military CAC credentials for physical access control and secured logical authentication
• 2003: Micro-SIM launched
• 2003: Chip and PIN cards began to be issued in the UK.
• 2005: first ICAO-compliant electronic passport (Norway passport)
• 2010: Smart credit cards arrived in the US.
• 2012: Nano-SIM introduced
• 2018: first biometric contactless payment card, eSIM, launched (thickness is <1 mm or 0.039 in)
• 2019 First 5G SIM available
• 2021 First voice payment card launched
• 2023 First GSMA-certified  iSIM  

About smart cards and Green I.T. technologies

Smart card technology is an ideal Green I.T. tool. 

It is a familiar portable object with a  long life cycle  (3 to 10 years) and a light carbon footprint.

There's more.

It has a low electric consumption (only seconds and when in use) and can be available en masse  at a very reasonable cost per unit.

At Thales, we encourage using organic or non-toxic alternative materials such as polylactic acid and recycled PVC for eco-friendly banking cards and polycarbonate for ID or health cards.

We also promote innovative climate-conscious programs such as the remarkable one from Doconomy  and the fight against marine plastic pollution.

Visit our page on Parley Ocean Plastic and American Express.

Smart card dimensions and major standards

The ISO/IEC 7810 ID-1 standard defines, in particular, the usual size of an ID card.

The  ID-1 size is 85.60 × 53.98 mm (3 3⁄8 in. × 2 1⁄8 in.) and rounded corners with a 2.88–3.48  mm radius.

This format is used for PET, PVC, eco-friendly PLA, polycarbonate, or total metal cards .

• Many countries use it for IDs, driver's licenses, and health cards.
• Credit card dimensions  (with or without a chip) are the same, with a thickness of 0,03 inches or 0,76 mm.
• SIM cards have different formats: Standard SIM (15 x 25mm), Micro SIM (12 x 15mm), Nano-SIM (8.8 x 12.3mm), embedded SIM or eSIM (5x6 mm and 1 mm thick).

I SO/IEC 7816 is an international standard for electronic identification cards with contacts, especially smart cards, managed jointly by the International Organization for Standardization (ISO) and the International Electrotechnical Commission (IEC).

ISO/IEC 14443 defines the standard for contactless cards.

What are the features of a smart card?

Smart cards provide ways to securely identify and authenticate the holder and third parties who want access to the card. For example, a cardholder can use a PIN code or biometric data for authentication.

They also provide a way to securely store data on the card and protect communications with encryption .

To know more about encryption, visit our dossier on the history of cryptography .

Smart cards provide a portable, easy-to-use form factor.

Technical features of a smart-chip card: overview

What are the benefits of a smart card?

Smart cards contain unique features that benefit both consumers and issuing organizations.

Smart cards provide:

• Security (the physical layout of the chip is designed to be tamper-resistant, and a large portion of the operating-system code is dedicated to self-protection.)
• Confidentiality (the card and its data are with you, and YOU decide what to do with them.)
• Portability (you carry it in your wallet or phone.)
• Convenience (a consequence of all the above)

Smart cards offer more security and confidentiality than other financial information or transaction storage vehicles, making them a perfect solution for e-commerce transactions.

As they include a tamper-resistant microprocessor, they have substantial processing power to protect the information and encrypt and execute instructions from specific programs. Here's where smart cards have a massive advantage over magstripe cards.

Can you imagine a portable vault? 

You have it.

A smart card is a safe place to store valuable information such as private keys, account numbers, passwords, or personal information.

It's also a secure place to perform processes that one doesn't want to be exposed to the world, for example, performing a public key or private key encryption. 

The benefit of the smart card is that you can verify the PIN or fingerprint securely offline.

Different types of smart cards , from left to right:

• online authentication access (with the US DoD smart badge -  military CAC ),
• secure transaction with an EMV card (with a  biometric sensor ), 
• strong identification with your national ID card.

What are the types of smart cards?

To begin with, magnetic stripe cards are definitively not smart cards.

Memory vs microprocessor

Smart cards come in two varieties: memory and microprocessor (smart chip).

Memory cards store data and can be viewed as small USB memory sticks with optional security. On the other hand, a microprocessor card can add, delete, and manipulate information in its memory on the card.

Like a miniature computer, a microprocessor card has an input/output port operating system and a hard disk with built-in security features like encryption s .

Contact vs contactless

Smart cards have two different types of interfaces: contact and contactless. 

Contact smart cards are inserted into a smart card reader, making physical contact with the reader.

However, contactless smart cards have an embedded antenna inside the card, enabling communication with the reader without physical contact. You tap and pay.

Contactless is easy and convenient. It's a significant trend everywhere now due to the recent pandemic.

The COVID-19 outbreak has accelerated  contactless payments thanks to their hygienic benefits, as  Forbes  revealed (11 May 2020). 

The standard for contactless smart card communications is ISO/IEC 14443 and allows for communications up to 10 cm (3.9 in).

A combi card combines the two features with a very high level of security.

Do you want to know why contactless is safe ?

How are smart cards used?

The use of smart cards has expanded each year to include applications in various markets and disciplines.

The information age has recently introduced various security and privacy issues for advanced smart card security applications.

Here are some smart card examples:

Information Technology

Businesses, the government, and healthcare organizations continue to move towards storing and releasing information via networks, Intranets, extranets, and the Internet. 

These organizations are turning to smart cards to make this information readily available to those who need it while at the same time protecting the privacy of individuals and keeping their informational assets safe from hacking and other unwanted intrusions.

In this IT area, smart cards enable:

• Secure login and authentication of users to PCs and networks,
• Secure B2B and B2C e-commerce,
• Storage of digital certificates, credentials, and passwords,
• Encryption of sensitive data.

Mobile Telecommunications

Using the Global System for Mobile Communications (GSM) standard for mobile phones, subscribers use smartcard technology as SIM cards .

The smart card is inserted (removable SIM) or integrated ( eSIM ,  M2M SIM ) into the mobile handset or the M2M module.

Read more on What is an eSIM card?

Developers use the STK to define how the SIM card interacts with other applications.

Read more on  :

What is a SIM toolkit?

Understanding Soft SIM and Cloud SIM 

• Secure subscriber authentication,
• International roaming across networks,
• Secure mobile value-added services.

Commercial Applications

Smart cards also benefit many business applications in B2B and B2C environments. In addition, the smart card's portability and ability to be updated make it a technology well-suited for connecting the virtual and physical worlds and multi-partner card programs.

For online banking payments, new display cards are available. They come with an LCD and optionally with a keypad.

The cards store information, money, and applications that can be used for:

• Banking/payment
• Loyalty and promotions
• Access control
• Identification
• Parking and toll collection

The EMV payment standard had a powerful impact on smart payments worldwide. 

 Is a bank card a smart card? Yes, in most countries, credit and debit cards integrate a microprocessor with the EMV standard.

As of late 2015, all major U.S. payment brands moved from magnetic stripe cards to the global standard for payments, chip-based EMV cards .

Multiple applications  can be stored on the card, enabling partnering on card programs and providing added convenience to the cardholder. (Payment, loyalty , transport, eID, electronic signature...)

Biometrics can be added to the payment cards. Read our dossier: the case of the biometric banking card .

In Spain, Portugal, and Latin America, over 9 million university students use a Student Smart Car, developed by Banco Santander in 279 universities. 

The University Card is an ID, an access card, a payment card, and a wallet.

Digital money issued by Central banks could soon leverage payments offline  (smartphones and other offline devices such as banking cards), as evidenced by our recent studies. These new digital currencies could be accessible to the general public.

This is not the case for private crypto-currencies.

The Algerian health program uses smart health cards for patients (here in a reader) and smart USB tokens (with a chip) for health professionals. Discover the benefits of health cards in universal health care systems.  

Electronic IDs 

An electronic ID (e-ID) card fulfils various roles: it acts as a traditional means of identification, as a travel document, and finally, as a passkey to citizens' data.

Many international regulations and standards have been established on e-ID, most of which are applied by States.

The public has become accustomed to computerized smart cards through their use in the banking system, so their reliability is no longer questioned.

National ID cards are now also being used to access an array of services that were previously difficult to synchronize.

The e-ID card (aka computerized National identity card) can be used for identification, authentication, and electronic signature. Thus, this system enables several previously complex information paths to be simplified.

It can be used as:

• A representation of sovereign authority certifying that the holder is in a legitimate legal position to their national jurisdiction.
• A means for citizens to access services and exercise their rights and duties to the public authorities.
• A genuine seal of authenticity that the citizen can use to authenticate their actions regardless of the exchange formats and media use since the data used to ensure security and trust also guarantee the legal validity of any transactions certified in this way.

Health, health insurance and welfare cards

Health cards ,  including a microprocessor, also act as a significant component of an IT system. 

Smart Card India initiative was launched in India in the early 2000s .

In Andhra Pradesh, a state in southeast India, the government began to use smart cards to distribute welfare .

The government planned to use smart cards for a variety of initiatives; however, they focused on two social welfare enterprises. The Social Security Pensions (SSP) provides monthly allowances to the disabled and elderly, and the Mahatma Gandhi National Rural Employment Scheme (NREGS) ensures rural households a hundred days of paid employment every year.

The results?

The Smart Card India initiative has lowered transaction time, decreased leakages, and augmented beneficiary gratification.

Innovative technology, such as smart cards, has the potential to improve future welfare programs.

Electronic and biometric passports

Migration to electronic passports has been in progress since 2005. 

The electronic passport integrates smart card technology with a microprocessor that stores a digital version of the ID photo and all the ID data on the paper passport's first page.

Is my passport an electronic one?

Yes, the symbol printed at the bottom of the front page indicates that the US passport contains a microprocessor. They were first issued in 2006.  

The ICAO (International Civil Agency Organization) 9303 standards have been vital for the international deployment of biometric identification and electronic data storage in so-called machine-readable travel documents (MRTDs).

Why are other countries ahead of the US in applying smart card technology?

For various reasons, card issuers in different countries build their business case to justify smart cards' issuance. 

In the US, the fraud liability shift ( EMV liability shift ) occurred in late 2015 for POS devices and will apply in April 2021 for Automatic Fuel Dispensers. 

In June 2021, over 77% of all credit card payments (card present) were done with an EMV card chip. 

This figure will be compared with 95%+ in Canada, Latin America, Europe, Africa, and the Middle East.

New markets will further help make smart cards widespread in North America. 

Why are interoperability and standards crucial to the widespread adoption of smart cards?

Even though hundreds of smart card pilots exist worldwide, users may not take a card from one country or scheme and use it in another.

An industry-wide trend toward interoperability and open platforms is emerging, enabling the development of cards and applications that will work together in open environments.

To do this, the industry must examine the business and technical issues surrounding the need for standardized interfaces between cards, terminals, and slots, which is the key to securing dramatic growth for the industry.

The International Organization for Standardization (ISO) has developed standards for smart cards. 

PC/SC technology is a valuable asset too.

These standards were developed for use by multiple industries.

Individual industries are now developing proprietary versions of these ISO standards to support specific smart card applications.

Members of the Forum and others design many standards to support and promote smart card standards.

A multiple-application card is a smart card that can support different applications on the card itself, reducing the number of cards in the wallet. 

For example, the Blue from American Express chip offers two applications: extra security when shopping online using a PC smart card reader, an online wallet, and a ticketing application that verifies a Cardmember's ticket order.

Blue uses a multiple-application operating system, and American Express plans to add other applications to the card's smart chip.

We can find other examples with the Estonian ID card (Identity, transport, voting...), the Malaysian ID card (Identity, micro-payment, transportation, driving license, health care, welfare...), the Portuguese ID card (identity, welfare, tax, healthcare, voting), the Belgian and Finnish ID (ID and health)...

Added value with multiple applications

Meanwhile, Visa's multiple application card strategies provide applications that add value to Visa's core credit and debit payment products. 

The flexible Open Platform technology is critical to Visa's multi-application offering.

In addition to providing added application security through 'firewalls' on the chip, the Open Platform allows downloading new applications without reissuing the card.

Another multi-application program was conducted at Florida State University , where 40,000 smart cards were deployed, which featured students' identification, dormitory security, banking, and a wide range of stored value functions for food, payphone, photocopying, transportation, and vending services.

What is the cost of an average smart card?

Trying to respond to this question is like asking the cost of a car without defining whether it is a Volkswagen or a new Rolls Royce.

Let's be clear: the price of a smart card depends upon its capacity.

Why is reloadability essential to the development of smart cards vis-a-vis disposable cards?

There are markets for both disposable and reloadable cards.

Disposable cards work well for an event and as a collectable card.

If the card is a multiple application card supporting, for example, debit and credit and stored value, the customer would not want to throw this type of card away. 

It would be more appropriate if the stored value application is reloadable. This process is sometimes called "post-issuance."

The Smart Card Alliance

The Smart Card Forum represents diverse industries and government groups, many of whom have seemingly competing interests.

Is it possible that such a diverse group can work together productively?

Today, even competing entities agree that where new technologies are concerned, industry-wide efforts are required to build workable infrastructures and develop compatible, interoperable, multi-use systems.

On any meaningful scale, this effort cannot be accomplished by individual players acting in their interests. 

To date, the Forum has been highly successful in fostering communications across industries and the public sector and encouraging various trials demonstrating the viability of smart card-based payment and information systems.

Now it's your turn

What do you think?

If you've something to say on smart cards, a question to ask, or have found this article interesting, please leave a comment in the box below. We'd also welcome any suggestions on how it could be improved or proposals for future papers.

We look forward to hearing from you.

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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 can be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations in force at present.

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• Does a prepaid forex card have a validity period? Yes, a prepaid forex card has a validity period. Thomas Cook’s Borderless Prepaid Travel Card is valid for 5 years.
• Do I have to pay any annual maintenance charges for my prepaid forex card? There are no annual maintenance charges for Thomas Cook’s prepaid cards.
• Will I have to buy a new prepaid forex card every time I travel abroad? You can use the same prepaid card depending on your currency needs. For instance, if your 2nd trip entails using dollars in the foreign country then you can reuse your One Currency Card. However, if you need to carry any other currency, you may have to purchase Borderless Prepaid Card, in case you don’t have it already.
• How can I buy a prepaid forex card from Thomas Cook? You can either visit any Thomas Cook branch or place an order online. Just select ‘Buy Forex Online’, choose your desired currency and amount. Enter all your details and choose delivery options. Make the payment and you are good to go!
• What are the documents that are needed to buy a prepaid forex card? You will require the following documents to buy Forex cards from Thomas Cook • Valid Passport • Airline Ticket or Visa • Basic Travel Quota Form (BTQF) • Residence Permit • LERMS letter in case of business travel
• Can I pay for my forex card with cash? Yes, you can pay for your forex card with cash at any Thomas Cook branch.
• What happens if I lose my forex card during my travel abroad? If you lose your forex card just walk into the nearest Thomas Cook branch and we’ll provide you with a new forex card, absolutely free of cost. Your money will remain safe as the card is chip and PIN protected.
• Can I load multiple foreign currencies in a single forex card? Yes, you can. With Thomas Cook’s Borderless Prepaid Card, you can load up to 10 currencies in a single forex card.
• Can I use my forex card to withdraw cash from ATMs when abroad? Yes, you can use your Forex card at any ATM that accepts Master Card & Visa respectively.
• What should I do if I forget the ATM PIN of my forex card? You can either log on to Thomas Cook’s website and change the pin or call up our 24/7 customer care assistance.
• What is Dynamic Currency Conversion? Dynamic Currency Conversion (DCC) is an optional service that is sometimes offered by retailers and ATM operators abroad, giving cardholders the choice of paying in the currency of the country they are visiting or their own card currency. While choosing Card currency may seem convenient, it comes with extra charges. With Thomas Cook Prepaid Cards, you will not have to pay any DCC charges as DCC transactions are blocked which helps you save from paying unnecessary charges.
• Are there any charges for ATM withdrawals and swiping at merchant establishments? With Thomas Cook’s cards you don’t have to pay any transaction fees at Thomas Cook’s All Point Network (APN) ATMs. You will be charged a transaction fee by the ATM’s bank only if you withdraw from an ATM which is not in Thomas Cook’s APN. At merchant establishments, you’ll be charged a currency conversion fee if you are paying in a currency other than your country’s currency.
• What is the use of a borderless prepaid card? How is it helpful? Borderless Prepaid Multicurrency Card is a smart card that takes care of all your forex needs. It is a simple card that effortlessly fits in your pocket and empowers you to shop and explore like an avid traveler. No matter which country you are in, use this single prepaid forex card to splurge and pamper yourself, as well as withdraw money from ATMs.
• Set your forex card Transaction/ATM PIN effortlessly: Customer Portal: • Log in at https://www.borderlessprepaid.com/ • Click on 'Generate PIN' to set your own PIN Mobile App • Log in to the app • Click on 'Generate PIN' to set your own PIN WhatsApp • Send 'Hi' to 8879142236 • Select Manage Your Card • Login and click on 'Generate PIN' to set your own PIN

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This kind of card is suitable for travelers because they can take metro for unlimited trips on all Delhi metro lines within the valid period. However, the airport express is not included, so you need to buy the ticket separately if you take airport line.  

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The 6 Best Travel Money Cards for India 2024

If you’re travelling to India, a dedicated travel money card can make spending and withdrawing Indian rupees cheaper and more convenient. Different types of travel money cards exist to support different customer needs, including travel debit cards, prepaid travel cards and travel credit cards. The right one for you will depend on your personal preference and how you like to manage your money.

Read on for all you need to know, including a closer look at travel money card types, some great options to consider, and the sorts of fees you need to think about when you choose.

Wise - our pick for travel debit card for India

Before we get into details about different travel money card options, let’s start with the Wise card as a versatile option for a travel money debit card that allows you to hold and spend not only INR but also a diverse range of other currencies.

Wise accounts can hold and exchange 50+ currencies, and you can get a linked Wise card for a one time delivery fee. Top up your account in pounds and switch to INR before you travel, so you know your travel money budget in advance - or if you’d prefer, you can simply allow the card to automatically switch currencies as and when you need it. All currency conversion uses the mid-market exchange rate, with low fees from 0.41%. Here are some of the pros and cons of the Wise travel money debit card, to help you decide if it’s right for you.

Hold and exchange 50+ currencies alongside INR

No fee to spend any currency you hold, low conversion fees from 0.41%

Mid market exchange rate on all currency conversion

Some fee free ATM withdrawals every month

No ongoing fees and no interest to pay

7 GBP delivery fee

No option to earn points or rewards

Click here to read a full Wise review

What is a travel money card?

A travel money card can be used for payments online and in stores, and for cash withdrawals, just like your regular bank card can be. However, with a travel money card you’ll find the features and fees have been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees. Some travel cards also have options to earn cashback and rewards when you use your card internationally.

6 travel money cards for India compared

We’ll look at each of these card options in a little more detail in just a moment, but let’s start with an overview of how 6 top travel money cards for India compare side by side:

As you can see, the features and fees of different travel money cards can vary widely. In general travel debit cards can be convenient and often fairly cheap to use, while travel credit cards can offer some nice benefits like cashback or rewards - but do mean you might be faced by interest costs and late payment charges if you don’t clear your bill in full every month.

Travel debit cards often let you top up a linked account online or through an app, so you can set your budget and can’t spend more than you intend. Travel credit cards on the other hand let you spend to your card limit, and then repay the amount over a few months if you’d prefer to. Which is best for you will come down to how you like to manage your money - we’ll dive into a few more details about each card type, next.

What are different types of travel cards?

UK customers can get a travel money card from either a regular bank or a specialist provider, which may be a travel debit card, travel prepaid card or a travel credit card. Let’s take a closer look at what each travel money card type is, and pick out a couple of good card options, so you can compare and choose.

1. Travel debit cards

2. Travel prepaid cards

3. Travel credit cards

1. Travel Debit Cards

Travel debit cards are usually offered by specialist providers, with linked digital accounts you can use to hold and convert a currency balance. While different cards have their own features, travel debit cards can usually be topped up easily online and through an app, with the option to see your balance and get transaction notifications through your phone too. That makes it easier to keep on top of your money, even when you travel.

Wise - travel debit card for India

Wise is our best value travel money debit card for India. There’s no fee to open a Wise account, and just a small delivery fee for your Wise card, with no minimum balance and no monthly charge. You just pay low Wise fees from 0.41% when you convert currencies, and transparent ATM withdrawal fees when you exhaust the monthly free transactions available with your account.

No fee to open a Wise account, no minimum balance requirement

7 GBP one time fee to get your Wise card

2 withdrawals, to 200 GBP value per month for free, then 0.5 GBP + 1.75%

Hold INR and 50+ other currencies, convert between them with the mid-market rate

Travel debit card option 2: Revolut

Revolut has a selection of different account tiers, so you can simply pick the account you prefer - from free Standard plans to the 12.99 GBP/month Metal plan. All Revolut accounts have linked cards, although exactly what type of card you get depends on your account tier. You can hold around 25 currencies including INR, and convert currencies with the mid-market rate to your plan’s allowance.

No fee to open a Standard Revolut account, or upgrade for up to 12.99 GBP/month

Card delivery fees may apply depending on your account tier

All accounts have some fee free currency conversion with 0.5% fair usage fees after that

Standard plan holders can withdraw 200 GBP (up to 5 withdrawals in total) per month for free

Hold INR and around 25 other currencies

Pros and cons of using debit travel cards in India

No possibility to run up interest costs or late payment fees

Real-time currency holding and exchange options available

Digital top-up, management, and account viewing features

Safe to use as they're not connected to your primary UK bank account

Issued on widely-used global payment networks

Transaction and currency conversion fees may apply

Cash back and rewards may not be available

Click here to read a full Revolut review

How to choose the best travel debit card for India?

The best travel debit card for India really depends on your personal preferences and how you like to manage your money. If you’ll be travelling widely it makes sense to look for an account with mid-market currency exchange and a large selection of supported currencies as well as INR, like Wise. Other providers like Revolut can also be a good pick, particularly if you’ll use your account very frequently and would prefer to pay a monthly fee to unlock lots of fee free transactions and extra perks.

Is there a spending limit with a travel debit card in India?  

Different providers set their own limits for card use. Limits may apply daily, weekly or monthly, and can apply to different types of transactions. You might find you have a limit to the amount of ATM withdrawals you can make per day, for example, or the value of contactless payments - these limits are set for security and can sometimes be managed and changed in the provider’s app.

2. Prepaid Travel Cards

Prepaid travel cards can be ordered or collected from specialist providers - once you have a card you’ll just need to add funds in the supported currency of your choice. While prepaid travel cards are usually issued on large global networks - and can therefore be used pretty widely - not all cards support all currencies. INR prepaid cards are pretty hard to come by, so you may find you pay a foreign transaction fee when you spend. However, a prepaid card can still be helpful from a security perspective, as it means you won’t need to use your regular bank card while you’re in India.

Prepaid travel card option 1: Post Office

You can pick up a Post Office prepaid travel money card in a Post Office branch or order one online. You’ll then be able to top up in pounds or one of the 22 supported currencies. As INR isn’t a supported currency you’ll pay a 3% foreign transaction fee to spend with your card in India - however this card can still be a helpful choice because it means you can avoid using your regular bank card while overseas.

Hold and exchange 22 currencies (not including INR)

No fee to spend a balance in a supported currency

3% foreign transaction fee when spending a currency you don’t hold on the card

Variable ATM withdrawal fees based on the currency you hold

No interest to pay

Click here to read a full Post Office review

Prepaid travel card option 2: Monese

Monese accounts can be opened by UK residents to hold GBP, EUR and RON. There are several different types of accounts, from the Simple account which has no monthly fees, to fee paying account tiers which have more features. It’s free to spend a balance you hold - but as INR isn’t a supported currency, you may find you pay a foreign transaction fee of 2% when you’re spending in India. Foreign transaction fees may be waived for higher tier account holders.

Hold a balance in GBP, EUR or RON

Choose a free Simple account, or upgrade to an account with monthly fees

Foreign transaction fees of 2% may apply depending on your account tier

ATM withdrawal fees may apply, depending on the value of withdrawals and the account tier you hold

Track and spend Avios reward points within your account

Pros and cons of using prepaid travel cards in India

Manage your account, add more money or convert funds online or with an app

Accounts with no monthly fees are available

Selection of supported currencies, with no fee to spend a currency you hold

ATM withdrawals supported globally

Some accounts have extras like options to earn reward points

INR may not be a supported currency

Transaction fees apply to most accounts

How to choose the best travel prepaid card for India?

There’s no single best travel prepaid card for India - it’ll come down to your personal preference. If you hold a Monese Classic or Premium account already it’s good to know that the 2% foreign transaction fee is waived, which means you get the card network rate when you spend in India. This may be cheaper than using your regular bank card. The Post Office card can also be an option if you’re simply looking for an alternative to your normal bank card when you’re in India, plus you can get a card instantly by walking into a Post Office branch.

Is there a spending limit with a prepaid card in India?

Different prepaid travel cards set their own limits for spending and withdrawals, which can  vary between currencies. You’ll need to check your card’s terms and conditions carefully to make sure you pick a provider which suits your needs.

3. Travel Credit Cards

Travel credit cards typically offer some extra international features compared to regular credit cards, such as low or no foreign transaction fees or extra option to earn rewards when you’re abroad. In general, travel credit cards are safe and convenient but can be more expensive compared to using a debit card option. Before you select the right card for you it’s important to check the fees, rates, eligibility rules and interest rates which apply, so you can make sure it’s a good fit for you.

Travel credit card option 1: Barclaycard Rewards Visa

With the Barclaycard Rewards Visa card, there are no international ATM or foreign transaction fees. Instead, your overseas expenses are converted to pounds at the Visa exchange rate and added to your monthly statement. To avoid fees and interest, you’ll need to repay your balance in full each month, but as a bonus you can earn cashback on your everyday expenditures.

No foreign transaction or foreign ATM fee

Earn cashback at 0.25% on spending

Protection on purchases over 100 GBP

International spending uses the Visa exchange rate

Variable interest rates which apply if you don’t pay off your bill in full

Travel credit card option 2: Halifax Clarity Mastercard

The Halifax Clarity Mastercard has a variable interest rate which you can see when you check your eligibility for the card. There’s no foreign transaction or foreign ATM fee to pay, and all currency conversion uses the Mastercard exchange rate.

Variable interest rates

Check your eligibility and order a card online easily

No foreign transaction fee

No ATM fee - but interest will accrue instantly when you make a withdrawal

Mastercard exchange rates apply

Pros and cons of using credit cards in India

Spending more than 100 GBP covered by additional consumer protection

Option to pay for travel expenses over multiple months

Check card eligibility online without affecting your credit score

Potentially no foreign transaction or ATM fees

Network exchange rates usually apply, which are usually pretty fair

Interest charged if you don’t repay in full every month

Eligibility rules apply

How to choose the best travel credit card for India?

The best travel credit card for India will depend on your personal preferences. If you’re interested in earning rewards and cash back on your overseas spending, the Barclaycard Rewards Visa might be a good pick, as it has no foreign transaction fee and offers cashback on all spending. Whichever card you’re considering you’ll want to weigh up the potential fees you’ll need to pay against the rewards you can earn to make sure it’s worthwhile.

If you’re planning to travel to India you might want to pick a travel money card for while you’re away. Travel money cards have different features, and can be picked up via regular banks, online specialists and even the Post Office.

Not all travel cards support INR, so you’ll need to check out the fees and features of a few to pick the right one for you. For example, you could opt for a low cost travel debit card which can hold a selection of currencies including INR - like the Wise account. Or you might prefer a prepaid travel money card like the Monese card which can be linked to either a fee free account or an account which has monthly fees in exchange for lower transaction charges. Finally, another option is to get a travel credit card either to earn cashback and rewards, or to avoid foreign transaction fees.

The good news is that the UK market is well served for all types of travel money cards - use this guide to start your research and pick the right option for your specific needs.

FAQ - Best travel cards for India

You can usually make cash withdrawals with a credit card in India at any ATM that supports your card network. You’ll often find that a fee applies, and you may start to accumulate interest on the withdrawn amount immediately. Travel money debit cards from providers like Wise and Revolut can be a lower cost option for cash withdrawals in INR.

You can normally use your debit card anywhere you see the card network’s logo displayed. Visa and Mastercard networks are very well supported globally, including in India, making these good options to look out for when you pick your travel debit card for India.

Prepaid cards from reputable providers are safe to use at home and abroad. They aren’t linked to your main bank account which can offer extra peace of mind, and may also make it easier to manage your travel budget. However, you’ll need to check the card features and fees carefully to make sure you're getting the best match for your needs.

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Exercise a high degree of caution in India overall due to the threat of terrorism and crime and the risk of civil unrest.

Higher levels apply in some areas.

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All emergencies, fire and rescue services, medical emergencies, advice levels.

Exercise a high degree of caution in India overall. 

Exercise a high degree of caution in India overall due to the threat of terrorism and crime and the risk of civil unrest. (see Safety ).

Do not travel  to the Union Territory of Jammu and Kashmir; and the India-Pakistan border (except the Atari-Wagah border crossing). This doesn't apply to the Union Territory of Ladakh, which was established as its own union territory of India in October 2019, separate from the Union Territory of Jammu and Kashmir. 

Do not travel to the Union Territory of Jammu and Kashmir; and the India-Pakistan border (except the Atari-Wagah border crossing) due to the danger of armed clashes, terrorist activities and violent demonstrations.

This doesn't apply to the Union Territory of Ladakh, which was established as its own union territory of India in October 2019, separate from the Union Territory of Jammu and Kashmir. (see ' Safety ')

Reconsider your need to travel to the Atari-Wagah border crossing, north-eastern states of Assam (except Guwahati), Nagaland and Manipur; and Chhattisgarh and the border areas of neighbouring states.

Reconsider your need to travel to:

• the Atari-Wagah border crossing
• North-eastern states of Assam (except Guwahati), Nagaland and Manipur;
• Chhattisgarh; and
• the border areas of neighbouring states

due to the high risk of violence (see ' Safety ').

• Terrorist activities, violent demonstrations and armed clashes sometimes occur in India. Avoid crowded places and possible targets. Large crowds at religious ceremonies and gatherings can also be dangerous. People have been killed in stampedes. Always have an exit plan.
• Women may face higher levels of verbal and physical harassment or sexual assault. Avoid travelling alone, even in major cities and tourist sites.
• Travellers have been robbed and assaulted after consuming spiked drinks or food. Don't leave your food or drinks unattended or accept food or drinks from strangers. Petty theft is common in crowded areas such as markets and public transport. Thieves on motorbikes snatch bags and jewellery. Carry only what you need. Pay close attention to your belongings.
• Scams are common. These can involve fake tour guides, ATM and credit card skimming, and fraudulent access to government services. If you're a scam victim, report it to the police to get an official report for your travel insurer.
• Severe weather is common. This includes heat waves and dust storms in summer and flooding during the monsoon season. Check with your tour operator for possible disruptions.

Curfews and restrictions have been imposed in parts of Manipur following violent demonstrations, resulting in casualties. Security agencies have increased their presence in the region. Mobile internet and transport services continue to be affected. Further restrictions may be imposed at short notice. If you are in Manipur, you should avoid demonstrations and large public gatherings, monitor local media for updates, follow the advice of local authorities, and take official warnings seriously.

Full travel advice: Safety

• Medical facilities in major cities have adequate treatment standards. The availability of treatment can be very limited or unavailable in remote and rural areas. You may need to be evacuated if you're seriously ill or injured. Medical evacuation can be very expensive.
• Various strains of influenza occur throughout India.
• Malaria is a risk in many parts of India, including major cities. Dengue is widespread, especially during the monsoon season. Zika virus outbreaks may occur. Other insect-borne diseases include Japanese encephalitis, chikungunya and filariasis. Ensure your accommodation is insect-proof. Use insect repellent. Get vaccinated. If you're pregnant, discuss this with your doctor.
• HIV/AIDS is widespread. Take precautions if you engage in high-risk activities.
• Waterborne, foodborne, parasitic and other infectious diseases are very common. These include cholera, typhoid and hepatitis. Drink only treated or bottled water. Avoid raw or undercooked food.
• Air pollution can reach dangerous levels, especially in winter. It can disrupt transport and cause breathing problems. Discuss your travel plans with a doctor if you have an existing health condition.

Full travel advice: Health

• Always carry your passport and ensure you have a valid visa. It's illegal not to. Conducting missionary work without a proper visa is illegal.
• Carrying or using a satellite phone or device without official permission is illegal. You may be arrested for carrying a satellite phone or device.
• Don't use or carry illegal drugs. Penalties for possession, use, or trafficking of illegal drugs are severe and include mandatory sentences and the death penalty.
• Check local alcohol laws before you visit. Laws on the legal drinking age and alcohol purchase vary between states.
• It's illegal to import, possess or use e-cigarettes, vaporisers or their components, such as refills. Penalties include imprisonment.
• It's illegal to fly drones and other unmanned aircraft without official permission. Contact local police for advice. It's illegal to carry or export antiquities without a permit. Contact your nearest  Indian embassy or consulate  for advice. It's illegal to photograph airports, military sites and dams. Some places of worship also prohibit photography.
• Cows roam freely in India. It's illegal to maim or kill them deliberately. In some states, the penalty is up to 5 years in jail.
• India has strict dress and behaviour codes, especially at religious sites. Physical contact between men and women in public might be considered inappropriate.

Full travel advice: Local laws

• You must apply for a visa before arrival. Check your eligibility and apply online for an e-visa by visiting the Government of India's  Indian Visa Online   website. For information on other visa types and immigration requirements, see the  eFRRO  and  Bureau of Indian Immigration  websites or contact the nearest high commission/embassy or consulate of India for the latest details.
• You may need permission from Indian authorities to visit 'restricted' or 'protected' areas, particularly in the north-east.
• Travelling by road in India can be dangerous, particularly at night. Accidents are common.

Full travel advice: Travel

Local contacts

• The Consular Services Charter details what we can and can't do to help you overseas.
• For consular help, contact the Australian High Commission in New Delhi , or the Australian Consulate-General in Mumbai, Chennai or Kolkata.
• To stay up to date with local information, follow the High Commission's social media accounts.

Full travel advice: Local contacts

Full advice

Terrorist attacks are possible in India anywhere and at any time.

The Australian Government continues to receive reports that terrorists are planning attacks in India.

The Indian Government regularly issues public alert warnings about possible terrorist attacks.

Terrorist attacks could target foreigners. Violence directed at others may affect you.

Terrorists have targeted popular tourist areas, including:

• hotels, markets and cinemas
• restaurants, bars and cafes
• tourist and religious sites
• transport hubs and public transport networks
• sporting events
• local courts and Indian security and political establishments

Targets could also include major tourist attractions and shopping centres.

Attacks could happen during significant times such as:

• Republic Day, 26 January
• Independence Day, 15 August
• periods of religious significance
• other major holidays - noting each state has different holidays

Many terrorist attacks in India have involved multiple explosions, one after the other. These attacks have caused a high number of deaths.

Militants have crossed the border into India to conduct attacks in the past. This will likely continue.

Attacks on the military and police in Jammu and Kashmir often lead to violent clashes.

Outside of major cities, security on public transport is limited, including on buses and railways.

Security at airports has improved due to the threat of terrorist attacks against Indian aviation interests.

To protect yourself from terrorist attacks:

• check the media for threats
• take official warnings seriously
• consider the level of security at your destination
• avoid areas that are possible terrorist targets
• have a clear exit plan for crowded places and potential targets
• report suspicious activity or items to the police

If there's an attack, leave the area as soon as it's safe to. Avoid the affected area in case of secondary attacks.

• Terrorism is a threat worldwide.

More information: 

Jammu and Kashmir

On 5 August 2019, the Government of India announced constitutional changes that affected the internal political status of Jammu and Kashmir.

A heightened Indian security presence is now in place, with additional restrictive measures applying to public gatherings and internet and telecommunications services. Monitor local media and follow the advice of local authorities.

In the Union Territory of Jammu and Kashmir there is a high risk of:

• armed clashes
• terrorist attacks
• violent demonstrations

There is a higher risk in rural areas and areas close to the border with Pakistan.

Terrorists have kidnapped foreigners in Jammu and Kashmir. Terrorists have also targeted tourist buses.

People have been killed and seriously injured in widespread violent protests. More police have been sent to the region.

Chhattisgarh, Odisha, Jharkhand, Maharashtra, Andhra Pradesh and Telangana

Maoist insurgents, known as Naxalites, have attacked rural and forested areas of the state of Chhattisgarh.

There is a risk of Naxalite violence in border regions of:

• Maharashtra
• Andhra Pradesh

Borders with Pakistan

Parts of the India-Pakistan border have a high risk of:

• cross-border attacks

Always be alert to possible threats near the Atari-Wagah border crossing.

North-eastern states of Assam (except Guwahati), Nagaland and Manipur

The north-eastern states of Nagaland, Manipur and Assam, except Guwahati city, have a high risk of:

• armed robbery
• separatist and insurgent violence

This includes rural areas.

Insurgent groups in these states have:

• attacked civilians
• bombed buildings

Kidnapping occurs across the world with political, ideological and criminal motives. Foreigners, including Australians, have been kidnapped overseas while travelling. Kidnaps can happen anywhere, anytime, including in destinations that are typically at lower risk.  

There have been incidents of kidnappings in Maharashtra, Uttar Pradesh, Tamil Nadu, Karnataka, Rajasthan and the Northeastern Region. 

If, despite our advice, you travel to an area with a high risk of kidnapping, our ability to provide consular assistance in these destinations will be limited.  

To reduce the risk of kidnapping:  

• always be alert to your personal security and surroundings  
• get professional security advice for travel in locations with a heightened kidnap risk  
• check your accommodation has appropriate security measures  
• avoid isolated locations, particularly when travelling alone  
• vary your movements, and don't set patterns 
• notify family or friends of planned travel, and share your location   
• avoid talking about your money or business affairs  
• use ATMs in public places and during daylight hours  
• avoid giving personal details to strangers online or over the phone 

The Australian Government's longstanding policy is that it doesn't make payments or concessions to kidnappers. Ransom payments to kidnappers have funded further terrorist attacks and criminal activity. Paying a ransom to terrorist groups will likely break Australian counter-terrorism financing laws.   

More information:

Civil unrest and political tension

Public protests and events that draw large groups of people can turn violent.

Violent protests and demonstrations occur from time to time. They can happen with little or no warning.

Many people have died due to civil unrest and communal violence in India.

Triggers for demonstrations include:

• international events
• political developments in the region
• election periods
• local events

Demonstrations may affect public transport.

Large crowds at religious ceremonies and gatherings can be dangerous. They have led to life-threatening situations such as stampedes.

Indian authorities may:

• set curfews
• limit mobile network availability
• restrict activity

To protect yourself from civil unrest and violence:

• avoid demonstrations, political events, rallies, processions and large public gatherings
• check the news and other sources for information
• avoid areas affected by civil unrest
• follow the advice of local authorities
• plan your activities to avoid days of national and commemorative significance

Be prepared to change your travel plans if there's an incident.

If you're affected by transport disruptions, contact your airline, travel agent or insurer for help.

Demonstrations and civil unrest

Sexual assault

Women in India may experience:

• unwanted attention
• sexual assault

It is rare for people who commit these crimes to be successfully prosecuted by the law.

There are consistent, ongoing allegations and reports of sexual misconduct. These reports have involved religious groups and their leaders. If you're visiting India for religious reasons, find out about your hosts before travelling.

Avoid travelling alone if you're female, even in major cities and tourist sites.

• Advice for women
• Sexual assault overseas

Drink and food spiking

Many travellers have been robbed and assaulted after consuming spiked drinks or food.

Home-made or unlabelled alcohol can be poisonous.

Drink spiking incidents have occurred:

• on public transport
• in hotels, restaurants and bars

Drink and food spiking is rare at:

• business-class hotels
• upscale bars and restaurants

The risk of drink and food spiking is higher in smaller establishments.

To protect yourself from food and drink spiking:

• don't accept food or drinks from strangers
• don't leave drinks unattended
• if you're not certain your drink is safe, don't drink it

Petty crime

Petty theft is common in crowded areas such as:

• trade fairs
• airports and train stations
• public transport, including overnight and long-distance trains

Thieves on motorcycles snatch bags and jewellery.

To protect yourself from petty crime:

• pay close attention to your personal belongings, especially in crowded areas
• keep car doors locked, windows up, and valuables out of sight, when parked and when moving
• carry only what you need, including your passport
• leave valuables in a secure location
• avoid wearing expensive watches, jewellery and cameras
• avoid carrying bags that are easy to snatch

If you're walking, stay on footpaths, if possible, and:

• away from the curb
• with your bag held away from traffic

Avoid travelling alone, especially at night:

• in cars, taxis and rickshaws

Avoid less populous and unlit areas. This includes city streets, village lanes and beaches.

Scams in India can involve:

• ATM and credit cards
• train tickets
• temple donations
• tour guides

Tour guide scams

Tour guides attempt to sell fraudulent tour packages. Some guides may try to 'prove' that your existing tour package is invalid to sell you their package. Strangers posing as 'guides' may attempt to take travellers to tourist areas. The fake guide transports the victim to an isolated area, where they then attempt to rob and assault them.  Check that any person holding a placard with your name knows where you are going.

Card skimming scams

Card skimming devices copy details from the magnetic strip on your ATM and credit cards. These details are transferred onto a blank card for the criminal to use. There is a high risk of card skimming at ATMs.

To avoid credit and debit card scams:

• keep your credit card in sight at all times
• don't show your PIN to others, especially when using ATMs
• check your transaction statements

Government services scams

Touts or agents near government offices tell foreigners they can provide faster services for a fee. They may be present around places such as the Foreigner Regional Registration Office.

Reporting scams

If you're the victim of a scam report it immediately to the nearest police station. You may not be able to get your money or goods back. However, the police can give you an official report so you can make a claim with your insurer. See Local contacts.

Cyber security

You may be at risk of cyber-based threats during overseas travel to any country. Digital identity theft is a growing concern. Your devices and personal data can be compromised, especially if you're connecting to Wi-Fi, using or connecting to shared or public computers, or Bluetooth.

Social media can also be risky in destinations with social or political tensions or laws that may seem unreasonable by Australian standards. Travellers have been arrested for things they have said on social media. Don't comment on local or political events on your social media.

• Cyber security when travelling overseas

Tours and adventure activities

Touts may use aggressive tactics to persuade you to buy tickets for tours. You'll often see them at:

• railway stations
• bus stations

They may not have any connection to tour services. You may be overcharged.

Businesses don't always follow safety and maintenance standards. This includes:

• tour operators
• adventure activities

If you plan to do an adventure activity :

• check if your travel insurance policy covers it
• check the credentials of the operator
• ask about and insist on minimum safety requirements
• always use available safety gear, such as life jackets or seatbelts

If proper safety equipment isn't available, use another provider.

Wildlife safety

Tigers attack and kill people in India.

Monkeys may attempt to steal items from people at temples and busy tourist attractions.

If you plan to observe or photograph wildlife:

• always respect wildlife laws and park regulations
• only use reputable and professional guides
• keep a safe distance

Climate and natural disasters

Severe weather.

India experiences natural disasters and severe weather , including:

• heatwaves and drought
• floods and landslides
• cyclones and storms
• dust storms
• earthquakes and tsunamis

If there's a natural disaster:

• always carry your passport in a waterproof bag
• keep in touch with family and friends
• check the media, the  India Meteorological Department website and other local sources for information

Heatwaves and drought

The climate in India is varied.

Heatwaves can cause droughts and water shortages in summer. 

Floods and landslides

Monsoon rains occur. The highest risk is from June to October.

Monsoon rains can cause:

• extensive flooding and landslides
• disruptions to transportation
• areas to be cut off from roads for many days
• disruption to services, including phone, internet and electricity

High-risk areas include:

• Uttarakhand, Himachal Pradesh, Uttar Pradesh and Bihar in the north and east
• Andhra Pradesh, Kerala and Karnataka and Tamil Nadu in the south

Floods have affected millions of people and caused many deaths.

If you're travelling during monsoon season, ask your tour operator if services have been affected.

Cyclones and storms

Cyclones are common in Indian waters from April to December. They are particularly common around the Bay of Bengal in eastern India.

Coastal and some inland areas are vulnerable to storm surges, particularly:

• Odisha, West Bengal, Andhra Pradesh, Tamil Nadu and Puducherry
• Lakshadweep
• the Andaman and Nicobar Islands
• Western India (Goa, Maharashtra and Gujarat)

Cyclones and storms can disrupt critical services, including:

• emergency and medical care
• telecommunications
• food and water supplies

If there's a cyclone or storm:

• you may get stuck in the area
• flights could be delayed or suspended
• available flights may fill quickly
• adequate shelter may not be available

If you arrive during the wet season, contact your tour operator to check if services are affected.

Dust storms

Dust storms occur during summer and have caused deaths.

Earthquakes and tsunamis

Earth tremors are common in India, particularly in the north-eastern states.

Earth tremors can cause landslides in hilly and mountainous areas.

If there is an earthquake, expect severe disruptions to services.

To stay safe during an earthquake:

• know the emergency plans at your accommodation
• follow the instructions and advice of local authorities
• follow evacuation orders

All oceanic regions of the world can experience tsunamis. However, the Indian and Pacific Oceans experience large, destructive tsunamis more often. Be alert to warnings. A tsunami could quickly follow a tremor or earthquake.

Move to high ground straight away if:

• local authorities advise you to
• you feel a strong earthquake that makes it hard to stand up
• you feel a weak, rolling earthquake that lasts a minute or more
• you see a sudden rise or fall in sea level
• you hear loud and unusual noises from the sea

Don't wait for official warnings. Once on high ground, monitor local media and weather services.

Global Disaster Alert and Coordination System

Travel insurance

Get comprehensive travel insurance before you travel. 

Your policy needs to cover all overseas medical costs, including medical evacuation. The Australian Government won't pay for these costs.

If you can't afford travel insurance, you can't afford to travel. This applies to everyone, no matter how healthy and fit you are.

If you're not insured, you may have to pay many thousands of dollars up-front for medical care.

• what activities and care your policy covers
• that your insurance covers you for the whole time you'll be away

Physical and mental health

Consider your physical and mental health before you travel, especially if you have an existing medical condition.

See your doctor or travel clinic to:

• have a basic health check-up
• ask if your travel plans may affect your health
• plan any vaccinations you need

Do this at least 8 weeks before you leave.

If you have immediate concerns for your welfare or the welfare of another Australian, call the 24-hour Consular Emergency Centre on +61 2 6261 3305 or contact your  nearest Australian Embassy, High Commission or Consulate  to discuss counselling hotlines and services available in your location.

Mental health treatment and services can differ to those in Australia.

• General health advice
• Healthy holiday tips  (Healthdirect Australia)

Medications

Not all medication available over the counter or by prescription in Australia is available in other countries. Some may even be considered illegal or a controlled substance, even if prescribed by an Australian doctor.

If you plan to bring medication, check if it's legal in India. Take enough legal medicine for your trip.

Carry a copy of your prescription or a letter from your doctor stating:

• what the medication is
• your required dosage
• that it's for personal use

Health risks

Various strains of influenza, including Swine flu or influenza A (H1N1) , occur throughout India.

Talk to your GP or travel doctor about vaccinations before you leave Australia.

Insect-borne diseases

Malaria is a risk in most parts of India, including major cities.

Dengue is widespread, especially after the monsoon season.

Other insect-borne diseases are common, including: 

• Japanese encephalitis
• chikungunya

Zika virus  outbreaks can occur in India. There's no vaccination available for the Zika virus.

If you're pregnant:

• talk to your doctor about your travel plans
• defer non-essential travel to affected areas

To protect yourself from disease:

• make sure your accommodation is insect-proof
• use insect repellent
• wear long, loose, light-coloured clothing
• consider taking medicine to prevent malaria

Zika virus fact sheet (WHO)

Nipah Virus 

Nipah virus  outbreaks can occur in India. There’s no vaccination available for the Nipah virus. Nipah virus is usually transmitted through contact with an infected person or through infected animals, such as bats, as well as food and materials contaminated with their saliva or urine. 

HIV/AIDS is widespread in India. Take precautions if you engage in activities that expose you to the risk of infection.

Other health risks

Waterborne, foodborne, parasitic and other infectious diseases are very common, including:

• tuberculosis

Tap water is not safe to drink.

To protect yourself from illness:

• drink treated water or drink bottled water with intact seals
• avoid ice cubes
• avoid raw and undercooked food
• don't swim in freshwater
• avoid contact with dogs, monkeys and other mammals

If you're bitten or scratched by an animal, seek medical help straight away.

Get medical attention if you suspect food poisoning or have a fever or diarrhoea.

Infectious diseases

Air quality

Air pollution levels in parts of India can spike to hazardous levels during the winter months, October to February.

Severe pollution can cause:

• flight delays
• traffic delays

It can also increase the risk of breathing problems.

People who have pre-existing medical conditions, particularly heart and lung conditions, may be especially affected.

If you're concerned about the levels of air pollution:

• seek medical advice
• follow advice from local authorities about methods to reduce exposure
• monitor an air quality index
• reduce your exposure
• System of Air Quality and Weather Forecasting Research (SAFAR)
• Delhi Pollution Control Committee (DPCC)

Medical care

Medical facilities.

Medical facilities in major cities have adequate treatment standards. Facilities in remote and rural areas can be very limited or unavailable.

If you're seriously ill or injured, you may be evacuated to a place with better facilities. Medical evacuation can be very expensive with long lead times. 

Restrictions on airspace in some locations (including, but not limited to, Ladakh and Jammu & Kashmir) may prevent commercial medical evacuation. Should you be involved in a serious accident, air evacuation by the Indian Air Force may be the only option. Costs can be in the tens of thousands of dollars.  

Medical tourism

Medical tourism has become more common in India, including for:

• cosmetic procedures
• experimental stem cell treatments
• dental treatments

Standards at a discount and uncertified medical establishments can be poor.

Serious and possibly life-threatening complications can and do occur.

If you plan to visit India for medical tourism:

• research and choose your medical service providers carefully
• don't use discounts or uncertified medical service providers

Decompression chambers

Decompression chambers are available at:

• the Indian Navy base in Port Blair, Andaman and Nicobar Islands
• the Goa Medical College, Goa

You're subject to all local laws and penalties, including those that may appear harsh by Australian standards. Research local laws before travelling.

If you're arrested or jailed, the Australian Government will do what it can to help you under our Consular Services Charter . But we can't get you out of trouble or out of jail.

If you're arrested for a major offence, you could go to prison for several years before you receive a verdict.

If you're imprisoned, there could be delays in getting help from the Australian Government. This is due to India's consular access approval requirements.

Satellite phones and satellite enabled navigation devices

It is illegal to carry or operate satellite phones or enabled devices in India without a licence. Australian citizens have been detained for carrying satellite phones and satellite-enabled navigational devices into the country without prior permission. This may occur even in the case of transits.

Drugs and alcohol

Penalties for drug offences are severe and can include mandatory sentences and the death penalty. There is a minimum sentence of 6 months imprisonment for possession of small amounts deemed for personal consumption only. A 10-year prison sentence applies for possession of other amounts. The judicial process is slow, and it is normal for you to be detained for months or years while your case is processed.

The legal drinking age varies, depending on the state. The legal drinking age can vary for different types of alcohol.

Some states permit alcohol use for medicinal purposes only. Others require you to hold a permit to buy, transport or drink alcohol.

Some states prohibit alcohol from being brought in from outside the state, and police may check vehicles to enforce this law.

Check the alcohol laws of each place you plan to visit.

E-cigarettes and vaporisers

It is illegal to import, possess or use e-cigarettes, vaporisers or their components, such as refills. Penalties include imprisonment.

Surrogacy laws

Commercial surrogacy is illegal in India.

• Going overseas for international surrogacy
• Going overseas to adopt a child

It's illegal to give or receive a dowry.

Courts can issue arrest alert notices for dowry claims a wronged party's request.

If you've been involved in giving or receiving a dowry or a case has been filed against you for dowry and harassment, you could be arrested on arrival into India.

It's illegal to fly unmanned aircraft systems, such as drones, without official permission, particularly:

• within a 30km radius of India Gate in New Delhi
• near military, transport and power facilities

Contact local police for advice and to get permission.

Antiquities

Possessing or exporting antiquities without official permission is illegal. For information contact the Indian Central Board of Indirect Taxes and Customs or an embassy or consulate of India .

Photography

It's illegal to photograph or trespass on:

• military establishments

It's also illegal to take pictures or videos of some places of worship. Always check with the building's administrative office before taking photos or videos.

In India, it's illegal to:

• not carry your passport and a valid visa
• possess firearms or ammunition
• do religious missionary work without an appropriate visa

In some states, attempting to convert a person to another religion is illegal by force or other enticement.

It's also illegal to maim or kill a cow deliberately. The penalty is up to 5 years imprisonment in some states.

Serious crimes

Some crimes may result in the death penalty, including:

• kidnapping for ransom
• armed robbery with murder
• rape, in certain circumstances
• Staying within the law and respecting customs
• Advice for LGBTQIA+ travellers
• Doing business

Australian laws

Some Australian criminal laws still apply when you're overseas. If you break these laws, you may face prosecution in Australia.

Staying within the law

Local customs

Codes of dress and behaviour are strict in India. These are particularly important at religious sites.

Physical contact between men and women in public might be considered inappropriate. Take care not to offend.

If in doubt, seek local advice.

In some areas of India, the Islamic holy month of  Ramadan  is observed. Respect religious and cultural customs and laws at this time.

During Ramadan, eating, drinking and smoking may be illegal in public during the day. If you're not fasting, avoid these activities around people who are. Seek local advice to avoid offence.

Explore our Ramadan page to learn more, including dates for Ramadan.

Dual citizenship

The Indian constitution doesn't recognise dual nationality.

Indian law allows people of Indian origin in some countries to apply for Overseas Citizenship of India (OCI). This includes people in Australia.

Check the Overseas Citizenship of India section of the Indian Government's Ministry of Home Affairs website for details.

Dual nationals

Visas and border measures

Every country or territory decides who can enter or leave through its borders. For specific information about the evidence you'll need to enter a foreign destination, check with the nearest embassy, consulate or immigration department of the destination you're entering. 

Visa requirements

You must apply for a visa before arrival. Check if you're eligible for an e-visa on the  Indian Visa Online  website. For information regarding other visa categories or entry and exit requirements, see the  Indian High Commission in Australia  website.    For information and advice regarding Indian visas and immigration regulations while in India, see the  FRRO/FRO  and the  Bureau of Immigration websites. 

If your visa has expired or you have overstayed your visa, make sure you regularise your immigration status with the  FRRO/FRO  before you seek to travel. Immigration authorities may prevent you from leaving India on an expired visa. 

If you have had a baby in India, you need to register the baby with the FRRO and secure an exit permit before you travel.

Electronic visas

You may be eligible for an Electronic Visa (e-Visa) for:

• medical reasons

Get your e-Visa at least 4 days before you arrive.

Check that you're eligible before you apply. See the Government of India's  Indian Visa Online  website for details.

Tourist e-Visa

Indian Tourist e-Visas can be granted for 30 days, one year or five years. Additional conditions regarding the maximum length of stay may apply depending on the nationality shown on your passport. Detailed information regarding your visa validity and the maximum length of stay for each visa category can be found on the  Indian Visa Online  and  Ministry of Home Affairs  websites.     

Beware of fake websites offering e-Visa services.

Carry a printed copy of your e-Visa, known as an electronic travel authorisation (ETA).

You'll get a formal visa in your passport when you arrive in India.

Long queues are common at immigration counters in India, regardless of visa type.

Not all international airports in India allow passengers to enter with an e-Visa. Check with your nearest  Indian consulate, embassy  or agent and organise a visa before you arrive.

If you present an e-Visa at an entry point where the e-Visa is not recognised, you:

• won't be able to apply for any other visa
• won't be allowed to enter India
• will be deported

If you have an e-Visa, you can leave India from any authorised immigration checkpoint.

Other visas

All other visa applicants should contact the nearest Indian embassy or consulate.

Other conditions

If you don't have a valid passport or visa, you could be deported by Indian authorities.

Some visas require you to register yourself within 14 days of your arrival. Failing to do so may prevent you from departing India. Visit the  Ministry of Home Affairs  website for details.

The Australian High Commission and Australian Consulate-Generals in India can't help you to stay if you don't have the correct documents.

Entry and exit conditions can change at short notice. Contact the Indian High Commission in Canberra for details about visas, currency, customs and quarantine rules.

Ministry of Home Affairs

Volunteering

If you're considering  volunteer  work, talk to the nearest  embassy or consulate  about visa requirements before travelling. This includes  students  visiting India under the New Colombo Plan.

Volunteer responsibly.

Make sure you are contributing in an ethical and meaningful way.

Overstays and exit visas

You could incur heavy penalties for overstaying your visa, including being jailed.

Check your visa conditions and make sure you comply.

Leave India before your visa expires.

If your passport is lost or stolen while you're in India, contact the nearest Australian mission to get a replacement travel document. You'll then need to get an exit visa through the online portal  Foreigner's Regional Registration Office (FRRO) before you leave. 

If your passport is lost or stolen:

• report it to the police
• arrange a replacement travel document from the nearest Australian Embassy, High Commission or Consulate
• apply for an exit visa from the Indian Ministry of Home Affairs

Other formalities

Currency laws.

Laws controlling the import and export of Indian rupees, foreign currency and other goods can change with little notice.

Contact your nearest Indian embassy or consulate for up-to-date information.

Yellow fever vaccination

You'll need a valid yellow fever vaccination certificate to enter India if you travel from an area where yellow fever occurs.

See the Indian Government's Bureau of Immigration  for advice.

Countries with a risk of yellow fever (PDF 152KB)

Long-stay registration

If you plan to stay in India for more than 180 days and do not hold an OCI card, register within 14 days of arrival with the  Foreigner Regional Registration Office (FRRO)  in major cities. 

In other areas, you can register with the Superintendent of Police.

All visitors on long-term visas must register. This includes the following visas:

• project visas

You must register even if you're a foreigner of Indian origin.

If you don't register, you could face fines or imprisonment.

You may not be able to leave India until the Bureau of Immigration  grants permission.

If you or someone you're travelling with has a short-term Tourist Visa and is hospitalised, you may be able to  extend or 'convert' to a Medical Visa .

Some countries require you to have at least 6 months of validity remaining on your passport after the date you plan to leave. This can apply even if you're transiting or stopping over.

Some foreign governments and airlines apply the rule inconsistently. Travellers can receive conflicting advice from different sources.

The Australian Government does not set these rules. Check your passport's expiry date before you travel. If you're not sure it'll be valid for long enough, consider getting  a new passport .

Lost or stolen passport

Your passport is a valuable document. It's attractive to people who may try to use your identity to commit crimes.

Some people may try to trick you into giving them your passport. Always keep it in a safe place.

If your passport is lost or stolen, tell the Australian Government as soon as possible:

• In Australia, contact the Australian Passport Information Service .
• If you're overseas, contact the nearest Australian embassy or consulate .

Passport with 'X' gender identifier

Although Australian passports comply with international standards for sex and gender, we can't guarantee that a passport showing 'X' in the sex field will be accepted for entry or transit by another country. Contact the nearest  embassy, high commission or consulate of your destination  before you arrive at the border to confirm if authorities will accept passports with 'X' gender markers.

• LGBTQIA+ travellers

ATMs that accept international debit and credit cards are widely available in larger cities and towns. However, they're harder to find in rural areas.

Cash shortages at ATMs can be a problem in rural areas.

Traveller's cheques are not widely accepted.

Counterfeit currency is in circulation. Take care when dealing with cash.

Reserve Bank of India

Local travel

Travel delays.

Travel delays are common.

Expect delays around days of national significance, including:

Fog often affects northern India, particularly during December and January. Fog may cause:

• delays to air and rail travel
• dangerous road travel conditions

Travel restrictions

You may need permission from Indian authorities to visit areas designated as 'restricted' or 'protected', particularly in the north-east.

Some state and union territory governments restrict foreigners from travelling around these areas. Additional permission may be required for foreigners born in certain countries. This also applies to Australians born in those countries, even if travelling on an Australian passport.

There are heavy penalties for entering a protected or restricted area without permission.

The Ministry of Home Affairs has temporarily excluded the following areas from the Protected Area regime. Visit  the Bureau of Indian Immigration  webpage for details.

If you plan to visit a protected or restricted area or to confirm if additional requirements apply to your circumstances:

• seek advice from an  embassy or consulate of India  or the  Ministry of Home Affairs
• apply at least 4 weeks in advance

Driving permit

You can drive without an Indian driver's licence for 3 months if you have both:

• an International Driving Permit
• your current Australian driver's licence

Your licence must be valid for the type of vehicle you are driving.

You need an Indian driver's licence if you plan to drive in India for over 3 months.

Your insurance may be void if you have an accident without the correct licence. You could be liable for the accident as an unlicensed driver.

Road travel

Travelling by road in India can be dangerous. Accidents are common.

Hazards include:

• poorly maintained vehicles
• poor quality and congested roads
• roads shared with pedestrians, carts, cattle and other livestock
• vehicles travelling in the wrong direction, often without warning

Travelling by road at night is particularly dangerous due to:

• insufficient or non-existent lighting
• other vehicles driving with headlights off or on high beam

If you hit a pedestrian or cow, you're at risk of being attacked or becoming a victim of extortion, even if you weren't driving the vehicle.

If it's unsafe to remain at the scene of an accident, go to the nearest police station.

To stay safe when driving:

• avoid driving at night
• avoid driving in fog
• if you hit a pedestrian or cow, go straight to the nearest police station

Driving or riding

Motorcycles

If you plan on riding a motorbike:

• check that your travel insurance policy covers you
• exercise caution
• always wear a helmet

Use a pre-paid taxi service when you arrive at the airport.

It's difficult to verify if street taxis are legitimate.

Use taxi services booked from hotels or taxi stands. Don't hail taxis on the street.

Don't use unmarked private cars as taxis.

Rideshare apps are widely used in major cities. You can use these apps with a SIM card.

Public transport

Bus and train services can be dangerous due to the following:

• overcrowding
• poor maintenance
• drivers who don't have adequate training

If you travel by train, find out where the emergency exits are located.

Transport and getting around safely

There may not be safety equipment, such as life jackets, on:

• tourist boats
• other small commercial craft

Before you book, check the operators' credentials and safety equipment.

Travelling by boat

DFAT doesn't provide information on the safety of individual commercial airlines or flight paths.

Check India's air safety profile with the Aviation Safety Network.

Call 1800 11 1363 for 24/7 tourist helpline (in 12 languages), run by the Ministry of Tourism.

Contact your provider with any complaints about tourist services or products.

Ministry of Tourism

Emergencies

Depending on what you need, contact your:

• family and friends
• travel agent
• insurance provider

Always get a police report when you report a crime.

Your insurer should have a 24-hour emergency number.

Consular contacts

Read the Consular Services Charter for what the Australian Government can and can't do to help you overseas.

For consular assistance, contact:

Australian High Commission, New Delhi

No. 1/50 G Shantipath (Gate 1) Chanakyapuri New Delhi 110 021

Phone: (+91 11) 4139 9900 Fax: (+91 11) 2687 2228

Website: india.highcommission.gov.au

Email: [email protected]

Facebook: Australia in India

X: @AusHCIndia

Instagram: AusHCIndia

Check the High Commission website for details about opening hours and any temporary closures.

Australian Consulate-General, Mumbai

Level 10, A Wing Crescenzo Building, Opp MCA Cricket Club G Block, Plot C 38-39 Bandra Kurla Complex Mumbai 400 051

Phone: (+91 22) 6757 4900 Fax: (+91 22) 6757 4955

Website: mumbai.consulate.gov.au

Email: [email protected]

Australian Consulate-General, Chennai

9th Floor, Express Chambers Express Avenue Estate Whites Road Royapettah Chennai 600 014 Tamil Nadu

Phone: (+91 44) 4592 1300 Fax: (+91 44) 4592 1320

Website: chennai.consulate.gov.au

Email: [email protected]

Australian Consulate-General, Kolkata

1A, Ho Chi Minh Sarani Kolkata 700 071 West Bengal

Phone: (+91 11 4910 5980)

Website: kolkata.consulate.gov.au  

Email:  [email protected]

Australian Consulate-General, Bengaluru

The Ritz-Carlton 99 Residency Road Bengaluru, Karnataka 560025

Phone: (+91 11) 4910 5960

Website:  bengaluru.consulate.gov.au

Email:  [email protected]  

24-hour Consular Emergency Centre

In a consular emergency, if you can't contact an embassy, call the 24-hour Consular Emergency Centre on:

+61 2 6261 3305 from overseas

1300 555 135 in Australia

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