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20+ Best Travel Credit Cards

Travel credit cards are tailored to the needs of frequent travelers. These credit cards offer benefits such as complimentary access to airport lounges, 24×7 concierge service, and insurance benefits. They not only make the cardholder’s travel experience smoother and more comfortable but also, in most cases, offer a higher reward rate on travel-related expenses like flight bookings and hotel/stay reservations. Many travel credit cards earn rewards in the form of AirMiles, which can be redeemed for air ticket bookings, award flights (free flights), or class upgrades with partner airlines.

Travel credit cards are typically offered in collaboration with an airline, an online travel portal, or a hotel/resort chain. These co-branded credit cards often provide higher rewards for spending with partner airlines or travel portals. Additionally, you can often enjoy exclusive benefits such as complimentary membership in the partner airline’s frequent flyer program or bonus AirMiles upon reaching specific spend-based milestones with these co-branded travel credit cards. Examples of co-branded travel cards include the Ka-Ching, Air Vistara, Emirates, and Etihad Co-Branded Credit Cards.

While most travel rewards credit cards are offered in collaboration with an airline or travel portal, some travel cards are more generic and are suitable for travelers in general without providing additional benefits for spending with a particular airline or travel portal. Two significant examples of such generic travel credit cards are the American Express Platinum Travel and the Axis Atlas Credit Card.

Axis Bank Atlas Credit Card

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• 6E Rewards XL – IndiGo HDFC Bank Credit Card

6E Rewards – IndiGo HDFC Bank Credit Card

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If you fully understand the benefits of travel credit cards and need one, you can choose from our list. Depending on your requirements and expectations for a travel credit card, here are some of the best credit cards currently available in the Indian credit card market.

Generic Travel Credit Cards:

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Axis Bank Atlas Credit Card is a travel focused card best suited for people who travel often. With an annual fee of Rs. 5,000 it is offered in three tiers: Silver, Gold, and Platinum. It offers various exclusive privileges across different categories along with travel. Following are some of the premium benefits offered with this card:

• Up to 5 EDGE Miles on every spend of Rs. 100.
• Up to 18 complimentary domestic lounge visits every year.
• Up to 12 complimentary international lounge visits every year.

It is a premium travel credit card by American Express and comes loaded with a plethora of travel benefits. It is definitely one of the best travel credit cards in India in the premium segment. Some of the travel benefits that come bundled with the American Express Platinum Travel Credit Card are as under-

• 4 complimentary domestic airport lounge visits every year (one per quarter) and complimentary membership of the Priority Pass lounge program.
• Upon achieving the stipulated spending milestones, you will receive vouchers from leading hotel chains, such as the Taj SeleQtions and Vivanta hotels.

SBI Card has recently introduced three credit cards specifically tailored for the travel category. These credit cards, called “Miles” credit cards, offer generous rewards on travel-related purchases. Travel Credits earned with these cards can be redeemed for various travel-related expenses, such as air miles, hotel points, and travel bookings. Out of the three SBI Miles Cards, the Miles Elite Credit Card is the most premium option and is available for a joining fee of Rs. 4,999. With the Miles Elite Credit Card, you can enjoy up to 8 complimentary domestic lounge visits across airports in India. Furthermore, this card offers many benefits for international travelers, such as a low forex charge of 1.99%, Priority Pass membership, and worldwide international lounge access.

The World Safari credit card is a premium travel card offered by RBL Bank. It comes with a range of travel benefits, including a MakeMyTrip voucher worth Rs. 3,000 as a welcome benefit, a 0% mark-up fee on all foreign currency transactions, and the ability to earn Travel Points on all spending categories, which can be redeemed for flight and hotel bookings. Additionally, cardholders receive 2 complimentary domestic airport lounge visits per quarter and 2 complimentary international lounge passes annually as part of the Priority Pass membership.

Air India SBI Credit Cards:

The Air India SBI Platinum credit card is a co-branded travel credit card by SBI Card launched in collaboration with Air India. It can be considered a toned-down version of the Air India SBI Signature Credit Card. The travel benefits that you get with this credit card are summarised below-

• Complimentary membership of the Air India Frequent Flyer program.
• Accelerated Reward Points on spends on Air India tickets.
• The Reward Points earned can be converted into Air India AirMiles.
• 8 complimentary access to domestic airport lounges (max 2 per quarter) with the Visa Domestic Lounge program.

SBI Card offers two co-branded cards in partnership with Air India- the Air India SBI Signature Credit Card and the Air India SBI Platinum Credit Card. The Signature card is more premium than the latter. Air India SBI Signature Credit Card comes with an annual fee of Rs. 4,999 and comes packed with multiple travel benefits, particularly for Air India flyers. Some of the salient features of the Air India SBI Signature Credit Card are as under-

• Complimentary membership to Air India’s frequent flyer program, Flying Returns.
• Accelerated RPs on Air India flight bookings.
• The Reward Points earned are convertible into Air India AirMiles.
• 8 complimentary access to lounges across India every year (max 2 per quarter).

If you want a card that offers a high reward rate on Air India bookings, then this card is the best choice. Another option worth considering for Air India frequent flyers is the less premium Air India SBI Platinum Credit Card.

IRCTC Co-Branded Credit Cards:

The IRCTC HDFC Bank RuPay Credit Card is a recently launched travel credit card that comes with a nominal annual fee of Rs. 499 plus applicable taxes. The card rewards you in the form of Cash Points and you can earn up to 5 Cash Points on every Rs. 100 you spend using it. The following are some of the key features of this card:

• Amazon voucher worth Rs. 500 as an introductory benefit.
• 1 Cash Point on every retail spend of Rs. 100.
• 5x Cash Points on IRCTC spends.
• Free railway lounge access four times every year.
• Spend-based renewal fee waiver.

IRCTC Rupay SBI Credit Card is very similar to the IRCTC SBI Platinum Credit Card in terms of the benefits that it offers. The travel benefits that this credit card offers are as under-

• You will receive a 10% value back on rail ticket bookings made on the IRCTC app or website, transferred to your IRCTC loyalty account.
• 1% transaction charges are waived off on rail ticket bookings via the IRCTC app/website.
• Reward Points gained on the card can be redeemed on the IRCTC app or website if the card is linked to the cardholder’s IRCTC account.

IndiGo Co-Branded Credit Cards:

6e rewards xl – indigo hdfc bank credit card.

It is a co-branded travel credit card by HDFC Bank in collaboration with Indigo Airlines. The card is best suited for frequent domestic flyers. The 6E Rewards XL Credit Card is offered in two variants- the free variant (zero membership fee) and the paid variant (membership fee of Rs. 2,500). The card comes with a plethora of travel benefits, particularly for domestic frequent flyers-

• The card earns reward points as IndiGo 6E Rewards, which are redeemable on the IndiGo 6E Rewards portal for 6E Rewards benefits, including booking Go IndiGo flights.
• As welcome benefits, you get a complimentary IndiGo air ticket and IndiGo Prime Add-on when you make a minimum of 3 transactions within 3 months of card setup. These welcome benefits are applicable for the paid variant of the card only.
• IndiGo 6E Rewards XL cardholders are also entitled to 8 complimentary lounge access every year (max 2 per quarter) at domestic airports across India

As IndiGo is the country’s largest domestic carrier, this credit card can be a really good choice for those who travel frequently within the country.

It is another co-branded travel credit card issued by HDFC Bank and launched in collaboration with Go Indigo. It is the less premium variant of the 6E Rewards XL card. It also comes in two variants- a free variant and a paid variant (annual fee of Rs. 700). The 6E Rewards IndiGo card comes with the following travel benefits-

• You earn Reward Points as 6E Rewards on all spending categories (the reward rate is lower than the XL variant, though) and accelerated 6E Rewards on IndiGo ticket bookings.
• 1 complimentary IndiGo Add-on and on making a minimum of 3 transactions in the first three months of card issuance get a complimentary air ticket (worth Rs. 1,500) (at least 1 transaction per month). The welcome benefits are applicable only for the paid variant.

The aforementioned travel benefits make this credit card a decent choice in the travel category. However, before making the final decision, you must compare its benefits with those of the more premium XL variant.

Air Vistara Co-Branded Credit Cards:

The Axis Bank Vistara Signature Credit Card is a mid-range travel credit card designed for frequent domestic flyers, offering numerous travel perks. With a joining and renewal fee of Rs. 3,000, it provides benefits such as a complimentary premium economy ticket upon joining and renewal, Club Vistara Silver Membership, and up to 8 domestic lounge visits annually. Cardholders earn 4 CV points per Rs. 200 spent, which can be redeemed for flights and upgrades. Additionally, significant milestone spends can earn up to 3,000 bonus CV points and four premium economy tickets each year. Other perks include golf privileges, insurance covers, and dining discounts, making it a comprehensive travel card for frequent travelers.

The Club Vistara SBI Card Prime offers many travel-related benefits, especially those regarding flying and Club Vistara. In addition to free airport lounge access, this card offers many discounts and the generous welcome benefit of a free premium economy ticket. Cardholders can earn 4 CV Points on each eligible spend of Rs. 200. These CV Points can later be used to book flights or upgrade flying privileges.

This is a co-branded card launched by IDFC First Bank in partnership with Air Vistara. The card has a joining fee of Rs. 4999 plus taxes and is a great choice for regular Air Vistara travelers. As a welcome benefit, the card offers a complimentary premium economy flight ticket, class upgrade voucher, and Club Vistara Silver tier membership.

• Complimentary Premium Economy flight ticket, Class Upgrade voucher, and Club Vistara Silver Tier membership as welcome benefit
• Up to 6 CV Points per Rs. 200 spent on the card
• Up to 5 complimentary Premium Economy flight tickets as milestone benefits
• 2 complimentary domestic and 1 international lounge access
• 4 complimentary green fees golf rounds per year

Mariott Co-Branded Credit Card:

The Marriott Bonvoy HDFC Credit Card is a first-of-its-kind co-branded credit card. For the first time, a card has been issued in partnership with a hotel chain. This card offers the Marriott Silver Elite status, which provides discounted stays, dining offers, and a lot more. You are also provided with international and domestic lounge access with this card. One of the most exciting benefits of this card is the welcome gift of 1 Free Night Award. Earn 8 Reward Points per Rs. 150 spent with the Marriott Bonvoy program.

Travel Platform Co-Branded Credit Cards

The AU ixigo Credit Card is the first co-branded card by AU Bank. This card offers great traveling benefits including zero forex charges, airport lounge access, and discounts while booking with ixigo. One of the most attractive features of this card is that it can be availed as lifetime free. Earn accelerated reward points for travel-related and online spends. Reward points are valid for a period of two years and can be redeemed for travel vouchers and discounts.

Available at a low joining fee of Rs. 350, the SC EaseMyTrip Credit Card is beneficial for those who travel often and make bookings through the popular platform EaseMyTrip. With this card, you can avail of discounts on hotel, flight, and bus ticket bookings. You will also be offered a decent number of free airport lounge access to relax while you travel. This is a great card for first-time users and those who are looking for a simple entry-level card without any huge joining fees.

This is another co-branded credit card launched by the ICICI bank in collaboration with the travel portal MakeMyTrip. This credit card comes bundled with the following travel benefits-

• You earn Reward Points as My Cash which is transferred to your MakeMyTrip MyWallet and can be used to make bookings on the MakeMyTrip portal (1 My Cash = Re. 1).
• As a joining benefit, you will receive Rs. 1,500 My Cash, a complimentary MMT BLACK exclusive membership, and a MakeMyTrip holiday voucher worth Rs. 2,500.
• Complimentary railway and domestic & international airport lounge visits.
• Complimentary Airtel international roaming pack worth Rs. 3,999.

As is obvious from the name, it is a co-branded credit card by SBI Card launched in collaboration with the travel portal Yatra. It is an entry-level travel credit card and comes with the following travel benefits-

• Gift vouchers worth Rs. 8,250 from Yatra as a joining benefit.
• Discounts on domestic and international flight bookings via Yatra- Rs. 1,000 off on domestic flight bookings (minimum transaction of Rs. 5,000 required) and Rs. 4,000 off on international flight bookings (minimum transaction of Rs. 40,000 required).
• 20% off on domestic hotel bookings via Yatra- minimum transaction of Rs. 3,000 required and max discount capped at Rs. 2,000.
• Complimentary air accident cover worth Rs. 50 lacs (applicable in case of loss of life).

Etihad Airways SBI Credit Cards:

It is another co-branded travel card by SBI Cards in collaboration with Etihad Airways. Unlike the Etihad Guest SBI Premier Card, which is a premium card in the travel category, this one is a mid-level offering by SBI cards. The annual fee for this co-branded credit card is Rs. 1,499 per annum. The travel benefits that come bundled with this credit are as under-

• Complimentary Etihad Silver Tier Status, 2,500 Etihad Guest Miles as a welcome gift.
• The card rewards you with Etihad Guest Miles, including all categories, accelerated Etihad Guest Miles on Etihad.com, and international spends.
• Discount on Etihad economy and business class ticket bookings and on Etihad Guest Miles redemption.
• You will receive 8 complimentary domestic airport lounge access per year (a maximum of 2 per quarter) and a complimentary Priority Pass membership worth USD 99.
• Travel-related insurance benefits include a personal air accident cover worth Rs. 25 lakhs and a baggage cover worth USD 1,000.

Etihad Guest SBI Premier Card is a premium travel credit card by SBI Card in collaboration with the UAE-based Etihad Airways airline. With a membership fee of Rs. 4,999, the card offers a plethora of travel benefits. Some of the salient features of the card are as under-

• Etihad Gold Tier status and 5,000 Etihad Guest Miles as welcome benefits.
• You earn Etihad Guest Miles on all categories of transactions with the card (accelerated Etihad Guest Miles on Etihad.com and international spends).
• You get a 10% discount on direct Etihad Airways bookings and a 10% discount on rewards/miles redemption.
• You get 8 complimentary domestic lounge passes every year (a maximum of 2 per quarter) and 4 complimentary access to international lounges every year (a maximum of 2 per quarter).
• As a card member, you are also entitled to complimentary overseas air accidental insurance worth Rs. 50 lakh and a cover worth USD 1,000 against the loss of check-in baggage.
• With the card, you also get 1 Etihad companion voucher per annum on an annual expenditure of a minimum of Rs. 8 lacs.

Considering all the aforementioned travel benefits, it’d be safe to conclude that if you are looking for a premium credit card and are a frequent flyer to Middle Eastern destinations, including Dubai, you can not go wrong with the Etihad Guest SBI Premier Card. It offers a fairly high reward rate, particularly on the Etihad Airways portal. On top of that, you also get a 10% discount on bookings made directly on Etihad.com.

Emirates Co-Branded Travel Credit Cards:

The Emirates Skywards ICICI Bank Sapphiro Card is another card that was launched along with the Emirates ICICI Bank Emeralde Card. It comes with an annual fee of Rs. 5,000 and welcomes its customers with 5,000 bonus miles. Following are some of the most premium benefits of this card:

• 2 complimentary domestic lounge access and spa sessions every quarter.
• 2 complimentary international lounge access every year.
• Complimentary Emirates Skywards Silver Tier membership.

Features and Benefits of Travel Credit Cards

Travel credit cards can be either generic or co-branded (launched in partnership with an airline like Air India, or in some cases, IRCTC or even travel portals like MakeMyTrip, Yatra, etc.). Co-branded travel cards, as you can guess, offer special benefits on spends on the partner airline and/or earn rewards as the partner airline’s AirMiles which are credited to the airline’s frequent flyer program.

Generic travel credit cards, on the other hand, either earn Reward Points at an accelerated on travel-related spends or offer travel-related value-added privileges like complimentary hotel loyalty program membership or a complimentary night stay at partner hotels, etc.

Both co-branded, as well as generic travel credit cards, usually offer complimentary airport/IRCTC lounge access and a comprehensive insurance plan along with multiple travel insurance covers. Some of the features and benefits that one expects from a travel credit card are-

Complimentary Lounge Access: Almost all travel credit cards offer complimentary airport or IRCTC railway lounge access. Entry-level and mid-level travel credit cards offer only domestic airport lounge access and/or IRTC lounge access, while premium travel cards usually also offer complimentary international airport lounge access or at least a complimentary membership to the Priority Pass lounge program.

AirMiles: This applies only to co-branded travel credit cards. Co-branded travel credit cards launched in collaboration with an airline often earn Reward Points as the partner airline’s AirMiles. For example, Air Vistara co-branded credit cards by Axis Bank and IndusInd Bank earn Reward Points as Club Vistara (CV) Points, and GoIndiGo co-branded credit cards by HDFC earn Reward Points as IndiGo 6E Rewards.

Hotel Loyalty Program Membership/Stay Vouchers: Some premium travel credit cards also offer complimentary membership in certain hotel loyalty programs or complimentary stay vouchers at partner hotels. For example, the American Express Platinum Travel Credit Card and the RBL World Safari Credit Card offer complimentary Taj stay vouchers/gift cards.

Welcome/Milestone Benefits: Many travel credit cards offer travel vouchers (like hotel stay vouchers or gift cards) as a welcome benefit upon card membership or as a milestone benefit upon achieving the stipulated spend milestone. Some travel cards also offer complimentary flight ticket(s) as a welcome benefit or as a milestone benefit.

Accelerated Reward Rate on Travel Spends: Some travel credit cards earn Reward Points/Miles at an accelerated rate on travel-related spends. For example, Citibank PremierMiles Credit Card earns Citibank Miles at an accelerated rate (10 Miles/Rs. 100) on airline spends with the card, while the usual reward rate of the card is just 4 Miles per Rs. 100 spent.

How to Compare Travel Credit Cards?

Travel Credit Cards, as you know offer special travel benefits to the cardholder. These benefits may come in a number of different forms including complimentary airport/IRCTC railway lounge access, complimentary hotel stay vouchers/hotel loyalty program memberships, Reward Points such as AirMiles, bonus Reward Points/Miles on travel spends, etc. Now since different travel cards come with different types of travel benefits, it is many times difficult to objectively compare two credit cards. For example, how would you compare a travel credit card like the American Express Platinum Travel Credit Card that earns offers complimentary domestic airport lounge access and Taj Stay vouchers (on meeting the spending targets) with a card like Axis Bank Vistara Infinite Credit Card that earns RPs as Club Vistara (CV) Points?

If you have to choose a travel credit card for yourself, our suggestion would be that you must be very clear about your requirements- for example, you must decide whether the majority of your trips are going to be only within India or will you be frequently traveling to foreign destinations as well. Listed below are some of the pointers, rather some of the parameters, that one must keep in mind to compare travel credit cards and before making a call on which travel credit card will suit you the best-

Co-Branded vs Generic Travel Credit Cards

Many credit card issuers tie up with airlines, IRCTC, or holiday booking portals (like MMT or Yatra) to launch co-branded credit cards. These co-branded cards offer extra benefits on spending at partner merchants. A co-branded credit card may be a good pick for you if you prefer a particular airline over others or if you prefer railways over airways as a mode of transportation.

For example, an IndiGo or Vistara co-branded credit card may be a good pick for a frequent domestic flyer, while an Etihad or Emirates co-branded card might be the best fit for someone who frequently travels to Gulf destinations like Dubai.

On the other hand, a generic travel credit card may be the best-suited one for you if you have no specific preference for a particular airline or travel portal. A generic travel credit card like the AmEx Platinum Travel Credit Card or RBL World Safari Card will almost always offer complimentary access to domestic/international airport lounges and a higher reward rate on travel spends or international transactions made with the card.

Airport/Railway Lounge Access

Almost all travel credit cards offer complimentary airport or railway lounge access. While entry-level and mid-level travel cards usually offer lounge access only at domestic airports or at railway stations, premium travel credit cards also offer complimentary lounge access at international airports or at least complimentary membership of a lounge access program like Priority Pass .

If travel experience matters to you a lot, complimentary lounge access is definitely one of the important matrices that you must consider while choosing a travel credit card. If you travel to nearby places within India, an IRCTC co-branded travel credit card that offers complimentary railway lounge access can be a great pick for you. Also, if you frequently travel by air within the country, you may consider a travel credit card that offers complimentary domestic airport lounge access, while you might ignore the international lounge benefit. However, if you are a frequent international flyer, you must make sure that the travel credit card you choose offers a certain number of complimentary airport lounge access at international airports as well.

Another point worth keeping in mind is, that if you are looking for a credit card just for the lounge access benefit, sometimes generic credit cards (which are not particularly travel-centric cards) offer more (sometimes even unlimited) lounge access at airports/railway stations. For example, if you require a credit card just for railway lounge benefit, IDFC FIRST Credit Cards offer 4 complimentary IRCTC lounge access every quarter at select railway stations across the country which is more than what any of the IRCTC co-branded credit cards offer.

Similarly, HDFC Infinia and Diners Club Black Credit Cards offer unlimited international airport lounge access to both primary as well as add-on cardmembers, a benefit that you do not get with most premium travel credit cards. The following table summarises the railway/airport lounge access feature that you get with the aforementioned travel credit cards-

Hotel Loyalty Program Membership/Hotel Stay Vouchers

Some premium travel credit cards offer complimentary vouchers from premium hotel chains. For example, the American Express Platinum Travel Credit Card, one of the great travel cards in India in the premium segment, offers complimentary Taj Stay vouchers upon meeting spending targets. This benefit may be important for you if you want to enjoy a premium travel experience without any compromises.

Foreign Currency Mark-up

The usual foreign currency mark-up fee as applicable for most credit cards is about 3.5% of the conversion amount. Some travel credit cards charge a lower or sometimes even zero mark-up fee on international currency purchases. For example, a zero forex mark-up fee is charged on international transactions done with Club Vistara IndusInd Bank Explorer Credit Card and RBL World Safari Credit Card, while a lower foreign currency mark-up fee of just 2.5% is applicable on 6E Rewards XL – IndiGo HDFC Bank Credit Card. If you are a frequent flyer to global destinations, you should definitely consider this benefit while choosing a travel credit card for yourself, unless you plan to use a prepaid forex card for all foreign currency transactions.

How to Find The Right Travel Credit Cards?

In order to find the right travel credit cards for yourself, you will have to understand your travel requirements first. If you travel very often, you should go with premium travel credit cards irrespective of their higher fees as you would be able to save even more using these cards if used wisely. On the other hand, if you travel only once or twice every year, you can go with the basic travel cards that come with lower fees and offer 2-4 complimentary lounge access yearly. Other factors that you need to understand are whether you should choose co-branded or non-co-branded cards. If you travel via a particular airline frequently, you can go with a co-branded credit card issued by that airline.

How Do Travel Credit Card Reward Points Work?

Credit Card Points are the rewards you earn when making purchases using your credit card. Some cards offer accelerated rewards in certain categories, and travel credit cards generally come with a higher reward rate in travel categories, such as flight and hotel bookings. These points work as your savings, as they can later be redeemed against many options and even against the card’s outstanding balance. Let us understand this using a simple example.

Suppose you have a credit card that offers air miles on all your spends and you have earned 10,000 Airmiles so far with every air mile equivalent to Re. 1. Now, if you want to book a flight worth Rs. 30,000, you can use these Airmiles and pay rest of the amount in cash. This is how you will be able to book a flight worth Rs. 30k with Rs. 20k only. Similarly, you can use Reward Points against other categories as well, such as shopping, dining, etc.

Do’s and Don’ts While Using a Travel Credit Card

It is never a good idea to go with a card without knowing how you can use it for maximum benefits and whether it will be worth it or not. Here are some important do’s and don’ts that you should keep in mind while using a travel card:

• Make sure to understand your travel requirements before you choose a travel credit card for yourself.
• If you have complimentary lounge access with your credit card, you should register it as soon as you receive your card or at least understand the process so that you don’t face any difficulties at the last minute.
• Redeem your reward points/Airmiles against a category that gives you the maximum conversion value.
• Never let your rewards/air miles expire without redeeming them for your benefit. You should be aware of the validity of your card’s reward points and redeem them before the expiry date.
• Don’t delay or miss your credit card bill payments, as the additional charges, such as interest and late payment fees, might be even more than the benefits that your card offers.
• Before making any large purchases, check if you can use your rewards to get some vouchers that will reduce your overall spending.

Why Apply for a Travel Credit Card?

Travel credit cards are very advantageous for frequent travelers, but at the same time, you should also keep the fact in mind that these cards generally come with a higher annual fee. So, you should not just go with a travel credit card randomly, but get it only if you are someone who has all the following requirements:

• You travel domestically as well as internationally very often . However, basic cards are always good even if you travel only once or twice every year, but don’t get a super-premium card with a high annual fee in that case.
• You don’t want to compromise on your luxuries even when you are traveling. One of the biggest reasons travel cards have a high annual fee is that they offer complimentary lounge access and many more exclusive privileges, such as deals and discounts on flights and premium hotel bookings.
• You are a responsible credit card user. If you are not responsible enough to use a credit card, you won’t be able to maximize the benefits of a travel credit card and you will just end up paying a high annual fee without any benefits.

How to Apply for Travel Credit Cards in India?

The application process for a travel credit card, just like any other credit card, is usually very simple. You can apply for travel credit cards through Card Insider-

• Visit the review page of the credit card you want to apply for on Card Insider.
• Click/tap on the “Apply Now” option.
• You will be redirected to the official credit card page on the card issuer’s website.
• You can now proceed with the application on the card issuer’s website by entering the requested details in the designated fields.
• Once you have successfully submitted your credit card application, the card issuer will evaluate it to determine your eligibility for the card you applied for.
• If you are eligible for the card, the card issuer will mail it to our address, usually within 15 days of your application submission.

Best Credit Cards with No or Less Foreign Currency Mark-up Fee

Almost all credit cards charge a mark-up fee on foreign currency transactions. The usual mark-up fee is 3.5% of the conversion amount. However, some premium and mid-range travel credit cards have a foreign currency mark-up fee that is either zero or very low. Some of such travel credit cards are RBL Bank World Safari Credit Card, Club Vistara IndusInd Bank Explorer Credit Card, and IndiGo 6E Reward XL HDFC Bank Credit Card.

It is worth noting that some other premium credit cards, in addition to these travel-specific credit cards, offer a lower foreign currency markup. For example, the foreign currency markup fee charged on HDFC Infinia and Diners Club Black Metal Credit Cards is also less than 2%.

Bottom Line

As you can see, there are various credit card sub-categories within the travel category, which are targeted towards specific customer niches. For example, if you’re a frequent domestic flyer, a co-branded credit card by IndiGo or Vistara would make more sense for you than an Emirates of Etihad credit card. Similarly, if you prefer trains over flights, IRCTC cards will best suit your needs. Therefore, it becomes important to choose the right travel credit card considering your travel needs.

You must use Club Vistara IDFC First Credit Card if your rent is above Rs. 23,000 per month. You can get 3 Premium Economy Tickets easily + 8,000 CV Points (equivalent to 2 Economy Tickets or 1 Premium Economy Ticket). That’s a total of 4 Premium Economy Tickets worth Rs. 30,000! (Assume 7500 per ticket) That’s an effective return of approx. 10%

Hello I am using Axis Ace card and Samsung Infinite Credit card want Visara Infinite Credit Card I called customer care to upgrade to Vistara infinite card they said not eligible for Vistara Infinite Credit card, but I want this card so please let me know how can I own this card.

Rather than apply for the Infinite variant, you can try applying for the Vistara Signature or Platinum ones. Although with the Air India and Vistara merger, it’s best to wait.

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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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More travel card guides.

State Bank Multi-currency Foreign Travel Card

Chip & PIN Protected Prepaid Card. All your travel currency on one card.

You can easily reload your State Bank Multi-Currency Foreign Travel Card ++ with more funds ahead of your next trip, until the Card expiry date. Simply take your State Bank Multi-Currency Foreign Travel Card, valid passport and Form A2 (available at branches) and top up at FTC issuing branches of State Bank of India – subject to FEMA guidelines and other regulations. Click here for a detailed list of branches.

Reloadable until expiry date on the Card - within the limits of the Card ++

++ Until Card expiry and subject to reload limits (see Fees and Limits table). Limits are subject to FEMA regulations, imposed by The Reserve Bank of India from time to time.

• Multiple currencies on one Card
• Withdraw local currency at over 2 million ATMs worldwide, accepting Mastercard cards, or use your Card to pay directly for goods and services at 34.5 million merchants, wherever you see the Mastercard Acceptance Mark (other than in India, Nepal and Bhutan, or for payment of goods in Indian Rupees or the currencies of Nepal and Bhutan)
• Locking in the value of your Card balance, whenever you (re)load your State Bank Multi-Currency Foreign Travel Card, could help you to avoid exchange rate fluctuations and variances while you're abroad, and clear charges give you the control to manage your budget
• No bank account information is required to obtain and start using your State Bank Multi-Currency Foreign Travel Card
• Manage your Card online, with secure visibility of balances and transaction details, and services like an ATM locator

Your State Bank Multi-Currency Foreign Travel Card is not linked to your bank account and comes with 24/7 Global Assistance. If your State Bank Multi-Currency Foreign Travel Card is lost or stolen, please contact our Card Services team immediately, so that they can cancel it. If you have an additional Card, you can use it to access your funds. If both your Cards are lost or stolen, our Card Services team can offer assistance, including emergency cash replacement up to the available balance on your Cards (subject to availability in the relevant location).

• Chip and PIN protected
• Additional Card available for backup
• 24/7 Global Assistance, including free Card replacement if your Card is lost or stolen
• Peace of mind, as the Card is not linked to your bank account

Here's how it works...

State Bank Multi-Currency Foreign Travel Card ("Foreign Travel Card") is the smart way to carry your travel money. Simply load one or more of the following currencies- US Dollars, British Pounds, Euros, Singapore Dollars, Australian Dollars, Canadian Dollars and UAE Dirham to your State Bank Multi-Currency Foreign Travel Card and when you're travelling, use your Card to withdraw money from over 2 million ATMs worldwide accepting Mastercard® cards, or to pay for goods and services in shops, restaurants and hotels around the globe, displaying the Mastercard Acceptance Mark (other than in India, Nepal and Bhutan, or for payment of goods in Indian Rupees or the currencies of Nepal and Bhutan).

If you have insufficient funds in a transaction currency to pay for a transaction, the balance of the transaction will automatically be deducted from other available currency (ies) on your Card, in the following order of priority: USD, EUR, GBP, SGD, AUD, CAD and AED, subject to the applicable exchange rate and cross currency fee (see Fees and Limits Table).

With the State Bank Multi-currency Foreign Travel Card, you can lock in the exchange rates on your currencies each time you reload+. Simply visit FTC issuing branches of State Bank of India.

Looking for your nearest branch? Click here for a detailed list of branches.

+ Please note that any loads or reloads are made at the relevant exchange rate, applicable for Foreign Travel Card, on the day that the load is processed (this varies from day to day).

SIMPLY PREPAY AND GO!

State Bank Multi-Currency Foreign Travel Card is a prepaid currency card that can be pre-loaded with your spending money in up to seven Currencies and then used at ATMs and merchants abroad1, displaying the Mastercard® Acceptance Mark.

If you have insufficient funds in transaction currency to pay for a transaction, the balance of the transaction will automatically be deducted from any other available currencies on your Card, in the following order of priority: USD, GBP, EUR, SGD, AUD, CAD and AED, subject to the applicable exchange rate and Cross Currency fee (see Fees and Limits section of this website or the Fees and Limits Table in the Terms and Conditions).

1 Due to FEMA regulations, the State Bank Foreign Travel Card cannot be used at ATMs or merchants in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan. In addition, there may be some other countries where usage of the Card is prohibited. Please click here to verify the list of prohibited countries.

Want to put more money onto your card.

Your State Bank Multi-Currency Foreign Travel Card can be reloaded, so you need never run short of money during your travels.

1. Return to any participating branch of State Bank of India, with your State Bank Multi-Currency Foreign Travel Card, valid passport and PAN Card. Fill in the prescribed application form and Form A2 (available at branches)

2. If you think you may need to have your State Bank Multi-Currency Foreign Travel Card reloaded whilst travelling overseas, you can leave a completed Form A2, a copy of your PAN Card and passport, plus a letter authorising a family member or friend in India to carry out the reload on your behalf. We may load the Card on receipt of the above documents from a family member or friend, along with a letter, signed by you. However, State Bank of India reserves every right in such cases, to verify that any person purporting to act on your behalf is so authorised and to identify and verify the identity of that person in accordance with the know-your-customer norms prescribed by The Reserve Bank of India.

• A reload fee applies to all reloads and may vary from time to time
• Reloads are made at the relevant exchange rates on the day that the reload is processed. The exchange rates for the available currencies will vary from day to day and may vary per reload location

DYNAMIC CURRENCY CONVERSION (DCC)

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 either the currency of the country they are visiting or their own domestic currency. You should not use your Foreign Travel Card to make a purchase or ATM withdrawal in Indian Rupees (as you are prohibited from doing so by law) and you should choose to pay in the local currency. Please note that there will be an additional cost if the point of sale transaction or ATM withdrawal is in a currency other than the currencies on the card, or if more than one currency on your card is used to pay for the transaction. Please refer to the Fees and Limits Table for further information in the fees and limits section of this website or in the Terms and Conditions. Other benefits include:

• Multiple currencies on one card
• Card security (benefit of not being linked to a bank account)
• Access to worldwide ATM withdrawals
• 24/7 Global Assistance
• Additional Card to access the same funds
• Competitive exchange rates

RESTRICTIONS

Please note, due to FEMA regulations, the State Bank Foreign Travel Card cannot be used at ATMs or merchants in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan.

There are a number of countries where the use of State Bank Foreign Travel Card is currently prohibited. If you attempt to withdraw cash from a cash machine, or use your Card at shops, restaurants, hotels and online in any of these countries, your request will be declined and the reason given as 'Decline, prohibited country'.

The countries currently affected are: Cuba, Iran, North Korea, Sudan and Syria

Card Security

WE'RE DEDICATED TO PROTECTING YOU Unfortunately, terms like 'ID theft' and 'fraud' are all too familiar nowadays. We are very aware of the threat and concerns you have regarding such issues, which is why fraud prevention is of paramount importance to us.

We know our customers. Every day we monitor transactions on our Cards, to detect unusual behaviour and if we spot something uncharacteristic, we'll contact you to verify your transactions. The State Bank Multi-Currency Foreign Travel Card is chip and PIN protected, with both cash withdrawals and purchases protected by PIN.

• Sign your Cards immediately when you receive them
• Check your transactions regularly and report anything unusual immediately to the 24/7 Card Services team
• If you print statements from the internet, keep them safe and shred them when you’ve finished using them
• Never give your personal details to someone who phones you claiming to be from a reputable company or even from MasterCard /SBI
• Don’t give out your details in response to unsolicited email
• Be wary of anyone who asks for common security details, like your mother’s maiden name, date of birth, or information about your work
• Never give your PIN to anyone, not even if they claim to be from State Bank of India
• Don’t let yourself get distracted when using ATMs – somebody may be trying to get to know your PIN

Never write down a PIN or keep it together with the Card. Be very alert when using ATMs, and ensure that:

• The machine has not been tampered with
• Nobody can watch you entering your PIN
• Card and cash are concealed and safe before you leave the machine
• You retain any printed records for safe disposal at a later time
• If your Card is retained, contact Card Services immediately for assistance

Always keep your Card in sight when making a purchase or it may get skimmed.

“Skimming” occurs when the genuine data on a card’s magnetic strip is electronically copied onto another card, allowing fraudsters to steal the funds on your card. This can happen at petrol stations, restaurants, bars and at ATMs. Skimmed card information is often sold on to organised crime groups.

Make sure that you're using a secure browser. A secure browser such as Microsoft Internet Explorer or Mozilla Firefox will indicate whether the website you are visiting is secure or not.

Broken key or padlock = unsecured Unbroken key or padlock = secured

These browsers scramble your personal data before sending it, so no one else can read it. Ensuring that your computer has up-to-date virus protection and a firewall will help protect you from attacks.

Key points when buying goods/services on the Internet:

• Know who you are dealing with. Use a reputable company and type its internet address into the browser yourself
• If the website gives you the option of using a secure checkout, opt for yes
• Just as you save till receipts, in case you need to return or exchange something, you need to keep a record of all transactions too. Print and save a copy of your completed order form and your order confirmation

“Phishing” is an attempt by fraudsters to “fish” for your card or account details. Phishing attempts usually appear as an email apparently from your bank or card issuer. Within the email, you are then encouraged to click on a link to a fraudulent log-in page, designed to capture your details.

We may contact you by email, but we will NEVER ask you to click on a link that directs you to enter or confirm your security details. If you are in any doubt about the authenticity of an email appearing to be from us, telephone Card Services immediately.

“Pharming” employs the same type of tricks as Phishing to lure you to a site address, but uses hidden software to redirect you from real websites to the fraudulent ones.

This is particularly clever, as it hijacks trusted brands of well-known banks, online retailers and card issuing companies and convinces you to respond under cover of trust to enter your personal details.

Just remember, if you are asked to type your PIN into a website along with your Card details, it is probably a fraudulent website, and you should close the browser and contact Card Services immediately.

If you lose your State Bank Multi-Currency Foreign Travel Card or it is stolen, reporting this to Card Services immediately will help protect the funds on the Card. Our dedicated team is on hand 24 hours a day, seven days a week, to help you get back to enjoying your travels.

Please click here for information on how to report your Card as lost or stolen.

Before you go

TRAVEL TIPS Some ATMs (cash machines) may charge a withdrawal fee, in addition to any fee associated with your State Bank Multi-Currency Foreign Travel Card. Some cardholders advise that they saved the free phone number for the country(-ies) they were travelling to in their mobile to check their Card balances, which is a quick and easy to use service (please note: calls from mobile phones are not free of charge). Cardholder feedback also suggests that some hotels may charge for calls made to free phone numbers, it is wise to check with your hotel beforehand.

PRE-AUTHORISATION It is not recommended that you use your State Bank Multi-Currency Foreign Travel Card as a guarantee of payment (usually for hotels, car hire and cruise lines). These companies may estimate the bill, and if you use your Card as a guarantee for the estimated amount, the funds will be temporarily unavailable to access or spend. You can, of course, use your State Bank Foreign Travel Card to settle your final bill.

When purchasing fuel, make sure you pay the cashier instead of using the ‘pay at pump’ option, to avoid a set amount (greater than your purchase amount) being ‘held’ until the final transaction settles (this principle applies to all payment cards; it is just more noticeable when using a prepaid card).

State Bank Multi-currency Foreign Travel Card is issued by State Bank of India, pursuant to license by Mastercard Asia/Pacific Pte. Ltd. Mastercard is a registered trademark of Mastercard International Incorporated.

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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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State Bank Foreign Travel Card - Personal Banking

State bank foreign travel card.

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Required Document

How to apply, download section.

State Bank Foreign Travel Card, is a prepaid Foreign Currency card that makes your foreign trip trouble-free and convenient. It is a Chip based EMV compliant Card which stores encrypted and confidential information. It offers you a convenient and secure way to carry cash anywhere in the world (valid worldwide except in India, Nepal and Bhutan).

SBFTC is available in nine Foreign Currencies viz. US Dollars (USD), Pound Sterling (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Japanese Yen (YEN), Saudi Riyal (SAR), Singapore Dollar (SGD) and United Arab Emirates Dirham (AED).

• ISIC (International Student Identify Card) Membership (Valid upto Sep’2024)
• International SIM card with 28 days validity period and upto 5 GB of data (Valid upto 30.11.2024)
• Issued in association with VISA International and MasterCard Asia/Pacific Pte. Ltd.
• Accepted all over the world except in India, Nepal and Bhutan.
• Available for retail (students, tourists, pilgrims, medical needs, etc) and corporate customers (Companies, Government Departments, Public Sector Undertakings, etc.).
• Minimum amount of load/Re-load: USD 200/ GBP 120/ Euros 150/ CAD 200/ AUD 200 / YEN 15,800 / SAR 750 / SGD 250 / AED 750.
• Competitive exchange rates.
• Maximum amount of issue: As prescribed by Reserve Bank India (RBI) / Liberalised Remittance Scheme (LRS) / Foreign Exchange Management Act 1999 (FEMA) depending on the purpose of overseas visit. Presently, equivalent to USD 2,50,000.00 or equivalent per financial year for Education/ Employment/Medical/ Business Trip/Tourism/Pilgrimage.
• Reloadable any number of times, within the RBI / LRS / FEMA regulations cited above. Card can be reloaded at any authorised Branch.
• Operable by 4 digit PIN at ATMs and by PIN/Signature at Merchant Establishments.
• Free balance enquiry at State Bank Group ATMs in India and VISA /MasterCard ATMs overseas (at a charge).
• Free balance enquiry and view/download details of transactions through  https://prepaid.sbi  (VISA) or  https://www.sbitravelcard.com  (MasterCard).
• Add-on cards, not exceeding two (2) for VISA and one (1) for MasterCard, can be given for use of the card holder in case of loss / misplacement / defacement of the card.
• A 24 x 7 call centre to provide information and hot-listing (block) the card in case of loss / misplacement. Additionally, VISA SBFTC holder may block (temporary / permanent) online at https://prepaid.sbi
• Card can be used for online transaction (e-commerce) POS payment, ATM Cash withdrawal beside balance enquiry at ATM. Validation through VBV and use of CVV2 has been made mandatory in our system for performing e-commerce transaction for ensuring safety of the money of the cardholder. Ecommerce sites allowing transaction without validating VBV and CCV2 will be rejected by the bank.
• SMS/e-mails alerts for each transaction*.
• *Disclaimer: The service is dependent on the infrastructure, connectivity and services provided by the service provider. State Bank of India will not be liable for any delay, inability or loss of information in the transmission of alerts.

Variants :

A. On VISA platform , SBFTC is available as both Multicurrency and Single Currency Card.

Multicurrency Card

• Multi-Currency SBFTC is available in 9 foreign currencies, viz. US Dollar (USD), Pound Sterling (GBP), Euro (EUR), Japanese Yen (JPY), Canadian Dollar (CAD), Australian Dollar (AUD), Saudi Riyal (SAR), Singapore Dollar (SGD) and UAE Dirham (AED).
• Cardholder has option to load all available currencies on a single card.

Single Currency Card

• Single currency card in eight foreign currencies viz. US Dollar (USD), Pound Sterling (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Japanese Yen (JPY), Saudi Riyal (SAR) and Singapore Dollar (SGD).

For more details, please refer to user guide, FAQ, Schedule of charges etc at website– https://prepaid.sbi

B. On MasterCard platform, SBFTC is available as Multi Currency card in seven foreign currencies viz. US Dollar (USD), Pound Sterling (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Singapore Dollar (SGD) and UAE Dirham (AED).

For more details, please refer to user guide, FAQ, Schedule of charges etc at website – https://www.sbitravelcard.com

• Any resident individual {as per definition of FEMA, 1999 Section 2 (V)}, who plans to travel abroad except Nepal and Bhutan.
• Corporates for their employees whom they plan to send abroad for official purpose subject to completion of KYC norms.
• Parents/sponsors of the students going abroad for higher studies, in student’s name and can be subsequently reloaded up to the statutory ceiling, prescribed from time to time under FEMA guidelines 1999 and subsequent amendments.
• Foreign Nationals residing in India, subject to completion of KYC/FEMA norms.
• Signed application-cum-agreement form.
• Copy of valid Passport.
• Copy of valid PAN card.
• Document confirming intended foreign travel like VISA, Ticket, Proof of admission to a foreign university / institute or any other document.
• Proof of residence in case the address is different from that appearing on passport.

All eligible customers have two options to apply for SBFTC:

Option1: Online Application: You can apply for SBFTC Application through RINB ( https://www.onlinesbi.sbi/ ). Path to apply is ‘e-Services >> e-Cards >> Apply State Bank Foreign Travel Card’. A reference number is generated. Please take a printout of online application, and along with required KYC documents and papers visit any Authorised Branch for further processing for issuance of SBFTC.

Option2: Apply at Branch: Please visit any Authorised Branch, fill the application form and submit along with the required KYC documents and papers.

• List of Branches Selling FTC
• Frequently Asked Questions (FAQs)
• SBFTC Application Form

what’s new  

• SBFTC revised transaction limits @ PoS and e-commerce

Last Updated On : Thursday, 15-08-2024

• Interest Rates

8.50%* p.a. onwards

w.e.f. 05.04.2024

*T&C Apply.

11.35% p.a.*

less than Rs.10 Cr. w.e.f 15.10.22

Rs.10 Cr. and above w.e.f 15.10.22

Starts From 9.05%*

SBI Realty Gold Loan

SBI Gold Loan

*T & C Apply

Starts From 7.90%

SBI Personal Gold Loan

Loan amount up to Rs. 3 lakhs

> Rs. 3 lakhs & up to Rs. 5 lakhs

Balance below Rs. 10 crs

Balance Rs. 10 crores and above

8.15% p.a.*

(On Applying through YONO)

2 years to less than 3 year

5 years and up to 10 years

10.05% p.a.

w.e.f 15.08.2024

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Travel money guide: India

Discover how to turn your dollars into rupees and pay your way through india..

In this guide

Travel card, debit card or credit card?

These are your options for spending money in india, which credit card issuers are accepted in india, compare travel credit cards, indian currency, buying currency in the us, atms in india, keep your travel money safe in india, how much should i budget to travel in india, travel insurance for india, bottom line.

Travel money type

Compare more cards

Top picks of 2024

Banks and ATMs are widely available in India — even in smaller villages. Though it’s still important to have access to cash on your trip, as India is still very much a cash economy.

Bringing a credit card along that doesn’t incur foreign transaction fees can help you save on extraneous fees as well. A combination of card and cash will offer you the most flexibility during your travels.

Our picks for traveling to India

40+ currencies supported

Wise Multi-currency

• 4.85% APY on USD balances
• $0 monthly fees
• Up to $100 free ATMs withdrawals worldwide
• Hold and convert 40+ currencies

Up to $300 cash bonus

SoFi Checking and Savings

• 0.50% APY on checking balance
• Up to 4.60% APY on savings
• $0 account or overdraft fees
• Get up to a $300 bonus with direct deposits of $5,000 or more

Free ATM transactions

HSBC Premier Checking

• $50 waivable monthly fee
• 0% foreign transaction fee
• Securely move money domestically and globally
• 5 monthly out-of-network ATM reimbursements
• Free international HSBC ATM transactions

Unfortunately, there aren’t any travel cards that allow you to load INR, meaning you’ll be charged a currency conversion fee if you use one in India. Instead, look for debit cards and credit cards that don’t charge for currency conversion. Reduced fees for ATM withdrawals should always be a factor in your comparison.

Things can go missing, wallets picked from your pocket and cards can get swallowed up by ATMs, so make sure you have different spending options. A debit card and credit card combination will give you the best results, you may also want to bring some extra cash as backup — you can change it out easily enough for a competitive price.

Have a look at the different travel money products you can use in India and learn how each product works.

Using a credit card

Credit cards are a good option because they are accepted almost everywhere, have excellent security measures and some come with travel insurance. A card without foreign transaction fees, like the Capital One VentureOne Rewards Credit Card , will keep you from racking up unexpected charges during your stay (Terms apply, see rates & fees ).

Travel credit cards often also come with other useful benefits like travel insurance and the ability to earn rewards. You’ll want to compare travel credit cards and examine your own travel preferences to find one that best fits your needs.

• Accepted everywhere
• Built-in security and anti-fraud measures
• Some cards have features such as complimentary insurance or reward points earning
• ATM cash withdrawals may attract cash advances and higher fees

You’ll find that most vendors accept Visa and Mastercard, while some large establishments may accept American Express and Discover cards as well.

Potential credit card fees in India

When you use your credit card in India, there’s a good chance you’ll pay foreign transaction and currency conversion fees.

Foreign transaction fees

Credit cards that come with foreign transaction fees tend to charge 2% to 3% per transaction. Before you use your card outside of the US, find out how much your card will charge you. Most travel credit cards eliminate foreign transaction fees altogether.

Currency conversion fees

The Indian Finance Act allows merchants to levy a service tax on the purchase and sale of foreign currencies, which includes transactions. Banks can fix currency conversion charges depending on their internal cost structures. As a result, if a merchant offers to convert your bill into US dollars, you may want to pass and make your payment in rupees instead.

Explore top debit cards with no foreign transaction fees and travel credit cards by using the tabs to narrow down your options. Select Compare for up to four products to see their benefits side by side.

• Credit cards

Using a debit card

A debit card could be a good travel money choice to take to India. You’ll have access to cash each time you come across an ATM, without carrying lots of cash on you all at once. To avoid additional expenses, find a card that waives the fee for international ATM withdrawals like the one from Betterment Checking .

• Tip: Citibank has a large presence in India. Make cheap ATM withdrawals using a Citibank debit or credit card.
• Access to your own money
• Widely accepted
• PIN security
• Can be cancelled if card is lost or stolen
• No back-up option for lost or stolen cards
• May charge ATM transaction fees
• May charge currency conversion fees

Using a prepaid travel card

Since there are currently no travel cards that allow you to preload Indian rupees, you should look for a card with no foreign currency conversion fees to avoid any extra costs. Even though travel cards can be a convenient way to withdraw funds and spend over the counter, it may not seem to be the cheapest option when you factor in the extra fees.

• Comes with a back-up if the card is compromised
• Not linked to your bank account
• Can reload money online easily
• Pay directly or withdraw from ATM
• Rupees cannot be preloaded
• Some cards charge a reload fee
• Can take up to six days for a transfer

Paying with cash in India

You should always have some cash on you, ideally have some spending money in lower denominations and then keep a large amount in a hidden place. Whether you’re staying in small villages or big cities, you will find that many services, attractions and simply getting around will require you to use cash.

Banks and exchange offices will happily exchange foreign currency at a reasonable rate and with a small commission, if any commission at all. It helps if you can access online rates before you exchange so you can give yourself a rough idea of how much you should get and don’t get ripped off.

• Tip: Indian rupee notes can get pretty scruffy and ripped, and overly creased or otherwise damaged notes will not be accepted. People love to try and give them to tourists.
• Payment flexibility
• Convenience
• Difficult to manage expenses
• Higher risk of theft

Using traveler’s checks

Security is the main advantage of using traveler’s checks. Each check has a unique serial number and can only be cashed with photo identification.

Fees are the main disadvantage. Banks charge you to get checks and to cash them. You’re better off using a debit or travel card which lets you make cheap or free ATM withdrawals to get Indian rupees.

• Tip: Traveler’s checks are good for locking in a good exchange rate. So if you watch the forex market, get them while the getting’s good.
• Can be costly with initial purchase charges
• Not all merchants accept traveler’s checks

The money used in India is called the Indian rupee (INR). It comes in denominations of 5, 10, 20, 50, and 100 notes — the 500 and 1000 note were demonetized in 2016.

The main banks in India are:

• Bank of Baroda
• Bank of India
• Canara Bank
• IndusInd Bank
• Kotak Mahindra Bank
• Punjab National Bank
• State Bank of India

If you’re a foreigner, you can bring up to 25,000 rupees into India, whereas returning residents can only bring 5,000 to 7,500 rupees into the country. There’s no restriction to the amount of foreign currency you can bring with you, though you’ll have to claim more than $5,000 cash at customs.

Refreshing in: 60s | Fri, Aug 23, 01:58PM GMT

ATMs are widely available in India and you should have no trouble finding one. Limits vary depending on the machine, but you should be able to withdraw up to your local bank’s ATM withdrawal limit. If not, 10,000 rupees ($150) is a standard amount to withdraw.

If possible, use a debit card that doesn’t charge international ATM fees, like the one from Betterment Checking.

• Tip: If the ATM is slow to respond, don’t worry, sometimes it takes a good half minute for an ATM to process the transaction.

Specific areas in India are out of bounds for US travelers. In more US-friendly spots it’s wise to use an elevated level of caution and avoid traveling alone.

Never wear flashy or luxury items out in public and keep your valuables at home. Conceal your wallet in your pocket or consider using a money belt to tuck your funds away out of arm’s reach. Be aware of your surroundings at all times.

If you’re wondering how much money you’ll be spending on your trip to India, that’ll depend on your tastes and budgets. You can get by on as little as $10 a day or spend thousands just sleeping in a 5-star hotel. All prices are in US dollars.

Prices are approximate and are subject to change.

Case study: Jane's experience

Case study: Jane’s Indian sabbatical

Jane spent just under two months traveling in India. She started in the north making her way from New Delhi to Uttar Pradesh so she could visit the Taj Mahal and the city of Varanasi, the spiritual capital of India. She finished her trip relaxing on the beaches of Goa. Her trip took her off the beaten track, through tourist spots and India’s bustling cities.

What travel money tips do you have for India?

• Tricks and scams. Be aware of scams that can be anything from a detour in a taxi, thieves trying to pick pockets or fake tourist bureaus at New Delhi train station and around Connaught Place. Jump on blogs and official websites to read up on the latest tourist scams.
• Bargaining. Tourists are frequently charged higher prices for goods in India. Don’t be afraid to bargain. Sellers don’t expect you to pay the asking price. Bargaining is a part of the culture in India so don’t be shy, but don’t take it too seriously, either. If you agree to a price make sure you are happy with it because once you agree, you’re obliged to pay it.

India has a unique set of risks which is why you should give travel insurance a look. Travel insurance can protect against situations such as:

• Flight delays
• Stolen cash
• Rental vehicle excess
• Overseas medical emergencies
• Lost luggage

It is a country so dense, so stimulating to the senses and impulses that the first visit to India can be a shock to even the most road-hardened traveler. Find the right travel money to take to India so you can access your money cheaply and conveniently and fully experience the country’s rich cultural tapestry.

Kyle Morgan

Kyle Morgan is SEO manager at Forbes Advisor and a former editor and content strategist at Finder. He has written for the USA Today network and Relix magazine, among other publications. He holds a BA in journalism and media from Rutgers University. See full bio

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Best Travel Credit Cards in India

• August 19, 2024
• Best Credit Cards

Travel credit cards are a special type of credit cards that offer exclusive benefits and perks to cardholders who travel regularly. These credit cards offer benefits for booking flights, hotel stays, and other travel-related expenses. In this article, we focus on the best travel credit cards in India and how these can help you save on your travel related expenses. Travel credit cards can be various types. Some will offer flight tickets on spends, some will offer reward points that can be transferred to hotel/airline partners while others can have a simple benefit of offering discounts on flights/hotels bookings.

List of Best Travel Credit Cards in India

Amex Membership Rewards Credit Card

Amex MRCC is an entry-level credit card that can give rewards on par with some of the premium cards. We get 1000 bonus MR points each on Rs 1500 X 4 transactions and Rs 20000 spent every month. For achieving the milestone benefits, one of the options is to buy Amazon Pay gift vouchers from Amex Reward Multiplier. Amex has one of the biggest lists of airline/hotel partners to which you can transfer out points. Marriott Bonvoy is a popular option as we get a transfer ratio of 1:1.

• Joining Fee: Zero
• Annual Fee: Rs 1500+GST
• Rewards: 1% to 8%
• Annual Fee Waiver: Rs 1.5 Lakh spend
• Best Use: Online Spends and Wallet Loads
• Rewards Redemption: Transfer to airline/hotel partners
• Airport Lounge Access: Not Available
• Con: Offline acceptance can be an issue

Marriott Bonvoy HDFC Bank Credit Card

This is the first Marriott Bonvoy co-branded credit card in India. While the reward rate is low, this card is still a good bet just for the joining and renewal benefits. We get Bonvoy Silver Elite status with 10 night credits that help in reaching higher statuses like Gold and Platinum. The second benefit against the fee is a FNA credit worth up to 15K points.

• Joining/Annual Fee: Rs 3000+GST
• Rewards: 0.8% to 3.2%
• Annual Fee Waiver: None
• Best Use: Retail spends
• Rewards Redemption: Marriott Bonvoy Hotel Stays
• Airport Lounge Access: 12 visits/year to airport lounges in India and 12 visits/year to airport lounges outside India

American Express Platinum Travel Credit Card

The American Express Platinum Travel credit card is another way to earn MR points and is best suited if you can spend Rs 4 Lakh in a membership year. It gives you milestone bonus points on annual spends of Rs 1.9 Lakh and Rs 4 Lakh. We also get a Rs 10,000 worth of Taj voucher on Rs 4 Lakh spend.

• Joining Fee: Rs 3500+GST
• Annual Fee: Rs 5000+GST
• Rewards: Up to 8%
• Rewards Redemption: Taj Vouchers, Points transfer
• Airport Lounge Access: 2 visits/quarter to airport lounges in India

Axis Bank Atlas Credit Card

Axis Atlas continues to be one of the best travel credit cards in India to earn miles/hotel loyalty points. At a fee of Rs 5000+GST, the Atlas can give you a return close to what the super-premium Infinia gives at more than twice the annual fee.

• Joining/Annual Fee: Rs 5000+GST
• Rewards: 1% to 10%
• Best Use: Travel EDGE and direct airline/hotel spends
• Rewards Redemption: Points transfer to airline and hotel loyalty programs
• Airport Lounge Access: 8 visits/year to airport lounges in India and 4 visits/year to airport lounges outside India

Club Vistara SBI Card PRIME

The Club Vistara SBI Card PRIME offers you 4 premium economy tickets and a Rs 10,000 worth of Yatra Hotel gift voucher on spending Rs 8 Lakh in a membership year. If you can use Vistara tickets, this is one of the Vistara co-branded credit cards you can get today.

• Joining/Annual Fee: Rs 2999+GST
• Rewards: Up to 6%
• Rewards Redemption: Vistara Tickets
• Airport Lounge Access: 2 visits/quarter to airport lounges in India and 1 visit/quarter to airport lounges outside India

Club Vistara IDFC First Bank Credit Card

The Club Vistara IDFC First Bank credit card is another pick for the best travel credit cards in India with its milestone benefits. It offers you up to 5 premium economy tickets on spends.

• Joining/Annual Fee: Rs 4999+GST
• Rewards: Up to 4%

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10 Best Prepaid Travel Cards for India

Table of Contents

Prepaid travel card

When planning a vacation, you probably have the expense front and center in your mind.

In international travel, it’s not always the best idea to use your regular credit card because of the added forex markup cost associated with purchases made in a currency other than the one on which your card is issued. This is why many companies issue prepaid travel cards designed specifically for those who frequently travel.

10 Best prepaid travel cards for India

Here are some of the best-prepaid cards to consider while traveling:

• Happay World Travel Card
• Axis Bank Multicurrency Forex Card
• YES Bank Multicurrency Travel Card
• HDFC Multicurrency Forex Card
• IndusInd Bank Multicurrency Card
• Thomas Cook Forex Card
• ICICI Bank Forex Prepaid Card
• SBI Multicurrency Foreign Travel Card
• MakeMyTrip HDFC Bank ForexPlus Card
• Goibibo ICICI Bank Forex Prepaid Card

Must read: 5 Best Corporate Credit Cards in India

10 Best prepaid travel card for India – A comparative table

List of 10 best prepaid travel cards for india, 1. happay world travel card.

Happay’s World Travel Card solves some of the most crucial challenges that CFOS and Travel officers face. For instance, as regards international travel, finance leaders need robust controls and real-time visibility.

However, they are equally concerned about picking

• Cards that offer the best currency rates
• Travel cards that can be tracked, managed, and controlled easily.

Happay’s World Travel Card is ideally designed for a modern workforce where the key is to offer ease of use (for employees) and superior visibility and control (for employers). These secure cards offer powerful pre-spend controls and 24/7 app access. 

The smartphone app lets employees view and track their card balance and transaction history in real time. Admins can block lost or stolen cards temporarily or permanently, giving them complete control over usage. Happay World Travel is a single-currency business travel card that can be filled instantaneously in INR and can be spent across 150 countries without the need for re-conversion upon return. 

How to get a World Travel Card?

If you are a startup (funded) or an enterprise, you can apply for a World Travel Card. Once you have provided all the necessary documents,  you can avail of credit within 5 hours of onboarding. 

Documents required to get a World Travel Card

To apply for a World Travel Card, you must provide the KYC documents and all relevant company information. You may contact Happay for any additional information.

2. Axis Bank Multicurrency Forex Card

Axis Bank Multicurrency Forex Card is one of the popular forex cards in India. Applicants do not need to reload their cards with different currencies whenever they travel. In addition to protecting you from currency fluctuations, the card also serves as a hedging tool.

You can cash out your funds using this card after completing your journey. Consumers can pay by waving their cards across a contactless scanner without physically contacting the device.

You can load the following currencies:

New Zealand Dollar,(HKD) Hong Kong Dollar, South African Rand., and the Danish Krone

Suggested Read: What is the corporate credit card limit?

 3. YES Bank Multicurrency Travel Card

YES Bank Multicurrency travel card is very safe and cost-effective. You can easily manage your card from anywhere and anytime using the online customer service portal. Additionally, you can view your transaction history easily.

Loading currencies is possible in the following currencies:

The British Pound, the Euro, the Singapore Dollar, the Australian Dollar, the UAE Dirham, the Japanese Yen, the Canadian Dollar, the Hong Kong Dollar, the Chinese Franc, and the Swiss Franc.

4. HDFC Multicurrency Forex card

In the market, the HDFC Multicurrency Forex Card is among the most popular choices. On a single card, 22 currencies are available.

Contactless cards offer supplementary insurance and concierge services and the ability to shuffle cash between two distinct currencies. Forex traders can also benefit from them by protecting themselves from currency swings. In the event that customer data is misused, the customer is also entitled to compensation of up to 5 lakh rupees.

Below are the currencies that can be loaded:

The currencies that can be loaded are Euros, Oman Riyals, Korean Wons, United Arab Emirates Dirhams, Japanese Yen, Saudi Riyals, Sterling Pounds, Malaysian Ringgits, Norwegian Krones, Swiss Francs, Thai Bahts, Danish Kronas, Swedish Kronas, and South African Rands.

Also, Read: 5 Best RazorpayX Alternatives for Corporate Card

 5. IndusInd Bank Multicurrency Card

Card with multicurrency capabilities from IndusInd Bank

A popular multicurrency card among travelers is the IndusInd Bank Multicurrency Card. With this card, you can use 14 different currencies, and you won’t have to worry about international markups. With the package, customers can withdraw up to two free withdrawals from ATMs each month.

The euro (EUR), the Singapore dollar (SGD), the British pound (GBP), the Saudi riyal (SAR), the US dollar (USD), the Canadian dollar (CAD), the Australian dollar (AUD), the Euro (EUR), the British pound (GBP), the United Arab Emirates Dirham (AED), and the British pound (GBP) are among the major currencies.

6. Thomas Cook Forex Card In India

Thomas Cook Forex cards are smart and secure. They are available in 9 different currencies, allowing you to swipe them across numerous Master and VISA card POS or merchant outlets worldwide. 

Offering insurance coverage of up to $10000, the card also features 3D secure authentication for all online transactions. You can also check balances, statements, and block cards via toll-free customer service online.

Thomas Cook travel cards offer convenience as they are simple to buy and reload.  Replacement and backup cards are available at no cost. Further, emergency cash is available on these cards (up to the available card balance and subject to availability).

These currencies can be loaded on this card:

The US dollar (USD), the Canadian dollar (CAD), the Australian dollar (AUD), the Euro (EUR), the British pound (GBP), the United Arab Emirates Dirham (AED), the Singapore dollar (SGD), are among the major currencies that can be loaded on this card.

7. ICICI Bank Forex Prepaid Card

ICICI Bank Forex Prepaid Card is a good option if you are planning to travel internationally. Travel schedules can be adapted to your needs. Reloading this card is possible through ICICI FX’s online platform, mobile app, or branch locations.

As well as restaurant discounts, it offers discounts on shopping and a range of other outlets worldwide by up to 20%.

Their insurance policy also covers a maximum of Rs 10,00,000. It takes just two days to receive the card after opening an account with ICICI bank, and there is no need to open a savings account or current account.

There is a wide range of currencies that you can load onto the ICICI Forex Card, including

Swiss Francs, Japanese Yens, Swedish Kronas, South African Rands, Saudi Riyals, Thai Bahts, New Zealand Dollars (NZD), Hong Kong Dollars (HKD), US Dollars, Singapore Dollars, British Pounds (GBP), Australian Dollars (AUD), Arab Emirates Dirhams (AED), Canadian Dollars (CAD), Euros (EUR), Swiss Francs (CHF).

Quick Read: What is Credit Card Reconciliation?

8. SBI Multicurrency Foreign Travel Card

It can load seven currencies from different countries.

Using a MasterCard Acceptance Mark allows you to make payments wherever MasterCard is accepted, including restaurants, shopping, dining, and lodging. You can access it 24/7, every day of the week.

You can load the given below currencies:

The US Dollar (USD), the Pound Sterling (GBP), the Euro (EUR), the Canadian Dollar (CAD), the Australian Dollar (AUD), the Japanese Yen (YEN), the Saudi Riyal (SAR), and the Singapore Dollar (SGD) make up the five major currencies.

9. MakeMyTrip HDFC Bank ForexPlus Card

With features such as chip and PIN-enabled transactions, backup cards, and the ability to temporarily block the card, this HDFC Bank travel card is one of the best travel cards in India .

You can apply for these cards even if you are not an HDFC customer. Designed to make your international travel hassle-free, the HDFC card has several advantages, including complimentary membership in MMT’s Black Loyalty Program.

Currencies that can be loaded:

There is the option to load over 22 currencies in a single card, which allows you to enjoy your travels without any worries. The card also provides insurance for up to Rs 25 lakh.

10. Goibibo ICICI Bank Forex Prepaid Card

An ICICI Bank and Goibibo-branded forex prepaid card has been launched jointly by the two firms. Prepaid cards must be loaded with cash before being used for transactions. The program has no reward structure but offers discounts on forex rates, eating out, cab vouchers, etc. If your card is lost or misplaced, you will receive assistance 24 hours a day, 7 days a week.

This card supports the given below currencies:

USD (United States Dollar), Pound sterling (GBP), Canadian Dollar (CAD), Singapore Dollar (SGD), Japanese Yen (JPY), Saudi Riyal (SAR), Thai Baht (THB), New Zealand Dollar (NZD), Swedish Krona (SEK), Euro (EUR), Australian Dollar (AUD), United Arab Emirates Dirham (AED), Hong Kong Dollar (HKD) and South African Rand (ZAR)

Suggested Read: Impact of Company Credit Cards on Credit Scores

What is a prepaid travel card?

These cards are prepaid, meaning that, unlike credit cards, you must add funds before using them to make a purchase. Most of the top forex cards in the market are single-currency or multi-currency, allowing you to choose the one that suits your requirements.

The advantage of a prepaid travel card is that you do not have to carry cash everywhere, and carrying physical cash is not as secure as carrying digital cash.

It also assists in getting better exchange rates if you use a travel card with foreign currencies. This is because regardless of how the forex market fluctuates, the rate of the funds you have put in your travel card remains constant.

Travel Card vs Forex Card

Advantages of prepaid travel cards.

• Prepaid travel cards for travelers are accepted globally.
• Prepaid travel cardholders have the option of loading multiple currencies onto a single card.
• When used at restaurants in dozens of countries, the prepaid international card gives customers access to substantial savings.
• The customer earns reward points for each purchase made with their prepaid card.
• Customers can check their remaining balance at any ATM worldwide. In most circumstances, the bank will also send a notification text message to the consumer after each purchase or withdrawal, detailing the remaining value on the card.
• To maintain tabs on finances, you can view bank statements whenever you want
• Two replacement cards can be purchased if the original card is lost or stolen.
• There’s more flexibility and control over the currency and information.
• As soon as funds are added to a prepaid card, you’ll be limited to using only that amount. In this case, neither an overdraft nor a credit line is involved.
• If you don’t have a checking account with a bank, a prepaid card can still be used to make online purchases.
• Your prepaid card can be used at ATMs to withdraw cash if you find yourself in a bind. Although you need not be a customer of any specific financial institution to use an ATM, users of ATMs owned and operated by private businesses may be subject to fees.

Future read: 10 Best expense management software

How to choose your prepaid travel card?

Although there are numerous cards to choose from, determining which is right for you is easiest when you know where you intend to go. 

• You will need a card that can convert currencies in case you visit more than one country during your trip.
• There are various fees to consider while making a final decision, such as those associated with replacements, inquiries, and price hikes for shipping over international borders. 
• Investigate the exchange rates and the safety net they provide in the event of theft or loss.
• Costs associated with using your card abroad may include conversion costs, foreign transaction fees, ATM withdrawal fees, overlimit fees, and similar charges. To find out what fees may be incurred, check your bank’s or credit card company’s website or contact the customer care.
• In the event of card loss or theft, the first thing you should do is have access to your card temporarily disabled. You might either phone the bank’s customer service line or go online to disable the card yourself. 

Must read: TOP 10 Corporate Credit Card Benefits

How does the Happay World Travel Card benefit your employees?

• Happay cards can be issued to employees to make paying for business-related travel expenses easier. 
• The most obvious benefit to employees is that they won’t have to pay for these things out of their pockets. They also need not wait to get reimbursed .
• Expense information can also be accessed on the go using the mobile app. If you use Happay cards, you will have complete access to your spending data and analytics. In addition, you can get this data (in real-time) via the Happay Expense Dashboard.
• Happy travel cards make it much easier to keep tabs on business travelers’ spending. Pre-set spending restrictions, blocking and unblocking of cards, and fund transfers can all be managed from the mobile application.
• The finance team spends less time reconciling because all transactions are automatically reconciled.

As far as affordability, security, and convenience is concerned, no other forex card provider can match Happay.

The decision to travel abroad is not one to be made lightly. One thing you can’t forget about your trip is arranging the foreign currency.

Compared to the other travel cards we’ve discussed, the Happay World Travel Card does not charge any issuance fee and allows you to purchase in any currency without incurring additional fees.

Prepaid cards offer convenient and secure access to your money while traveling internationally, so they should be among your first options. Select the best-prepaid card for your upcoming trip abroad and travel hassle-free.

FAQ’s

Prepaid travel cards are designed specifically for overseas travelers. Prepaid travel cards allow users to load funds in various foreign currencies and do not impose any additional fees for making purchases in the currency for which they were issued.

a) Carrying money abroad is safer with a travel or forex card. b) A PIN protects it and makes it convenient to carry. c) If you lose your card, the amount on it is still safe in your account even if the card is blocked. d) In addition, it protects you from fluctuations in foreign exchange rates. e) Multiple currencies can be carried on a forex card, which is convenient and safe. f) In many cases, the loss or theft of your card is covered by free insurance.

Online shopping, flights, hotels, and other online payments are all possible using it like your credit card. With a forex card, you won’t be charged additional (cross-currency) fees when making online purchases abroad.

Related Posts:

• Best Business Credit Cards in 2023
• 10 Best Travel Management Software and Systems in 2023
• 5 Best ICICI Corporate Credit Card Alternatives,…
• 5 Best HDFC Corporate Credit Card Alternatives,…
• Corporate Travel Program: Why Does Your Business Need One?
• Corporate Travel Management: The Business Guide

How to Make Travel Checklist for Executive Assistants?

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Thomas Cook Travel Prepaid Card

There is barely anyone who is not excited about discovering the unique destinations of the world. Some travel enthusiasts prefer visiting multiple countries in one trip itself, while some choose one destination and explore its hidden beauty in-depth. Whether you are off to holidays or off to a business trip, one of the most the essential parts of your trip is managing foreign exchange. It is advised to buy forex in advance to avoid any last minute hassles. Some people prefer foreign currency, while some trust travel prepaid cards, depending on their usage, and itinerary. Prepaid travel cards are secure and easy, making them a preferred choice for many travelers. Do you still personally visit various forex centers around your locality to find the best rates? Stay safe from inflated exchange rates and unreliable vendors. Buy your forex online from Thomas Cook, one of the world’s most trusted foreign exchange partners. If you plan to visit multiple countries, then it only makes sense to opt for a forex travel card as it eliminates the hassle of carrying separate foreign currency of each country. Read our blog to understand the benefits and uses of Thomas Cook Forex Travel. Read our blogs for the Importance Of Carrying Forex Prepaid Card While Traveling Overseas. Thomas Cook Offers • Buy Forex card & get Amazon gift voucher worth upto ₹ 500 with additional benefits.* • Buy forex card worth $1000 & get one free ATM withdrawal. This is available only on digital channels. For more information, please visit our offers page . *T&C Apply. Limited period offer. Get Amazon voucher of ₹500 on purchase of card worth USD 1500 & voucher of ₹250 on purchase of card worth $1000. Offer Valid Only On Website & WhatsApp. Read more

Borderless Prepaid Multi Currency Card

Our Borderless Prepaid Multicurrency Card is a smart card 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. The best part is that you can buy the travel forex prepaid card from the convenience of your home. To further enhance your experience of booking forex, , we offer doorstep delivery of your card. Alternatively, you could also pick it up yourself from the nearest Thomas Cook branch. To get your travel card , just log on to the Thomas Cook website, enter the required details and you are good to go! Read more

Buy Your Card

Reload your card, one currency card.

Our One Currency Card safeguards you from inflated and hefty currency conversion charges. Traveling abroad can be an expensive affair and everyone makes the best attempt to reduce their travel costs by finding the best deals on hotels and flights . How about saving money on foreign exchange too? Thomas Cook along with MasterCard Worldwide has brought to you a cost-effective and efficient travel currency card that ensures a hassle-free trip. What’s more, this card empowers you to travel across countries and eliminate cross currency conversion charges, which typically range from 3% to 4% of the amount. Our collective years of expertise have enabled us to deliver world-class solutions, which in turn makes your trip a memorable one. Enhance your travel experience, while saving on forex by partnering with Thomas Cook. Read tips on how to plan an abroad trip effectively. Read more

Benefits of Thomas cook travel card

• Withdraw local currency from over 2 million MasterCard ATMs & 3 million Visa ATMs worldwide
• Swipe it across 35.2 million MasterCard merchants & 70 million Visa merchants in over 200+ countries
• Avoid currency fluctuations by loading funds in advance
• Automatic determination of currency based on transaction location
• Prepayment helps you keep to your spending plans
• Load your Card as often as you like
• Chip & PIN protected
• Not linked to your bank account
• Real time transactional alerts on SMS (Reg. Int. no.) & e-mail alerts
• Enable & Set your own Limits
• 3D Secure Authentication for Online Transactions
• Insurance cover up to INR 7,50,000
• Backup Card available at Zero Cost
• Free replacement of lost or stolen Cards
• Quick and simple to buy and to reload
• No surcharge at ATM's across AllPoint Network
• Website & Mobile App to check balance, statement, change PIN & block card
• Use unspent funds on your next trip, withdraw the funds at an ATM abroad, or cash out your Card
• Emergency cash, up to your available Card balance, subject to availability

Customer Assistance

• Dedicated Toll free Number in India
• 24x7 Global Customer Assistance Services
• Emergency Services

Documents required

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. 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. 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. Read more

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.

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 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.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.

What People are Saying

Buying Forex from Thomas Cook is just so convenient. Since I am a frequent traveller and visit lots of countries, I opted for One Currency Card. This card makes my foreign traveler very a hassle-free process as far as forex is concerned.

- Jai , Jaipur

Buying Forex is not as easy as you think. But Thomas Cook makes it really easy for people who are buying it for the first time. The process is simple and the best part is the door step delivery. You don’t have to step out of your home to buy foreign exchange.

- Ronak, Mumbai

I am frequent traveller and Thomas Cook One Currency Card is a boon for travellers like me. I travel across borders with just one card

- Maya, Bangalore

Let us know about your experience,just by sharing your reviews.

Frequently asked Questions

• What is a forex card? Forex cards are prepaid cards, which can be used to make payments or withdraw cash in a foreign currency. You can use this card just like your debit card without linking it directly to your bank account. Forex cards also charge either zero or minimal transaction fees.
• Can I use a forex card to make purchases in India or online? As per FEMA regulations, Borderless Prepaid Cards and One Currency cards cannot be used in India, Nepal and Bhutan You cannot use it for online purchases where the website is registered in any of these 3 countries.
• Does a prepaid forex card get me better currency exchange rates? You get better exchange rates depending on the prevailing market rates and conditions. Prepaid forex cards let you load the funds in advance, allowing you to lock your conversion rate.
• 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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Travel Advisory July 23, 2024

India - level 2: exercise increased caution.

Updated to reflect information on the northeastern states.

Exercise increased caution in India due to crime and terrorism.  Some areas have increased risk. 

Do not travel to:

• The union territory of Jammu and Kashmir (except the eastern Ladakh region and its capital, Leh) due to terrorism and civil unrest .
• Within 10 km of the India-Pakistan border due to the potential for armed conflict .
• Portions of Central and East India due to terrorism.
• Manipur due to violence and crime .

Reconsider travel to:

• The northeastern states due to terrorism and violence .

Country Summary:  Indian authorities report that rape is one of the fastest growing crimes in India. Violent crime, such as sexual assault, has happened at tourist sites and other locations.

Terrorists may attack with little or no warning. They target tourist locations, transportation hubs, markets/shopping malls, and government facilities.

The U.S. government has limited ability to provide emergency services to U.S. citizens in rural areas. These areas stretch from eastern Maharashtra and northern Telangana through western West Bengal. U.S. government employees must get special authorization to travel to these areas.

Read the country information page for additional information on travel to India.

Visit the CDC page for the latest Travel Health Information related to your travel.

If you decide to travel to India:

• Do not travel alone, particularly if you are a woman. Visit our website for Women Travelers .
• Review your personal security plans and remain alert to your surroundings.
• Enroll in the Smart Traveler Enrollment Program ( STEP ) to receive Alerts and make it easier to locate you in an emergency.
• Follow the Department of State on Facebook and Twitter .
• Review the  Country Security Report for India.
• Prepare a contingency plan for emergency situations. Review the Traveler’s Checklist .

Union Territory of Jammu and Kashmir – Level 4: Do Not Travel

Terrorist attacks and violent civil unrest are possible in the union territory of Jammu and Kashmir. Do not travel to this state (with the exception of visits to the eastern Ladakh region and its capital, Leh). Violence happens sporadically in this area and is common along the Line of Control (LOC) between India and Pakistan. It also occurs in tourist spots in the Kashmir Valley: Srinagar, Gulmarg, and Pahalgam.  The Indian government does not allow foreign tourists to visit certain areas along the LOC.

Visit our website for Travel to High-Risk Areas .

India-Pakistan Border – Level 4: Do Not Travel

India and Pakistan have a strong military presence on both sides of the border. The only official border crossing for non-citizens of India or Pakistan is in Punjab. It is between Attari, India, and Wagah, Pakistan.  The border crossing is usually open, but check its current status before you travel. To enter Pakistan, you need a Pakistani visa. Only U.S. citizens residing in India may apply for a Pakistani visa in India. Otherwise , apply for a Pakistani visa in your home country before traveling to India

Portions of Central and East India – Level 4: Do Not Travel

Maoist extremist groups, or “Naxalites,” are active in a large area of India that spans from eastern Maharashtra and northern Telangana through western West Bengal. Attacks against officers of the Indian government continue to occur sporadically in the rural parts of Chhattisgarh and Jharkhand that border with Telangana, Andhra Pradesh, Maharashtra, Madhya Pradesh, Uttar Pradesh, Bihar, West Bengal, and Odisha. Southwest areas of Odisha are also affected. The Naxalites have carried out many terrorist attacks, targeting local police, paramilitary forces, and government officials.

Due to the fluid nature of the threat, U.S. government employees are required to obtain permission prior to traveling to most areas in the states of Bihar, Jharkhand, Chhattisgarh, West Bengal, Meghalaya, and Odisha. Permission is not required if employees are traveling only to the capital cities of these states.

U.S. government employees also need approval to travel to the eastern region of Maharashtra and the eastern region of Madhya Pradesh

Visit our website for  Travel to High-Risk Areas .

Manipur -  Level 4: Do Not Travel

Do not travel to Manipur due to the threat of violence and crime.  Ongoing ethnic-based civil conflict has resulted in reports of extensive violence and community displacement. Attacks against Indian government targets occur on a regular basis.  U.S. government employees traveling in India require prior approval before visiting Manipur. 

Visit our website for  Travel to High-Risk Areas .  

Northeastern States – Level 3: Reconsider Travel

Ethnic insurgent groups occasionally commit acts of violence in parts of the northeast. These incidents include bombings of buses, trains, rail lines, and markets. There have been no recent reports of violence in Assam, Nagaland, Arunachal Pradesh, Mizoram, Sikkim, or Tripura.

U.S. government employees traveling in India require prior approval before visiting the states of Sikkim, and Arunachal Pradesh, as well as when visiting any areas outside of the capital cities of Assam, Mizoram, Nagaland, Meghalaya, and Tripura. 

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Quick Facts

Must be valid for six months beyond date of visa application to obtain a visa.

Two pages required.

Yes. Travelers must enter with a visa in their passport. The visa is valid for 10 years for U.S. citizens. Or they can use an e-tourist visa, which varies in validity. Note that the Indian authorities issue visas with dates in the DD/MM/YY format.

Travelers arriving from an infected area must have a yellow fever vaccination. Others are suggested.

You must declare currency over USD $5,000 at entry. Please check with the Indian Embassy in Washington, D.C. if you are planning to carry a large amount of currency or gold into India.

Check local law for rules on reporting large amounts of foreign currency and Indian rupees when leaving.

Embassies and Consulates

U.s. embassy new delhi.

Shantipath, Chanakyapuri New Delhi - 110021 India Telephone: +(91) (11) 2419-8000 Emergency After-Hours Telephone: +(91) (11) 2419-8000 Fax: +(91) (11) 2419-0017 [email protected]

The U.S. Embassy, New Delhi serves U.S. citizens in the Indian states of Haryana, Himachal Pradesh, Punjab, Rajasthan, Uttarakhand, and Uttar Pradesh, the union territories of Chandigarh, Delhi, Jammu and Kashmir, and Ladakh, and the country of Bhutan.

U.S. Consulate General Mumbai C-49, G-Block, Bandra Kurla Complex Bandra East, Mumbai 400051 India Telephone: +(91) (22) 2672-4000   Emergency After-Hours Telephone: +(91) (22) 2672-4000   If you are calling from within India, but outside Mumbai, first dial 022.   Fax: 91-(0)22-2672-4786   [email protected]

The Consulate General in Mumbai provides consular services for the states of Goa, Gujarat, Chhattisgarh, Madhya Pradesh, and Maharashtra, and the union territory of Diu and Daman, and Dadra and Nagar Haveli.

U.S. Consulate General Kolkata 5/1 Ho Chi Minh Sarani Kolkata - 700 071, West Bengal, India Telephone: +(91) (33) 3984-2400 Emergency After-Hours Telephone: +(91) (33) 3984-2400 then dial "0" Fax: +(91) (33) 2282-2335 [email protected]

The United States Consulate General in Kolkata provides consular services for the states of Bihar, West Bengal, Jharkhand, Nagaland, Mizoram, Manipur, Meghalaya, Arunachal Pradesh, Sikkim, Tripura, and Assam. .

U.S. Consulate General Chennai 220 Anna Salai at Gemini Circle Chennai, India 600006 Telephone: +(91) (44) 2857-4000 Emergency After-Hours Telephone: (0) 44-2857-4000. Ask for American Citizen Services. (Within India, but outside Chennai, first dial 044. From the United States, first dial 011-(91) (44)) Fax: +(91) (044) 2811-2020 [email protected]

The Consulate General in Chennai provides consular services for the states of Tamil Nadu, Karnataka, Kerala, and the Union Territories of Andaman and Nicobar Islands, Pondicherry, and the Lakshwadeep Islands. 

U.S. Consulate General Hyderabad Survey No. 115/1, Financial District, Nanakramguda Hyderabad, Telangana, 500032 Telephone:+(91) (40) 6932 8000 Emergency After-Hours Telephone: 4033-8300 and ask for American Citizen Services. (If calling from within India, but outside Hyderabad, first dial 040. From the United States, first dial 011-(91) (40))   Fax: 4033-8306  [email protected]

The Consulate General in Hyderabad provides services to U.S. citizens in the Indian states of Andhra Pradesh, Telangana, and Odisha. 

Destination Description

See the Department of State’s Fact Sheet on India for information on U.S.-India relations.

Entry, Exit and Visa Requirements

All U.S. citizens need a valid passport as well as a valid Indian visa or an Overseas Citizen of India (OCI) card to enter and exit India for any purpose. India may deny entry to travelers without valid documents or the correct type of visa. Indian visa rules and instructions change often. They often do so with little warning. Travelers should check the  website of the Indian Embassy in Washington D.C. before any travel to India to review the most current information. The U.S. Embassy and Consulates General in India cannot assist you if you arrive without proper documentation.

U.S. citizens seeking to enter India solely for tourist purposes for stays of less than 60 days may apply for an eVisa at least four days before their arrival. Please visit the  Indian government's website for electronic travel authorization for more information and to submit an application visit the Bureau of Immigration’s website.

U.S. citizens seeking to enter India as a tourist for longer than 60 days or for any other purpose must apply for a visa from an Indian embassy or consulate. The Government of India has appointed VFS Global to assist with visa services for individuals in the United States. Applicants may apply for Indian visas through the application link . Please exercise caution and check the correct website and as there are many fake webpages that will gather your personal information.

You can submit Diplomatic and Official visa applications directly to the Indian Embassy and Consulates. All U.S. government employees traveling on official orders, including military personnel, must get country clearance for travel to India. Once you have received your visa, check it carefully to ensure that the type of visa, validity dates, and number of entries is appropriate for your travel plans.

Keep copies of your U.S. passport data page, as well as the pages containing the Indian visa and Indian immigration stamps, with you at all times. Consider saving these documents to your mobile phone in case of emergency. If your passport is lost or stolen, copies will help you apply for a replacement passport and an exit permit from the Indian government. Replacing a lost visa, which is required to exit the country, may take several business days.  

U.S. citizens of Pakistani origin or descent are subject to administrative processing and should expect additional delays when applying for Indian visas.

Foreign citizens who visit India to  study, do research, work, or act as missionaries, as well as all travelers and residents planning to stay more than 180 days, are required to register their visit or residency within 14 days of arrival with the Foreigners Regional Registration Office (FRRO)  closest to where they will be staying, in addition  to having the appropriate visa  when they enter India. Similarly, if you are traveling to India to give birth, you must register your newborn’s birth within 14 days with the FRRO office. Failure to do so will result in fines, fees, and penalties. The FRRO has offices in New Delhi, Mumbai, Chennai, Hyderabad, Kolkata, Bengaluru (Bangalore), Lucknow, Calicut, Goa, Cochin, Trivandrum, and Amritsar. District Superintendents of Police serve as Foreigners Registration Officers (FROs) in all other places. We recommend all U.S. citizens review the entry requirements described on the  Frequently Asked Question (FAQ)  section on the Indian Bureau of Immigration website.

If you overstay your Indian visa or break Indian visa rules, you may need clearance from the Ministry of Home Affairs to leave. In general, authorities will fine you and, in some cases, may even jail you for months. Visa violators seeking an exit permit must visit  the Foreigners Regional Registration Office portal  to submit the application and pay any levied fines. Processing an exit permit can take up to 90 days in these cases. Decisions will be made case by case.  

Possession of a satellite phone is strictly prohibited in India and may lead to detention or arrest.

For the most current information on entry and exit requirements, please contact the  Embassy of India’s Consular wing  at 2536 Massachusetts Avenue NW, Washington, DC 20008, telephone (202) 939-9806 or the Indian Consulates in  Atlanta ,  Chicago ,  Houston ,  New York , or  San Francisco . Outside the United States, you should inquire at the nearest Indian embassy or consulate.

General information regarding Indian visa and immigration rules, including the addresses and telephone numbers for the FRRO offices, can be found at the  Indian Ministry of Home Affairs Bureau of Immigration website.

HIV/AIDS RESTRICTIONS:  There are no disclosure requirements or restrictions for HIV/AIDS patients who enter India on a tourist visa. Disclosure regarding HIV/AIDS is required of anyone seeking a resident permit in India. Foreign residents found to be suffering from HIV/AIDS will be deported. Please verify this information with the  Embassy of India  before you travel.

Find information on  dual nationality ,  prevention of international child abduction  and  customs regulations  on our websites.

Safety and Security

U.S. citizens should always practice good personal security and situational awareness. Be aware of your surroundings. This includes local customs and etiquette. Keep a low profile. Monitor local news reports, vary routes and times in carrying out daily activities, and consider the level of security present when visiting public places, including religious sites, and when choosing hotels, restaurants, and entertainment and recreation venues.

India intermittently experiences terrorist and insurgent activities which may affect U.S. citizens directly or indirectly. Some U.S.-designated terrorist groups are active in India, including Jaish-e-Mohammed and Lashkar-e Tayyiba. The U.S. government occasionally receives information regarding possible terrorist attacks that could take place in India, monitors such information to determine credibility, and advises U.S. citizens accordingly. Enroll in the  Smart Traveler Enrollment Program (STEP)  to receive messages from the Embassy automatically.  

Past attacks have targeted public places, including some frequented by Westerners, such as luxury and other hotels, trains, train stations, markets, cinemas, mosques, and restaurants in large urban areas. Attacks have taken place during the busy evening hours in markets and other crowded places but could occur at any time. Alerts are usually more frequent around major holidays. The Maoists (also known as “Naxalites”) are the most active insurgent group in India. The Naxalites typically attack Indian government officials, but have also derailed trains, targeted other government buildings such as police stations, and conducted other criminal activity. 

Demonstrations and general strikes, or “bandh,” often cause major inconvenience and unrest. These strikes can result in the stoppage of all transportation and tourist-related services, at times for 24 hours or more. U.S. citizens caught in such a strike may find they are unable to make flight and rail connections, as local transportation can be severely limited. Local media generally give an idea of the length and geographical location of the strike. You are urged to obey any imposed curfews and travel restrictions and avoid demonstrations and rallies as they have the potential for violence, especially immediately preceding and following political rallies, elections, and religious festivals (particularly when Hindu and Muslim festivals coincide). Tensions between castes and religious groups can also result in disruptions and violence. 

There are active "anti-conversion" laws in some Indian states, and acts of conversion sometimes elicit violent reactions from Hindu extremists. Foreigners suspected of proselytizing Hindus have been attacked and killed in conservative, rural areas in India in years past. In some cases, demonstrators specifically block roads near popular tourist sites and disrupt train operations in order to gain the attention of Indian authorities; occasionally vehicles transporting tourists are attacked in these incidents. You should monitor local television, print and social media, and Mission India’s American Citizens Services  Facebook page

Swimming:  You should exercise caution if you intend to swim in open waters along the Indian coastline, particularly during the monsoon season. Every year, people in Goa, Mumbai, Puri (Odisha), off the Eastern Coast in the Bay of Bengal, and other areas drown due to strong undertows. It is important to heed warnings posted at beaches and to avoid swimming in the ocean during the monsoon season. Several years ago, there were reports of fatal crocodile attacks in the Andaman Islands. Trained lifeguards are very rare along beaches.

Wildlife Safaris:  Many tour operators and lodges advertise structured, safe excursions into parks and other wildlife viewing areas for close observation of flora and fauna. However, safety standards and training vary, and it is advisable to ascertain whether operators are trained and licensed. Even animals marketed as “tame” should be respected as wild and extremely dangerous. Keep a safe distance from animals at all times, remaining in vehicles or other protected enclosures when venturing into game parks or safaris.

Trekking:  Trekking expeditions should be limited to routes identified for this purpose by local authorities. Use only registered trekking agencies, porters, and guides, suspend trekking after dark, camp at designated camping places, and travel in groups rather than individually. Altitudes in popular trekking spots can exceed 25,000 feet (7,620 m); please ensure you are fit to trek at these altitudes and carry sufficient medical insurance that includes medical evacuation coverage.

Train Travel:  India has the third largest rail network in the world, and train travel in India is generally safe. Nevertheless, accidents and on-board fires are sometimes caused by aging infrastructure, poorly maintained equipment, overcrowding, and operator errors. Train accidents and fires have resulted in death and serious injury of passengers.

Areas of Instability: Jammu & Kashmir:  The Department of State recommends that you do not travel to the union territory of Jammu & Kashmir because of the potential for terrorist incidents as well as violent public unrest. A number of terrorist groups operate in the territory targeting security forces, particularly along the Line of Control (LOC) separating Indian and Pakistani-controlled Kashmir, and those stationed in primary tourist destinations in the Kashmir Valley: Srinagar, Gulmarg, and Pahalgam. Foreigners are particularly visible, vulnerable, and at risk. In the past, serious communal violence left the territory mostly paralyzed due to massive strikes and business shutdowns, and U.S. citizens have had to be evacuated by local police. The Indian government prohibits foreign tourists from visiting certain areas along the LOC (see the section on Restricted Areas, below) and may require a travel permit to enter this area.

India-Pakistan Border:  The Department of State recommends that you do not travel to areas within ten kilometers of the border between India and Pakistan. Both India and Pakistan maintain a strong military presence on both sides of the border. The only official India-Pakistan border crossing point for persons who are not citizens of India or Pakistan is in the state of Punjab between Atari, India, and Wagah, Pakistan. The border crossing is usually open, but you are advised to confirm the current status of the border crossing prior to commencing travel. A Pakistani visa is required to enter Pakistan. Only U.S. citizens residing in India may apply for a Pakistani visa in India. Otherwise, you should apply for a Pakistani visa in your country of residence before traveling to India.

Both India and Pakistan claim an area of the Karakoram Mountain range that includes the Siachen glacier. Travel or mountain climbing in this area is highly dangerous. The disputed area includes the following peaks: Rimo Peak; Apsarasas I, II, and III; Tegam Kangri I, II and III; Suingri Kangri; Ghiant I and II; Indira Col; and Sia Kangri. Check with the U.S. Embassy in New Delhi for information on current conditions.

Northeastern States:  Incidents of violence by ethnic insurgent groups, including bombings of buses, trains, rail lines, and markets, occur sporadically in the northeast. While U.S. citizens have not been specifically targeted, it is possible that you could be affected as a bystander. If you travel to the northeast, you should avoid travel by train at night, travel outside major cities at night, and crowds. U.S. government employees at the U.S. Embassy and Consulates in India are prohibited from traveling to certain areas in the states of Assam, Arunachal Pradesh, Sikkim, Mizoram, Nagaland, Meghalaya, Tripura, and Manipur without permission from the U.S. Consulate General in Kolkata. Restricted Area Permits are required for foreigners to visit certain Northeastern states (see the section on Restricted Areas, below.) Contact the U.S. Consulate General in Kolkata for information on current conditions.

East Central and Southern India:  Maoist extremist groups, or “Naxalites,” are active in East Central India, primarily in rural areas. The Naxalites have a long history of conflict with state and national authorities, including frequent terrorist attacks on local police, paramilitary forces, and government officials, and are responsible for more attacks in the country than any other organization through an ongoing campaign of violence and intimidation. Naxalites have not specifically targeted U.S. citizens but have attacked symbolic targets that have included Western companies and rail lines. While Naxalite violence does not normally occur in places frequented by foreigners, there is a risk that visitors could become victims of violence.

Naxalites are active in a large swath of India from eastern Maharashtra and northern Telangana through western West Bengal, particularly in rural parts of Chhattisgarh and Jharkhand and on the borders of Telangana, Andhra Pradesh, Maharashtra, Madhya Pradesh, Uttar Pradesh, Bihar, West Bengal, and Odisha. Due to the fluid nature of the threat, all U.S. government travelers to states with Naxalite activity must receive authorization from the U.S. Consulate responsible for the area to be visited, unless they are only visiting capital cities.

Restricted/Protected areas:  Certain states or portions of states require Restricted Area Permits. These include:

• The state of Arunachal Pradesh
• Portions of the state of Sikkim
• Portions of the state of Himachal Pradesh near the Chinese border
• Portions of the state of Uttarakhand (Uttaranchal) near the Chinese border
• Portions of the state of Rajasthan near the Pakistani border
• Portions of the union territory of Jammu & Kashmir near the Line of Control with Pakistan and certain portions of the union territory of Ladakh
• The union territory of Andaman & Nicobar Islands
• The union territory of the Laccadives Islands (Lakshadweep)
• Portions of the state of Manipur
• Portions of the state of Mizoram
• Portions of the state of Nagaland

More information about travel to/in restricted/protected areas can be found from India’s  Bureau of Immigration .

Restricted Area Permits are available outside India at Indian embassies and consulates abroad, or in India from the Ministry of Home Affairs (Foreigners Division) at Jaisalmer House, 26 Man Singh Road, New Delhi. The states of Arunachal Pradesh and Sikkim maintain official guesthouses in New Delhi, which can also issue Restricted Area Permits for their respective states for certain travelers. While visiting Mamallapuram (Mahabalipuram) in Tamil Nadu, you should be aware that the Indira Gandhi Atomic Research Center in Kalpakkam is located just south of the site and is not clearly marked as a restricted and dangerous area.

For the latest security information, travelers should enroll in  STEP  to receive updated security information and regularly monitor travel information available from the  U.S. Embassy in New Delhi  as well as the U.S. Consulates General in  Mumbai  ,  Chennai ,  Hyderabad , and  Kolkata .

Crime:  Violent crime, especially directed against foreigners, has traditionally been uncommon. Petty crime, especially theft of personal property (including U.S. passports), is common, particularly on trains or buses, at airports, and in major tourist areas. Pickpockets can be very skilled and travelers have reported having their bags snatched, purse-straps cut, or the bottom of their purses slit without their knowledge. If traveling by train, lock your sleeping compartments and take your valuables with you when leaving your berth. If you travel by air, be careful with your bags in the arrival and departure areas outside airports. Be cautious about displaying cash or expensive items to reduce the chance of being a target for robbery or other crime, and be aware of your surroundings when you use ATMs. Scammers have used ATM card scams to clone credit card details and withdraw money.

Individuals have reported cases of sexual assault, including rape, against U.S. citizens traveling throughout India.

The U.S. government cautions citizens, especially women, not to travel alone in India. Please observe stringent security precautions. When traveling without known and trustworthy companions, use public transport specifically designated for “women-only” travelers, which is a free service offered by the Indian government in many metropolitan cities including Delhi and Hyderabad. Please restrict evening entertainment to well-known venues and avoid isolated areas when traveling alone at any time of the day. Keep your hotel room number confidential and make sure hotel room doors have chains, deadlocks, and peep holes. Travel with groups of friends rather than alone. In addition, only hire reliable cars and drivers and avoid traveling alone in hired taxis, especially at night. Use taxis from hotels and pre-paid taxis at airports rather than hailing them on the street. If you encounter threatening situations, call “100” for police assistance (“112” from mobile phones). If you use app-based services like “Uber” or “Ola” share your ride information with a friend.

Travelers in India are advised to respect local dress and customs. Indian women typically wear conservative everyday dress. This is the norm throughout the country, and even more so in rural areas. They wear clothing that covers their legs and shoulders. Exceptions are vacation resorts catering to foreign clientele and some neighborhoods of major cities like New Delhi and Mumbai. Western women, especially those of African descent, continue to report incidents of verbal and physical harassment by individuals and groups of men. Known locally as “Eve-teasing,” these incidents of sexual harassment can be quite frightening and quickly cross the line from verbal to physical. Sexual harassment can occur anytime or anywhere, but most frequently has happened in crowded areas such as in marketplaces, train stations, buses, and public streets. The harassment can range from sexually suggestive or lewd comments to catcalls to outright groping.

The Government of India has focused more on addressing gender-based violence. One outcome has been more reports of sexual assault nationwide. Indian authorities report rape is one of India's fastest growing crimes.

If you find yourself in a life-threatening situation, you should call the police immediately and follow up with a call to the nearest U.S. Embassy or Consulate. We can sometimes connect you with an Indian non-governmental organization that may be able to provide assistance.  

Please review our travel tips for  Women Travelers .

If you are victimized overseas, you may be entitled to receive compensation for counseling and/or other services such as relocation back to the United States. For further information, visit the U.S. Department of Justice page for violence against women.

Scams are common at major airports, train stations, popular restaurants, and tourist sites. Scam artists prey on visitors by creating distractions. Be careful of taxi drivers and others. This includes train porters. They solicit travelers with "come-on" offers of cheap transportation and/or hotels. Travelers who accept such offers are often the victims of scams. These include offers to help with "necessary" transfers to the domestic airport, overpriced hotel rooms, unwanted "tours," unwelcome "purchases," long cab rides, and even threats when the tourists decline to pay. Tourists have reported being lured and extorted for money in the face of threats of violence against the traveler and his/her family members. Be careful when hiring transportation and guides. Use only well-known travel agents to book trips.

Some vendors sell carpets, jewelry, and gemstones. These items may be expensive and not of the promised quality. Deal only with reputable businesses and do not hand over your credit cards or money unless you are certain that goods being shipped are the goods you purchased. If a deal sounds too good to be true, it is best avoided. Most Indian states have official tourism bureaus set up to handle complaints. Do not agree to transport any goods on behalf of strangers in exchange for money.

India-based criminals use the internet to extort money from victims abroad. In a common scam, the victim develops a close romantic relationship with an alleged U.S. citizen they meet online. When the “friend” travels to India, a series of accidents occur and the victim begins to receive requests for financial assistance, sometimes through an intermediary. In fact, the U.S. citizen “friend” does not exist; they are only online personas used by criminal networks. Victims have been defrauded of thousands of dollars in these schemes. Do not send money to anyone you have not met in person and carefully read the Department of State’s advice on   international financial scams . 

In another common scam, family members in the United States, especially older people, are asked for money. The scammers claim to be grandchildren or relatives who have been arrested or are without money to return home. Do not send money without contacting the U.S. Embassy or Consulate General to confirm the other party’s situation. You can also call our Office of Overseas Citizens Services at 888-407-4747 (from overseas: 202-501-4444). Review our information on  emergency assistance to Americans abroad.

U.S. citizens have had problems with business partners, usually involving property investments. You may wish to seek professional legal advice in reviewing any contracts for business or services offered in India. The U.S. Embassy and consulates cannot give legal advice. They also cannot help U.S. citizens with Indian courts on civil or criminal matters. A list of local attorneys is available on the Embassy and Consulates General  websites .

See the  Department of State  and the  FBI  pages for more information on scams.

Don’t buy counterfeit and pirated goods, even if they are widely available. Not only are the bootlegs illegal in the United States, if you purchase them you may also be breaking local law.

Victims of Crime:  U.S. citizen victims of sexual assault should first contact the local police, then inform the U.S. Embassy or local Consulate.

Report crimes to the local police by calling “100” or “112” from a mobile phone.  

Remember that local authorities are responsible for investigating and prosecuting the crime.

See our webpage on  help for U.S. victims of crime overseas .

• help you find appropriate medical care
• assist you in reporting a crime to the police
• contact relatives or friends with your written consent
• explain the local criminal justice process in general terms
• provide a list of local attorneys
• provide information on victims’ compensation programs in the U.S.
• provide an emergency loan for repatriation to the United States and/or limited medical support in cases of destitution
• help you find accommodation and arrange flights home
• replace a stolen or lost passport

You should ask for a copy of the police report, known as a “First Information Report” (FIR), from local police when you report an incident. Local authorities generally can't act without a police report. 

If your passport is stolen, report the theft or loss right away. Report it to the police in the place where your passport was stolen. You need an FIR to get an exit visa to leave India. The Indian government requires it if the lost passport had your Indian visa. Although the Embassy or Consulate General is able to replace a stolen or lost passport, the Ministry of Home Affairs and the Foreigners Regional Registration Office (FRRO) are responsible for approving an exit permit. This process usually takes three to four working days but can take longer.

In cases of sexual assault or rape, the Embassy or Consulates General can provide a list of local doctors and hospitals, if needed, to discuss treatment and prevention options for diseases and pregnancy. You should be aware that for evidence of an assault to be submitted in a court case, Indian authorities require that the medical exam be completed at a government hospital. Therefore, if a victim goes to a private hospital for treatment, the hospital will refer them to a government hospital for this aspect of the medical process. 

India has many resources for victims of rape and sexual assault. The specific toll-free Women’s Helpline Service number in Delhi is 1091; in Mumbai it is 103; in Kolkata, 1090; in Chennai, 1091 or 2345-2365; and in Hyderabad 1098.

The local equivalent to the “911” emergency line in India is “100.” An additional emergency number, “112,” can be accessed from mobile phones.

Please see our  information for victims of crime , including possible victim compensation programs in the United States. 

Domestic Violence: U.S. citizen victims of domestic violence may contact the Embassy or Consulates for assistance.

Tourism:  The tourism industry is unevenly regulated, and safety inspections for equipment and facilities do not commonly occur. Hazardous areas/activities are not always identified with appropriate signage, and staff may not be trained or certified either by the host government or by recognized authorities in the field. In the event of an injury, appropriate medical treatment is typically available only in/near major cities. First responders are generally unable to access areas outside of major cities and to provide urgent medical treatment. U.S. citizens are encouraged to purchase medical evacuation insurance. See our webpage for more  information on insurance providers for overseas coverage.

Local Laws & Special Circumstances

Criminal Penalties:  You are subject to local laws. You may face arrest, imprisonment, and/or deportation if you violate local laws, even unknowingly.  

Furthermore, some activities are crimes under U.S. law and can be prosecuted in the U.S. regardless of whether they are allowed under local law. For examples, see our website on  crimes against minors abroad  and the Department of Justice website.

If police or prison officials arrest or detain you, immediately ask them to notify the U.S. Embassy. See our  webpage  for further information.

Alcohol: Each of India’s states has its own rules for buying and drinking alcohol. Legal drinking ages range from 18 to 25 and can vary by beverage type. Some states permit alcohol use for medicinal purposes only while others require you to hold a permit to buy, transport, or consume alcohol. Penalties for violation can be harsh.

Several U.S. citizens at Indian airports have been arrested for attempting to smuggle illegal drugs from India. Many claim that they did not realize they were carrying narcotics. Never transport or mail packages that do not belong to you and maintain direct control of your luggage at all times.

Beef and Cow Hide:  Several states in India impose various types of prohibition on beef. In some rural areas, cow protection vigilantes have attacked people they suspected of selling or consuming beef, or possessing items made with cow hide.

SPECIAL CIRCUMSTANCES:

Dual Nationality:  India does not permit its citizens to hold dual nationality. In 2006, India launched the "Overseas Citizens of India" (OCI) program, which does not grant Indian citizenship but is similar to a U.S. "green card" in that you can travel to and from India indefinitely, work in India, study in India, and own property in India (except for certain agricultural and plantation properties). If you are a U.S. citizen and obtain an OCI card you will not become a citizen of India; you will remain a citizen of the United States. An OCI card holder does not receive an Indian passport, cannot vote in Indian elections, and is not eligible for Indian government employment.

U.S. citizens of Indian descent can apply for OCI cards at the Indian Embassy in Washington or at the Indian Consulates in Chicago, New York, San Francisco, Atlanta, and Houston. Inside India, U.S. citizens can apply at the nearest FRRO office (please see “Entry/Exit Requirements” section above for more information on the FRRO). U.S. citizens must use a U.S. passport when traveling in and out of the United States.

Faith-based travelers and those participating in religious activities should refer to the Department of State's Report on International Religious Freedom. Indian law mandates that individuals engaging in religious proselytizing obtain a "missionary" visa. Immigration authorities have determined that engaging in certain activities, such as speaking at religious meetings open to the general public, could violate immigration law if the traveler does not possess a missionary visa. Foreigners with tourist visas who engage in missionary activity are subject to deportation and possible criminal prosecution. The states of Odisha, Chhattisgarh, Gujarat, Himachal Pradesh, Madhya Pradesh, and Arunachal Pradesh have legislation that regulates or places restrictions on conversion from one religion to another. If you plan to engage in missionary activity, you may want to seek legal advice to find out if Indian law permits the activities you plan to pursue.

Tourists should also mind restrictions and observances when planning to visit any religious establishment. These include Hindu temples, mosques, churches, and other sacred places to the local population. Many individual temples and mosques do not permit non-members to enter all or parts of the facilities, and may require the removal of shoes, the covering of the head, or have other specific requirements for appropriate attire.  

Customs rules are strict. Before traveling to or from India, inspect all bags and clothes well. Make sure they do not contain banned items. Airport security officials have arrested or detained several U.S. citizens after discovering loose ammunition (including spent individual bullets and casings) or weapons in their luggage. If authorities find loose ammunition or bullets (including empty bullet shells used in souvenirs) on your person or in your bags, they will charge you with violating the Indian Arms Act, and may incarcerate or deport you from India.

Additionally, Indian authorities have arrested and prosecuted U.S. citizens for possessing satellite phones, which is strictly prohibited in India.

Indian customs authorities enforce strict regulations. They cover temporary importation into or export from India of items like antiquities, electronics, currency, ivory, gold objects, and other banned materials. You need permission from the Government of India to bring in restricted items, even if you are only transiting through India. If you do not comply with these regulations, you risk arrest or fine or both and confiscation of these items. If Indian law enforcement charges you with any legal violations, make sure to have an attorney review any document before signing it. The Government of India requires the registration of antique items with the local police along with a photograph of the item. It is advisable to contact the Embassy of India in Washington or one of India's consulates in the United States for specific information regarding customs requirements. More information is available from the Indian Central Board of Excise and Customs.  

Indian customs authorities encourage the use of an ATA (Admission Temporaire/Temporary Admission) Carnet for the temporary admission of professional equipment, commercial samples, and/or goods for exhibitions and fair purposes. ATA Carnet Headquarters, located at the  U.S. Council for International Business , 1212 Avenue of the Americas, New York, NY 10036, issues and guarantees the ATA Carnet in the United States. For additional information call (212) 354-4480, or  email USCIB  for details. Please see our section on  Customs Information  for more information.

Natural Disaster Threats:  Parts of northern India are highly susceptible to earthquakes. Regions of highest risk, ranked 5 on a scale of 1 to 5, include areas around Srinagar, Himachal Pradesh, Rishikesh and Dehradun, the northern parts of Punjab, northwest Gujarat, northern Bihar, and the entire northeast. Ranked 4 (high damage risk) is an area that sweeps along the north through Jammu and Kashmir, Eastern Punjab, Haryana, Northern Uttar Pradesh, central Bihar and the northern parts of West Bengal. New Delhi is located in zone 4. Severe flooding is common in hilly and mountainous areas throughout India. Flooding in 2013 in Uttarakhand, Himachal Pradesh, Tamil Nadu and other areas left thousands of people presumed dead and temporarily stranded dozens of U.S. citizens.

Typhoons/cyclones and subsequent flooding are common along the Indian coasts, in particular the Eastern coastal states of Tamil Nadu, Andhra Pradesh, Odisha and West Bengal, and have at times resulted in massive loss of life. Tourists and residents in areas prone to these events should remain vigilant during severe weather, monitor local media for latest developments, and heed all municipal warnings. Residents in these areas should have contingency plans for loss of power and unavailability of goods and services, including supplies for multiple days after a severe weather event.

Accessibility:  Individuals with disabilities may find accessibility and accommodation in India very different than what you find in the United States. Despite legislation that all public buildings and transport be accessible for disabled people, accessibility remains limited. One notable exception is the Delhi metro system, designed to be accessible to those with physical disabilities.

Students:  See our  Students Abroad  page and  FBI travel tips.

LGBTQI+ Travelers: The Supreme Court of India decriminalized same-sex relationships in 2018. Since then, state and union governments have been directed to develop reforms that protect the rights of lesbian, gay, bisexual, transgender, queer, and intersex (LGBTQI+) persons, including efforts to provide gender neutral bathrooms at schools and colleges and separate housing for gender-nonconforming and transgender persons in prison.

Although Indian law prohibits discrimination by state and nonstate actors based on sexual orientation, gender identity or expression, or sex characteristics, the government is inconsistent in implementing and enforcing these laws, and reports of widespread discrimination, harassment, threats, and violence against LGBTQI+ persons, particularly in rural areas or by local police, persist. See our LGBTQI+ Travel Information page and section 6 of our  Human Rights  report for further details.

For emergency services in India, dial 112 from a cell phone; from a land line, dial 100 for police, 102 for ambulance (108 in parts of South India), and 101 for fire.

Ambulances are not equipped with state-of-the-art medical equipment, and traffic does not yield to emergency vehicles. Injured or seriously ill travelers may prefer to take a taxi or private vehicle to the nearest major hospital rather than wait for an ambulance. Most hospitals require advance payment or confirmation of insurance prior to treatment. Payment practices vary, and credit cards are not routinely accepted for medical care.

Zika, dengue, malaria, measles, and other diseases are present in India. See the Center for Disease Control’s website for more information.

The quality of medical care in India varies considerably. Medical care in the major population centers approaches and occasionally meets Western standards, but adequate medical care is usually very limited or unavailable in rural areas.

We do not pay medical bills.  Be aware that U.S. Medicare does not apply overseas. 

Make sure your health insurance covers care overseas. Most care providers overseas only accept cash payments. See our webpage for more information on insurance providers for overseas coverage. Visit the U.S. Centers for Disease Control and Prevention for more information on type of insurance you should consider before you travel overseas.We strongly recommend  supplemental insurance  to cover medical evacuation.

If traveling with prescription medication, check with the government of India to ensure the medication is legal in India. Always carry your prescription medication in original packaging with your doctor’s prescription. 

Pharmaceuticals: Exercise caution when purchasing medication overseas. Pharmaceuticals, both over the counter and requiring prescription in the United States, are often readily available for purchase with limited controls. Counterfeit medication is common and may prove to be ineffective, the wrong strength, or contain dangerous ingredients. When buying medication, consult with a medical professional and purchase from reputable establishments. Please visit the U.S. Center for Disease Control and Prevention website on counterfeit drugs for more information.

Water Quality: Water is a common vehicle for the transmission of disease. Impure drinking water can transmit serious diseases such as typhoid, cholera, hepatitis, and dysentery. You can make water safe for drinking by filtering/boiling, distilling, or using chemicals. Bottled water is generally safe for consumption. It is best to stick to the major brands. The water bottle seal or cap should be intact.

Vaccinations:  Be up-to-date on all vaccinations recommended by the U.S. Centers for Disease Control and Prevention.

If you are arriving in India from Sub-Saharan Africa or other areas with yellow-fever risk, Indian health regulations require that you present evidence of vaccination against yellow fever. If you lack such proof, authorities may immediately deport you or detain you in the yellow-fever quarantine center for six days. If you travel through any part of sub-Saharan Africa, even for one day, health authorities advise you to carry proof of yellow fever immunization.

Dogs and bats create a high risk of rabies transmission in most of India. Health authorities recommend vaccination for all prolonged stays, especially for young children and travelers in rural areas. It is also recommended for shorter stays that involve occupational exposure, locations more than 24 hours from a reliable source of human rabies immune globulin and rabies vaccine for post-exposure treatment, adventure travelers, hikers, cave explorers, and backpackers. Monkeys also can transmit rabies and herpes B, among other diseases, to human victims. Avoid feeding monkeys. If bitten, you should immediately soak and scrub the bite for at least 15 minutes and seek urgent medical attention.

Influenza transmission occurs from November to April in areas north of the Tropic of Cancer (north India) and from June through November (the rainy season) in areas south of the Tropic of Cancer (south India), with a smaller peak from February through April; off-season transmission can also occur. All travelers are at risk. During the flu season, health authorities recommend that all travelers get the influenza vaccine.

Outbreaks of avian influenza (H5N1 virus) occur intermittently in eastern India, including West Bengal, Manipur, Sikkim, Andhra Pradesh, Telangana, and Assam.

Malaria risk depends on time of year and area the traveler is visiting. Please consult the  CDC website for India for more information. Dengue fever presents significant risk in urban and rural areas. Health officials report the highest number of cases from July to December, with cases peaking from September to October. The CDC recommends taking daytime insect precautions, such as wearing long-sleeved shirts and mosquito repellent.

Tuberculosis is an increasingly serious health concern in India. Please visit the CDC website or more information.

Further health information:

• World Health Organization
• U.S. Centers for Disease Control and Prevention (CDC)

Air pollution is a significant problem in several major cities in India, and you should consult your doctor prior to travel and consider the impact seasonal smog and heavy particulate pollution may have on you. The air quality in India varies considerably and fluctuates with the seasons. It is typically at its worst in the winter. Anyone who travels where pollution levels are high is at risk. People at the greatest risk from particle pollution exposure include: 

• Infants, children, and teens 
• People over 65 years of age 
• People with lung disease such as asthma and chronic obstructive pulmonary disease (COPD), which includes chronic bronchitis and emphysema 
• People with heart disease or diabetes 
• People who work or are active outdoors 

Current air quality data can be found on the  Department of State’s air quality page . The data on this site are updated hourly. 

Rh-negative blood may be difficult to obtain as it is not common in Asia. 

Medical Tourism:  Medical tourism is a rapidly growing industry. Companies offering vacation packages bundled with medical consultations and financing options provide direct-to-consumer advertising over the internet. Such medical packages often claim to provide high quality care, but the quality of health care in India is highly variable. People seeking health care in India should understand that medical systems operate differently from those in the United States and are not subject to the same rules and regulations.  

Anyone interested in traveling for medical purposes should consult with their local physician before traveling and  refer to the information from the CDC . Persons traveling to India for medical purposes require the proper “medical” visa. Please check with the nearest Indian embassy or consulate for more information. 

Despite reports of antibiotic-resistant bacteria in hospitals, in general travelers should not delay or avoid treatment for urgent or emergent medical situations. However, health tourists and other travelers who may be contemplating elective procedures in this country should carefully research individual hospital infection control practices. 

Surrogacy:  Commercial surrogacy is illegal for foreigners in India, subject to complex local regulation. For additional information,  visit the Government of India’s official information on foreigner surrogacy .  

The U.S. Embassy and Consulates General in India maintain lists of local doctors and hospitals, all of which are published on their respective websites under "U.S. Citizen Services." We cannot endorse or recommend any specific medical provider or clinic. 

Travel and Transportation

Road Conditions and Safety:  Travel by road in India is dangerous. India leads the world in traffic-related deaths and a number of U.S. citizens have suffered fatal traffic accidents in recent years. You should exercise extreme caution when crossing streets, even in marked pedestrian areas, and try to use only cars that have seatbelts. Seatbelts are not common in three-wheel taxis (autos) and in back seats of taxis and rideshare vehicles. Helmets should always be worn on motorcycles and bicycles. Travel at night is particularly hazardous. 

On Indian roads, the safest driving policy is always to assume that other drivers will not respond to a traffic situation in the same way you would in the United States, including the use of driving lanes. Buses and trucks often run red lights and merge directly into traffic at yield points and traffic circles. Cars, autos, bicycles, and pedestrians behave only slightly more cautiously. Use your horn or flash your headlights frequently to announce your presence. It is both customary and wise. 

Inside and outside major cities, roads are often poorly maintained and congested. Even main roads frequently have only two lanes, with poor visibility and inadequate warning markers. On the few divided highways one can expect to meet local transportation traveling in the wrong direction, often without lights. Heavy traffic is the norm and includes (but is not limited to) overloaded trucks and buses, scooters, pedestrians, bullock and camel carts, horse or elephant riders en route to weddings, bicycles, and free-roaming livestock. 

Public Transportation:  Buses, patronized by hundreds of millions of Indians, are convenient in that they serve almost every city of any size. However, in some areas, they are often driven fast, recklessly, and without consideration for the rules of the road. Accidents are common. 

Traffic Laws:  Traffic in India moves on the left. It is important to be alert while crossing streets and intersections, especially after dark as traffic is coming in the "wrong" direction. Travelers should remember to use seatbelts in both rear and front seats where available, and to ask their drivers to maintain a safe speed. 

In order to drive in India, you must have either a valid Indian driver’s license or a valid international driver’s license. Because of difficult road and traffic conditions, you may wish to consider hiring a local driver. Your U.S. driver’s license will not work. 

If a driver hits a pedestrian or a cow, the vehicle and its occupants are at risk of being attacked by passersby. Such attacks pose significant risk of injury or death to the vehicle's occupants or risk of incineration of the vehicle. It could be unsafe to remain at the scene of an accident of this nature, and drivers may instead wish to seek out the nearest police station.      Protestors often use road blockage as a means of publicizing their grievances, causing severe inconvenience to travelers. Visitors should monitor local news reports for any reports of road disturbances. 

Please refer to our  Road Safety  page for more information. 

Emergency Numbers:  The following emergency numbers work in New Delhi, Mumbai, Chennai, Hyderabad, and Kolkata: 

• National Emergency 112 
• Police 100 
• Fire Brigade 101 
• Ambulance 102 

AVIATION SAFETY OVERSIGHT:  The U.S. Federal Aviation Administration (FAA) has assessed the Government of India’s Civil Aviation Authority as being in compliance with International Civil Aviation Organization (ICAO) aviation safety standards for oversight of India’s air carrier operations. Further information may be found on the FAA’s Safety Management page . Travelers are urged to use caution while booking private helicopters for travel, especially in the northeast.

For additional travel information

• Enroll in the  Smart Traveler Enrollment Program (STEP)  to receive security messages and make it easier to locate you in an emergency.
• Call us in Washington, D.C. at 1-888-407-4747 (toll-free in the United States and Canada) or 1-202-501-4444 (from all other countries) from 8:00 a.m. to 8:00 p.m., Eastern Standard Time, Monday through Friday (except U.S. federal holidays).
• See the  State Department’s travel website  for the  Worldwide Caution  and  Travel Advisories .
• Follow us on X (formerly known as "Twitter") and Facebook .
• See  traveling safely abroad  for useful travel tips.

India was cited in the State Department’s 2023 Annual Report to Congress on International Child Abduction for demonstrating a pattern of non-compliance with respect to international parental child abduction. Review information about International Parental Child Abduction in  India . For additional IPCA-related information, please see the  International Child Abduction Prevention and Return Act ( ICAPRA )  report.

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• *Issuance charge for Gift card waived up to 31.03.2018, However image based gift cards issued through INB are chargeable @ Rs 105+GST.
• Dear Customer, To improve security login facility has been changed and your earlier card-number based User ID is no longer valid. Kindly generate User ID of your choice by using 'Register now' facility to avail online Prepaid Card services of SBI.
• Please contact your branch to get your PAN no. updated for your prepaid cards to continue loading/top-up of prepaid cards.
• & **Nil load/reload charges are applicable through CINB/INB.

Dear Customer, Please go through this advisory to use your Prepaid Card in a secured manner.

• State Bank Foreign Travel Card (SBFTC) can now be reloaded through Personal Internet banking site https://onlinesbi.com using navigation>> Login on net banking site and go to e-Services>> e-Cards.
• EZ-PAY/IMPREST/SMART PAYOUT/XPRESS MONEY CARDS are enabled for cash withdrawls from NON SBI ATMs Charges Rs.20/- for each cash withdrawls and
• Rs 9/- for Balance enquiry
• Gift Card Issuance Charges waived till 31.03.2018

Achiever Card

An ideal corporate product for making periodical payments of non-cash nature like incentives etc. to thier employees

Foreign Travel Card

The Smartest Way Of Carrying Money Abroad

Gift Unlimited Choices to Your Loved Ones

An ideal corporate product for making periodical payments of non-cash nature like incentives etc,to their employees

• PRODUCT DETAILS
• Personalised cards
• Documentation

Currency of Issue

Maximum amount of load.

Rs. 2,00,000/-

Validity of the Card

Minimum amount of issue/load.

Rs. 100/- and thereafter in multiples of Re. 1/-

Eligibility Criteria

To Corporates for giving incentives to their employees/agents etc

Re-loadable; however the balance in the Card should not exceed Rs. 2,00,000/- at any point of time.

Daily Usage

i) Usable at Point of Sale terminal at Merchant Locations in India and for e-commerce (i.e. for on line transactions).

ii) No cash withdrawal at ATMs.

Maximum number of Cards /Account

One card per employee , but in case of state bank staff no such limitiation is there

Operatable by 4 digit PIN at ATMs and by PIN/Signature at Merchant Establishments.

Daily Transaction Limit

No cash withdrawal at ATMs. Maximum up to balance in the card for PoS and E-comm. transactions

For Topup through RINB

Reloadable at Branch and through INB

Balance enquiry

Free at SBI ATMs or online at https://prepaid.sbi and at a charge of Rs 9/- at other bank ATMs.

State Bank Smart Payout Card is a prepaid Card issued in Indian Rupees in association with VISA. It is an ideal product for making periodical payments like salary, wages, commission, etc and also can be issued as an add-on Card for the existing account holders.

Rs. 100/- and thereafter in multiples of Re. 1

i) FOR CORPORATES: Employees/Workers/Contract labourers' of Corporate/MCG/SME customers etc.

ii) FOR INDIVIDUALS: To all KYC compliant primary account holders for ultimate use by beneficiaries (dependents).

Maximum load at any point of time cannot exceed Rs.10000/-.Re-loadable with a load/reload limit of Rs. 10,000/- with monthly ceiling of Rs.25, 000/- ( Maximum limit up to Rs.10000/- per transaction and Rs.25000/- per month)

i) At Point of Sale (POS) in Merchant Establishments

ii) At any merchant site accepting VISA Cards for e-Commerce txns

i) For Individuals: Maximum 3 Cards per account for fully KYC complied account.(excluding current account)

ii) For Corporate: No limit(subject to one card per person)

ii) FOR CORPORATES: The Cards .will be loaded/ reloaded only by debit to the accounts, maintained by such Corporate with the Bank.

Maximum up to the balance in the card.

Presenting Gifts to your loved ones during festive season or on special occasions is an integral and unique culture in India. Traditionally, gifts have been given in the form of cash or kind.

Rs 10,000/-

Non reloadable Card

Rs. 500/- and in multiples of Rs. 1/- thereafter.

Any State Bank customer. The following documents required for purchasing a Gift Card:- i) Application containing beneficiaries and other details.

The card expires when balance is exhausted or at the end of 3 year whichever occurs first, expiry date is written on the card.

i) Usable at Point of Sale terminal at Merchant Locations in India and for e-commerce (i.e. for on line transactions). ii) No cash withdrawal at ATMs.

A user can request up to 10 gift cards in a month for an account and at any point of time maximum 10 cards can be active.

The gift card can be topped up for only once at Branch or through INB

State Bank Foreign Travel Card is a prepaid Foreign Currency Card which travellers going abroad are guaranteed to find useful. It is a Chip based Card which stores encrypted and confidential information. It offers you a convenient and secure way to carry cash anywhere in the world (valid worldwide except in India, Nepal and Bhutan).

3 cards / account(including two top up cards)

As prescribed by the RBI/FEMA from time to time for the purpose of the visit abroad

USD 200/ GBP 120/ Euros 150/ CAD 200/ AUD 200 / JPY 15,800 / SAR 750 / SGD 250 / AED 750.

Withdrawals are subject to the daily transaction limits set by the ATM acquirer banks and depending on the note dispensing capacity of the machine. This may also vary during peak tourist season.

This service is presently available.

Maximum daily limit of transactions:. ATM :US$ 3000 or equivalent POS:US$ 5000 or equivalent ECOM:US$ 5000 or equivalent

SBFTC is available in nine Foreign Currencies viz. US Dollars (USD), Pound Sterling (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Japanese Yen (JPY), Saudi Riyal (SAR), Singapore Dollar (SGD) and United Arab Emirates Dirham (AED).

1. Any bonafide citizen of India who plans to travel abroad (except to Nepal & Bhutan) Corporate who sends their employees abroad for official purpose subject to completion of KYC norms 2. Parents /sponsors of the students going abroad for higher studies, in the student’s name and can be subsequently reloaded up to the statutory ceiling prescribed from time to time. 3. Foreign national residing in India subject to completion of KYC norms.

if the money loaded on the card gets exhausted during your stay abroad or for your next trip abroad. You can recharge the card at the state bank of India branch from where the you had purchased the card or any branch authorized (list available at: https://prepaid.sbi ) to issue foreign travel card (SBFTC) through the authorized representative.

State bank ATMs or online at https://prepaid.sbi

The State Bank eZ-Pay card, a prepaid card issued in Indian Rupees in association with VISA international, is an ideal product for making periodical payments like Salary, Wages, Commission, Scholarship, Old age pension, other Social benefits etc. Payment of salaries to employees, who are located at different places, is generally a difficult proposition for employers as a single banking arrangement cannot be made for all employees.

Rs 2,00,000/- (Maximum Amount that can be loaded by paying Cash is limited to Rs.50,000/- per month)

One card per beneficiary

Minimum reload Rs.100 per reload

No Maximum stipulation but at any point of time card balance should not exceed Rs. 2,00,000/-

i) Cash withdrawal at any SBI ATMs (free of charge) and at charge of Rs 20/- at other Bank’s ATM..

ii) At Point of Sale (PoS) in Merchant Establishments and for e-Com transaction

i) Minimum Cash withdrawal from State Bank ATMs - Rs.100 per withdrawal

ii) Maximum Cash withdrawal from State Bank ATMs Rs.40,000 per day. Point of Sales and e- comm Transactions- maximium up to the balance available in the card..

i) Application

ii) Proof of Identity such as passport,

iii) Proof of Residence such as

Pass port, driving license etc. . Form -J in case of corporate

iv) Note that you need not be an SBI account holder for purchasing State Bank eZ-Pay card.

i) The eZ Pay Card is a re-loadable card and can be re-loaded any number of times. Periodical allowances like TA, Conveyance, Bonus and reimbursement of miscellaneous expenses which are regular in nature, can also be credited into these Cards

Variant of eZ Pay Card being issued as co-branded card with railways for their imprest needs.

Rs. 2,00,000/- (Maximum Amount that can be loaded by paying Cash is limited to Rs.50,000/- per month)

Railway employees

i) Minimum reload Rs.100 per load there after multiple of Rs 1/-

ii) No Maximum stipulation but at any point of time card balance should not exceed Rs. 2,00,000/-

i) Minimum reload Rs.100 per reload

i) Cash withdrawal at any SBI ATMs (free of charge) and at charge of Rs 20/- at other Bank’s ATM.

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Travel to India on PIO Card: Options, Requirements, and FAQs Explained

Yes, you can travel to India on a PIO card. PIO card holders are allowed entry into India. Note, PIO and OCI card holders must renew their OCI cards after turning 20 and getting a new passport. Ensure your documents are up-to-date before traveling.

Traveling to India on a PIO (Person of Indian Origin) card comes with specific options and requirements. A PIO card allows visa-free entry into India for the cardholder, facilitating extended visits for personal, business, or educational purposes. The Indian government discontinued issuing new PIO cards in 2015 and merged them with the OCI (Overseas Citizen of India) card. However, existing PIO cards remain valid until December 31, 2023, after which they need to be converted to OCI cards.

To travel using a PIO card, ensure it is accompanied by a valid foreign passport. The card grants entry into India for up to 15 years from the issue date. It also allows the holder to enjoy various benefits such as exemption from registration with local police authorities for stays up to 180 days.

For those looking to convert their PIO cards to OCI, specific documents are required: proof of current citizenship, the original PIO card, and relevant application forms. This process can be done online or through Indian consulates.

Understanding the nuances between PIO and OCI cards is crucial for seamless travel. Next, we will explore how to apply for an OCI card, the benefits it offers, and how it improves travel experiences.

Can You Travel to India With a PIO Card?

Yes, you can travel to India with a PIO card. A Person of Indian Origin (PIO) card allows holders to enter, reside, and exit India freely.

The PIO card works as a long-term visa for individuals of Indian ancestry. It grants multiple entry and exit privileges. However, the Government of India has phased out the PIO card in favor of the Overseas Citizen of India (OCI) card. Therefore, current travelers should verify their card’s validity and the latest regulations regarding entry into India to avoid any issues.

What Are the Eligibility Criteria for Holding a PIO Card?

The eligibility criteria for holding a Person of Indian Origin (PIO) card typically require individuals to demonstrate specific connections to India.

• Direct descent from Indian ancestors (at least one grandparent must be of Indian origin).
• Citizenship in a country outside of India.
• Not being a citizen of Pakistan or Bangladesh.
• Possessing a valid passport from the foreign country.
• Meeting any additional requirements as specified by the Government of India.

The above criteria set a framework for understanding who qualifies for a PIO card. However, alternate perspectives on eligibility exist. Some argue that the restrictions related to citizenship of Pakistan and Bangladesh may be overly limiting. Others point out that individuals with Indian roots living in countries with unclear ancestry documentation might struggle to meet the requirements.

Direct descent from Indian ancestors : Direct descent from Indian ancestors is a primary requirement for obtaining a PIO card. Individuals must have at least one grandparent who is recognized as being of Indian origin. This reflects the importance of familial ties in establishing eligibility for the card. The Indian government aims to strengthen cultural and historical connections with those of Indian heritage.

Citizenship in a country outside of India : Citizenship in a country outside of India is necessary for PIO card eligibility. The applicant must hold a valid foreign citizenship, which allows the Indian government to classify them accordingly. Individuals from countries other than India can apply for a PIO card, promoting global diaspora engagement.

Not being a citizen of Pakistan or Bangladesh : Not being a citizen of Pakistan or Bangladesh is another important criterion. The Indian government restricts PIO card issuance to individuals from these nations due to historical and geopolitical tensions. This policy serves to safeguard national interests while promoting overseas Indian communities from various other regions.

Possessing a valid passport from the foreign country : Possessing a valid passport from the foreign country is essential for PIO card application. The passport serves as proof of identity and citizenship, allowing the Indian government to verify eligibility. As international travel and identity verification become increasingly critical, this requirement safeguards the integrity of the PIO card system.

Meeting additional requirements specified by the Government of India : Meeting additional requirements may include background checks or documentation verification. The Indian government reserves the right to specify these terms, ensuring that applicants adhere to the established norms. This may entail submitting various documents such as proof of ancestry or residence, further refining the eligibility framework.

Understanding these criteria helps individuals assess their eligibility for a PIO card while considering the broader implications of heritage and nationality.

What Documents Do You Need to Travel to India on a PIO Card?

To travel to India on a Person of Indian Origin (PIO) card, you need several important documents.

Here are the required documents for traveling to India on a PIO card: 1. Valid PIO card 2. Valid passport 3. Visa (if required) 4. Proof of residency 5. Return ticket

Transitioning from this brief list, it is essential to understand the significance and role of each document in ensuring smooth travel and entry into India.

Valid PIO Card : A valid PIO card is a crucial document that certifies your status as a person of Indian origin. This card allows you multiple-entry privileges and grant you the right to reside in India. It is important to ensure that your PIO card is not expired. As of 2015, the PIO card has been merged with the Overseas Citizen of India (OCI) card scheme. However, those who still hold valid PIO cards can use them for their travel.

Valid Passport : A valid passport is necessary for international travel. Your passport must remain valid for the duration of your stay in India. It serves as proof of identity and nationality. Ensure your passport does not have any damages or marks that might lead to complications during immigration.

Visa (if required) : Depending on your nationality, a visa may still be required, even with a PIO card. Citizens of some countries must present a visa to gain entry into India. Verify your visa requirements through the Indian consulate or embassy in your home country.

Proof of Residency : Proof of residency may be needed to establish your current living situation. Examples include utility bills, bank statements, or lease agreements. This documentation helps authorities verify your current address if necessary.

Return Ticket : A return ticket is generally required to demonstrate your intention to leave India upon the completion of your visit. It is advisable to have this ticket ready, as it may be requested during check-in or upon arrival in India.

In summary, ensure you have all the essential documents before traveling to India on a PIO card. Proper preparation simplifies the travel process and reduces the likelihood of issues at customs or immigration.

Are There Any Travel Restrictions for PIO Cardholders?

Yes, there are specific travel restrictions for Person of Indian Origin (PIO) cardholders. These restrictions vary based on circumstances such as the individual’s country of residence and the current regulations in India. PIO cardholders should stay informed about visa regulations and entry requirements.

When comparing the PIO card to other types of visas, such as the Overseas Citizen of India (OCI) card, there are notable distinctions. The PIO card allows for continuous stay in India without the need for a visa. However, it has been merged with OCI, which offers greater benefits such as easier travel between India and foreign countries. For instance, OCI holders can apply for an extension of stay, whereas PIO cardholders must renew their cards periodically.

The benefits of the PIO card include the ability to travel to India without a visa, which simplifies travel plans. PIO cardholders can enjoy various privileges such as purchasing property and creating bank accounts in India. According to the Ministry of External Affairs, approximately 1.3 million PIO cards have been issued to facilitate stronger ties with Indian expatriates and their descendants.

On the downside, PIO cardholders face travel restrictions during certain global crises, such as pandemics or geopolitical tensions. For example, during the COVID-19 pandemic, travel bans and quarantine requirements affected many travelers. Experts emphasize that PIO cardholders need to stay updated with governmental travel advisories, as restrictions can change rapidly based on the situation.

For PIO cardholders, it is recommended to regularly check the Indian consulate or embassy website for updates on travel regulations. Additionally, individuals should consider obtaining an OCI card if they frequently travel to India, as it provides broader benefits and stability amid changing travel regulations. Staying informed and prepared can help avoid unexpected travel issues.

Can You Extend Your Stay in India as a PIO Cardholder?

Yes, you can extend your stay in India as a PIO cardholder. However, this extension is subject to specific conditions.

The reason for the possible extension is to accommodate various personal circumstances. PIO cardholders may wish to remain in India longer for reasons such as family events, business opportunities, or health-related issues. The Government of India allows extensions, provided the individual adheres to the stipulated regulations. Extensions are typically granted after submitting a formal application, along with the necessary documentation to support the request. This ensures compliance with Indian immigration policies.

What Are the Specific Benefits of Using a PIO Card for Travel?

The specific benefits of using a PIO (Person of Indian Origin) card for travel include easier entry into India, extended stay duration, and access to various services.

• Simplified visa process
• Multiple entry validity
• Permanent residency-like benefits
• Convenient banking services
• Education benefits in India
• Health services access

These benefits highlight both the practical advantages and potential challenges associated with a PIO card. While many appreciate these advantages, some express concerns about the regulatory aspects and the need for periodic renewals.

Simplified Visa Process: The benefit of a simplified visa process clarifies travel requirements for PIO cardholders. A PIO card grants visa-free entry into India. Cardholders do not need a separate visa application. This ease of access is beneficial for frequent travelers and business professionals who travel often to India for work.

Multiple Entry Validity: The attribute of multiple entry validity allows cardholders to visit India without restrictions. The PIO card is valid for lifelong entries. Cardholders can enter and exit India as needed, making it advantageous for family visits or business commitments. This feature eliminates the stress of renewing visas frequently.

Permanent Residency-like Benefits: The characteristic of permanent residency-like benefits enables PIO cardholders to stay in India for an extended time. They can live in India for as long as desired, similar to residents. Cardholders can stay in India for up to 180 days without needing to register with authorities. This fosters deeper cultural and familial ties for expatriates.

Convenient Banking Services: The attribute of convenient banking services makes financial transactions easier for PIO cardholders. PIO cardholders can open bank accounts in India, which simplifies managing funds. Access to local banking allows easier processing of transactions and remittances, essential for business operations.

Education Benefits in India: The benefit of education access provides opportunities for PIO cardholders’ children. PIO status often allows children to enroll in Indian educational institutions without paying higher fees typically charged to foreign students. This feature makes quality education more accessible for families.

Health Services Access: The attribute of health services access is vital for PIO cardholders. PIO cardholders can avail themselves of health services in India, including public health facilities. This benefit is significant for expatriates needing medical care during their stay.

In conclusion, the PIO card offers numerous benefits that facilitate travel and residence in India. The advantages include simplified travel, multiple-entry validity, and improved access to education and healthcare. These elements combine to enhance the experience for PIO cardholders visiting India.

How Does a PIO Card Compare to OCI Cards or Other Travel Permits?

A PIO (Person of Indian Origin) Card offers certain benefits for individuals of Indian descent, but it has been largely superseded by the OCI (Overseas Citizen of India) Card. The PIO card is specifically for individuals who can trace their ancestry back to India. It allows for multiple entries and long-term stays in India. In contrast, the OCI card provides broader privileges, including rights similar to those of Indian citizens, such as the ability to own property and work in India.

Other travel permits, like tourist visas, are temporary and typically allow for shorter stays. Tourist visas require renewal or reapplication for extended stays, while the PIO and OCI cards do not. Additionally, the PIO card was phased out by the Indian government in favor of the OCI card, which offers enhanced benefits and a more straightforward application process.

In summary, while both PIO and OCI cards serve the needs of individuals with ties to India, the OCI card is the more favorable option due to its extensive benefits and increased recognition by the Indian government.

What Recent Changes Should PIO Cardholders Be Aware of Before Traveling to India?

PIO cardholders should be aware of the recent changes in visa regulations before traveling to India.

• Conversion of PIO Cards:
• Visa Validity Update:
• Entry and Exit Points:
• Overseas Citizen of India (OCI) Card Benefits:
• Health and Safety Requirements:

These changes may influence how PIO cardholders plan their travel and stay in India.

• Conversion of PIO Cards: The conversion of PIO cards into OCI cards is a significant recent change. The Government of India announced that existing PIO cardholders must convert their cards to OCI cards. This conversion provides cardholders with lifelong visa status and various rights in India. It simplifies travel and residency requirements for PIOs.

As of January 2020, the Indian government ceased issuing new PIO cards and mandated that holders transition to OCI cards. This transition increases the rights and privileges associated with the OCI card. PIO cardholders should initiate this conversion process before traveling to avoid complications.

• Visa Validity Update: Visa validity for OCI cardholders has been recently extended. Government notifications state that OCI holders now have a lifelong visa status. This change reflects an effort to streamline travel for foreign nationals of Indian origin and enhances the ability to visit India without needing to renew visas frequently.

According to the Ministry of Home Affairs, OCI cardholders can enjoy multiple entries, stay for any length, and engage in activities like business, study, or employment without restrictions attached to regular visas.

• Entry and Exit Points: Recent changes have also expanded the designated entry and exit points for travelers. PIO cardholders can now use multiple airports and ports for arrival in India. The government increased these points to facilitate more accessible travel options.

This change aims to improve the travel experience for PIO cardholders, allowing them to bypass crowded entry points. Travelers should check updated lists of authorized entry and exit visa points before traveling.

• Overseas Citizen of India (OCI) Card Benefits: Recent updates emphasize the benefits of the OCI card. OCI cardholders now enjoy additional rights in India, including property ownership and employment opportunities. The recent changes aim to empower Indian expatriates and strengthen ties with the diaspora.

The OCI card grants cardholders near-equal privileges as Indian citizens in sectors like investment, education, and property rights, enhancing long-term residency options.

• Health and Safety Requirements: Current health and safety protocols necessitate that PIO cardholders stay updated on travel advisories, especially during health crises like the COVID-19 pandemic. Recent regulations include necessary vaccinations, testing, or quarantine measures depending on the traveler’s country of origin.

Travelers are urged to check the latest guidelines from the Ministry of Health and Family Welfare before traveling. Adhering to these requirements will ensure a smoother experience upon arrival in India.

Is Your PIO Card Still Valid for Travel?

Yes, your Person of Indian Origin (PIO) card is still valid for travel to India, but only under certain conditions. As of 2023, the Government of India has merged the PIO card scheme with the Overseas Citizen of India (OCI) card scheme. Individuals who hold a valid PIO card can still travel to India until their card’s expiration date but are encouraged to convert their cards to an OCI card for continued benefits.

The PIO card and OCI card provide similar benefits to individuals of Indian origin living abroad. Both cards allow for multiple entries into India and exemption from registration for stays up to 180 days. However, the OCI card offers additional advantages such as the right to own property in India and the ability to apply for Indian citizenship under certain conditions. The OCI card is more widely recognized and accepted in India compared to the PIO card, which is being phased out.

The benefits of holding a PIO card include the freedom of movement to and from India without needing a visa for short visits. PIO cardholders enjoy privileges like staying in India for extended durations without frequent visa renewals. Statistics show that approximately 2 million people held PIO cards before the conversion to OCI, illustrating a significant population of individuals benefiting from this status.

On the downside, the PIO card has an expiration date, and there may be complications for cardholders who fail to transition to an OCI card. Additionally, the phase-out of the PIO card has created confusion among travelers in understanding their current status and the ramifications of card conversion. It’s essential to stay updated on the latest regulations to prevent any travel disruptions.

Individuals who hold a PIO card should consider applying for an OCI card as soon as possible to avoid travel issues. Travelers should verify the validity of their PIO card and plan to convert it before its expiration. It is also advisable to check for any changes in entry requirements or travel advisories from the Indian government prior to traveling.

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Auto, taxi unions begin two-day strike in Delhi against app-based aggregators

The taxi union members said they have written to both the central and state governments to ban app-based aggregators and fulfill their other demands – including an employee state insurance card.

Auto-rickshaw and taxi unions in Delhi declared a two-day strike against app-based aggregators Thursday, leading to travel disruptions for several commuters across Delhi-NCR.

Kishan Verma, president of the Delhi Auto Taxi Congress Cell, said app-based aggregators have snatched their opportunities and earnings.

Demanding that these apps be banned, he said: “The key aim behind this chakka jam is to save our jobs and livelihoods from app-based corporate aggregators; they are snatching our earnings with their illegal business network… These apps are illegally carrying passengers on (private) motorcycles and scooters… in Delhi-NCR through the apps.”

The taxi union members said they have written to both the central and state governments to ban app-based aggregators and fulfill their other demands – including an Employee State Insurance card, and accident and life insurance with a financial compensation of Rs 25 lakh for all types of commercial and passenger vehicles.

It also demanded a Delhi government-based mobile app for drivers and passengers for women’s safety, relaxation of toll tax for taxis, and a permanent auto and taxi stand in Delhi.

They also demanded changes in the auto-taxi permit rules and the formation of a national driver commission.

“App-based cabs charge extra money from drivers. For instance, they charge Rs 20/km from passengers but give only Rs 8-9 per km to drivers… These days, CNG prices have increased… people also prefer to book autos and taxis through apps than avail our services…,” said a driver.

Verma said about 15 unions have joined their strike and about 80% of auto-rickshaw and taxi drivers were off duty on the first day. The rest will join the strike Friday, he added.

Commuters, meanwhile, faced issues in reaching their offices and complained of a surge in prices on apps.

Anupriya, a teacher who lives in Uttam Nagar, said, “I travel to R K Puram and my daily commute, either by auto or cab, costs around Rs 350-400. Today, the price went up to Rs 650-Rs 700… I had to take the Metro to reach school on time.”

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