Vkc Forex Hinjewadi Pin

Nos locataires Le Quadron abrite certains des plus grands noms de l'économie mondiale. Certaines des organisations les plus connues et les plus respectées du monde ont mis en place ou sont sur le point de mettre en place leurs bureaux ici. Certains de nos locataires estimés sont: Nos clients Cognizant Technology Solutions India Pvt Ltd Technology Centre Barclays India Pvt Ltd Tata Consultancy Services Ltd Services eClerx Ltd International Training 038 Development Pvt Ltd Data64 Cyber ​​Solutions Pvt Ltd SQS Inde Infosystems Pvt Ltd Ameri Consulting Services Pvt Ltd. Nos partenaires de vente au détail Q Caf multi cuisine Food Court Subway Fresh Food Oxyfit Gymnasium master Sport Zone global Medical Glow Mart VKC Forex True Colors Laundro55608c7be7661c123dd7f5f5 4.3 3 globale Nitin Vivrekar plus. google113209543520544385942 en 5 Le meilleur endroit pour travailler : ) il y a 1 an 3 globale Paraskumar Shahu plus. google116912193232167466817 en 5 Best IT Campus à Pune il ya 2 ans 2 en général Mohabbat Khan plus. google117710207464241705726 fr 4 C'est génial vraiment bon. Je veux bouger aussi. il y a 3 ans 2 globale Jaikishan Mansukhani plus. google117319556128937242142 en 4 Juste un endroit incroyable, même jamais imaginé qu'un tel endroit est là en Inde il y a 3 ans 3 globale Saurabh Sharma plus. google106456898077107291072 en 5 lieu de travail il y a 2 ans établissement 53 Point de 73,708048 18,594209 Infosys Plot No. 1, Rajiv Gandhi Infotech Park, Hinjawadi, Taluka Mulshi, Pune, Maharashtra 411057, Inde 91 20 2293 2800 plus. google113009805061206953195abouthlen US infosys GMT0530 1 0 0000 0 0 1432405800000 lundi: Ouvert 24 heures mardi: Ouvert 24 heures mercredi : Ouvert 24 heures jeudi: Ouvert 24 heures vendredi: Ouvert 24 heures samedi: Ouvert 24 heures dimanche: création du point de Ouvert 24 heures 73,708069 18.594148 Bladerunnerzzz Hinjawadi, Pune, Maharashtra 411057, Inde 91 99752 58758 bladerunnerz. conforums 55608d21e7661c123dd7f6be point d'établissement 73.708048 18,593986 Infosys Phase 2 Hinjawadi, Pimpri Chinchwad, Maharashtra 411057, Inde 91 80 4156 3373 infosys 55608c96e7661c123dd7f616 établissement financier atm point 73,708 18,5945 ICICI Bank ATM Phase 1, Hinjewadi Rajiv Gandhi Infotech Park, Hinjawadi, Pune, Maharashtra 411057, Inde 91 98904 78000 ICICI Bank 55608c92e7661c123dd7f611 cafe établissement alimentaire point 73.707541 18.595082 Gazebo Hinjewadi Phase II, Hinjewadi Infotech Park, Hinjewadi, Maharashtra 411057, Inde magasin 55608c9be7661c123dd7f61c établissement point 73,709351 18,594612 Archiesonline Plot No.24. Alimentation 3, Rajiv Gandhi Infotech Park. Phase II, Village Man, Pune, Maharashtra 411057, Inde 91 20 6510 2083 établissement archiesonline de 55608c81e7661c123dd7f5fb point 73,709421 18,594026 Genesis International Square Biotech Park, Ground Floor, Rajiv Gandhi Infotech Biotech Park, MIDC, Phase II. Hinjewadi, Pune, Maharashtra 411057, Inde IBPL santé 55608c9ce7661c123dd7f61d établissement point 73,709421 18,594026 scigen Biopharmaceuticals Biotech Park International, Pune, Maharashtra, Inde, création de point de l'Inde 73,70729 18,595314 Infosys Eau Recyclage Usine Hinjewadi Phase II, Hinjewadi Infotech Park, Hinjewadi, Maharashtra 411057, création de point de l'Inde 73,70948 18,594652 DTDC Hinjewadi Hinjewadi Rajiv Gandhi Infotech Park, Hinjawadi, Pune, Maharashtra 411057, Inde 91 20 3252 5080 établissement 55608c9ae7661c123dd7f61a point 73,706521 18,594478 Scigan Biopharma limitée Hinjewadi IT Park, Phase 3, Hinjawadi, Maharashtra 411057, Inde 55608ca1e7661c123dd7f623 établissement financier point 73.709536 18.594677 VKC crédit et Forex services Limited Hinjewadi Phase II, Phase 2, Hinjewadi Rajiv Gandhi Infotech Park, Hinjawadi, Pune, Maharashtra 411057, Inde 91 20 3253 4350 vkcforex 55608c82e7661c123dd7f5fc magasin de librairie création point 73.709536 18.594678 Odyssey Librairies Wipro Technologies, Phase I, Rajiv Gandhi Infotech Park, Hinjewadi, Pune, Maharashtra 411057, Inde 91 20 2293 2402 établissement 55608c83e7661c123dd7f5fe point 73,709536 18,594678 Software Systems Infotek (P) Campus Ltd I2it, P 14, Phase I, Rajiv Gandhi Infotech Park, Hinjawadi, Pune , Maharashtra 411057, Inde 91 20 6473 0029 infoteksoftware 55608ca8e7661c123dd7f62d création point 73,709536 18,594678 Infosys BPO Ltd Hinjewadi Rajiv Gandhi Infotech Park, Hinjawadi, Pune, Maharashtra 411057, Inde 55608c97e7661c123dd7f617 création point 73,709536 18,594678 symphonie TELECA Hinjewadi Rajiv Gandhi Infotech Park, Hinjawadi, Pune, Maharashtra 411057, Inde 55608c84e7661c123dd7f5ff établissement Point 73.709536 18.594678 HostingReviewsOnline Phase 2, Hinjewadi Rajiv Parc Gandhi Infotech, Hinjawadi, Pune, Maharashtra 411057, Inde 91 93258 04278 55608d26e7661c123dd7f6c6 Point 73.706878 18.592866 THE CROWN GREENS Bureau MIDC, Phase 3, Hinjewadi Rajiv Gandhi Infotech Park, Hinjawadi, Pune, Maharashtra 411057, Inde 91 20 6791 9800 thecrowngreens 55608d28e7661c123dd7f6c8 realestateagency établissement d'hébergement point 73.709296 18,592625 Innovative service Hospitality Apartments Yerwada Pune Kalyani Nagar, Pune, Maharashtra 411006, Inde 91 90492 00044 greenoliveindia établissement 55608c7ee7661c123dd7f5f8 alimentaire point de 73,708799 18,596314 Food Court 3 Hinjewadi Phase II, Hinjawadi, Hinjewadi, Maharashtra 411057, Inde Lieux à proximité Lamb Spine Hot Pot Heiyuguan Hacker au restaurant. Gardez un oeil sur ce pirate informatique. Salutations pour 122.225.226.140 Konrad il ya 4 heures Hôtel Surabaya Ismi Untuk hiburan malam gimna Arta Il ya 5 heures Alltech Biotechnology Romnia S. R.L. Bonjour Monsieur et Madame Je suis une personne qui offre des prêts internationaux à court et à long terme. J'ai commencé t. Home Credit Finance Il ya 6 heures State Bank of Mauritius I. Vous voulez savoir sur ma banque détails Sobha Seelochund Il ya 7 heures Vodafone Mini Store Bogus que le numéro est fermé Amit mandhare Il ya 12 heuresNos locataires Le Quadron est à la maison à certains des Les plus grands noms de l'économie mondiale. Certaines des organisations les plus connues et les plus respectées du monde ont mis en place ou sont sur le point de mettre en place leurs bureaux ici. Certains de nos locataires estimés sont: Nos clients Cognizant Technology Solutions India Pvt Ltd Technology Centre Barclays India Pvt Ltd Tata Consultancy Services Ltd Services eClerx Ltd International Training 038 Development Pvt Ltd Data64 Cyber ​​Solutions Pvt Ltd SQS Inde Infosystems Pvt Ltd Ameri Consulting Services Pvt Ltd. Nos détaillants Q Caf Multi cuisine Alimentation Court Subway Fresh Food Oxyfit Gymnase Masters Sports Zone Médical Global Glow Mart VKC Forex True Colours LaundroWho sont autorisés par la Banque de réserve à vendre des devises étrangères pour les fins Voyage devises étrangères peuvent être achetés auprès de toute personne autorisée, Telles que la banque de catégorie I de la Revendeur agréée (AD) et la catégorie II de l'AD. Les changeurs d'argent à part entière (FFMC) sont également autorisés à libérer des échanges pour les affaires et les visites privées. Qui est un courtier autorisé Un courtier autorisé est normalement une banque spécialement autorisée par la Banque de réserve en vertu de l'article 10 (1) de la Loi de 1999 sur les valeurs mobilières étrangères ou étrangères (la liste des AD est disponible sur rbi. org. in ). Combien de devises étrangères peut on acheter lorsqu'ils voyagent à l'étranger lors de visites privées dans un pays hors de l'Inde Pour des visites privées à l'étranger, à l'exception du Népal et du Bhoutan, À des fins touristiques, etc., tout résident peut obtenir des devises étrangères d'un détaillant autorisé, jusqu'à concurrence d'un montant total de 10 000 USD, au cours d'un même exercice, sur une base d'autodéclaration, quel que soit le nombre de visites effectuées au cours de l'année. Cette limite de 10 000 USD ou son équivalent par année financière pour les visites privées peut également être utilisé par une personne qui se prévaut de devises pour les voyages à l'étranger à des fins telles que, pour l'emploi ou l'immigration ou des études. Aucun change n'est disponible pour la visite au Népal et au Bhoutan pour n'importe quel but. Un Indien résident est autorisé à prendre INR de dénomination de Rs.100 ou une dénomination inférieure au Népal et au Bhoutan sans limite. Combien de devises sont disponibles pour un voyage d'affaires Pour les voyages d'affaires à l'étranger à des pays autres que le Népal et le Bhoutan, une personne peut bénéficier de devises étrangères jusqu'à 25 000 USD par visite. Les visites dans le cadre d'une conférence internationale, d'un séminaire, d'une formation spécialisée, d'une visite d'étude, d'une formation d'apprenti, etc. sont traitées comme des visites d'affaires. La libération de devises excédant 25 000 USD pour les voyages d'affaires à l'étranger (sauf au Népal et au Bhoutan), quelle que soit la durée du séjour, nécessite une autorisation préalable de la Banque de réserve. Aucune libération de devises étrangères n'est admissible pour tout type de voyage au Népal et au Bhoutan ou pour toute transaction avec des personnes résidant au Népal. Les investissements au Bhoutan sont autorisés en roupies indiennes ainsi qu'en devises librement convertibles. Si des investissements sont effectués en devises librement convertibles, le produit de la liquidation de la vente doit être rapatrié en Inde en devises librement convertibles. Combien de devises étrangères peuvent être prises lors de l'achat de devises pour les voyages à l'étranger Les voyageurs qui se rendent dans tous les pays autres que (a) et (b) ci dessous sont autorisés à acheter des pièces de monnaie étrangères seulement jusqu'à 3000 USD. Forme de chèque de voyage ou de chèque bancaire. Les voyageurs qui se rendent en Irak et en Libye peuvent emprunter des devises sous forme de billets et de pièces de monnaie étrangère ne dépassant pas 5 000 USD ou son équivalent; b) les voyageurs se rendant en République islamique d'Iran, en Fédération de Russie et dans d'autres pays Les républiques de la Communauté des États indépendants qui peuvent retirer des devises étrangères entières sous la forme de billets ou de pièces en devises étrangères. Quelle quantité de devises étrangères peuvent être tirées pour les traitements médicaux à l'étranger Les banques AD catégorie I et AD Catégorie II peuvent libérer des devises étrangères jusqu'à 100 000 USD ou son équivalent pour les soins médicaux à l'étranger sur une base autodéclaration sans insister sur une estimation d'un Docteur en hôpital en Inde. Une personne se rendant à l'étranger pour un traitement médical peut obtenir des devises étrangères dépassant la limite ci dessus, à condition que la demande est soutenue par une estimation d'un médecin hospitalier en Inde en route. Un montant pouvant atteindre 25 000 USD est autorisé pour les frais d'entretien d'un patient qui se rend à l'étranger pour un traitement ou un contrôle médical à l'étranger ou pour une personne accompagnée d'un patient qui se rend à l'étranger pour un contrôle médical. Le montant de 25 000 USD accordé au patient à l'étranger s'ajoute à la limite de 100 000 USD mentionnée ci dessus. Quelles sont les facilités dont disposent les étudiants pour poursuivre leurs études à l'étranger? Pour les études à l'étranger, l'estimation reçue de l'établissement à l'étranger ou 100 000 USD par année scolaire, selon la plus élevée des deux, peut être prélevée auprès d'une banque AD Catégorie I. Les étudiants qui se rendent à l'étranger pour étudier sont traités comme des Indiens non résidents (NRI) et sont admissibles à toutes les facilités offertes aux IRN en vertu de la FEMA, 1999. Les prêts d'études et autres prêts servis par les étudiants en Inde peuvent être autorisés à continuer. Un étudiant titulaire d'un compte NRO peut retirer et rapatrier jusqu'à 1 million USD par exercice à partir de son compte NRO. L'étudiant peut se prévaloir d'un montant de USD 10.000 ou son équivalent pour les frais accessoires, dont 3000 USD ou son équivalent peut être transporté sous forme de devises étrangères en allant à l'étranger. Quels sont les documents requis pour le retrait de la Bourse de change pour les fins ci dessus? La documentation peut être faite comme conseillé par le concessionnaire agréé. Quelle quantité de devises est disponible pour une personne qui se rend à l'étranger pour un emploi Une personne qui se rend à l'étranger pour un emploi peut retirer des devises étrangères jusqu'à 100 000 USD auprès d'un concessionnaire agréé en Inde sur la base d'une autodéclaration. Quelle quantité de devises est disponible pour une personne qui se rend à l'étranger à l'émigration Une personne qui se rend à l'étranger à l'émigration peut retirer des devises de la catégorie AD de la catégorie I et de la catégorie AD II jusqu'au montant prescrit par le pays d'émigration ou 100 000 USD. Il peut retirer des devises étrangères jusqu'à concurrence de 100 000 USD sur la base d'une autodéclaration auprès d'un concessionnaire agréé en Inde. Ce montant sert uniquement à couvrir les dépenses accessoires dans le pays d'émigration. Aucun montant de devises étrangères ne peut être remis à l'extérieur de l'Inde pour devenir admissible ou pour gagner des points ou des crédits pour l'immigration. Tous ces envois de fonds exigent une autorisation préalable de la Banque de réserve. Si l'exigence dépasse USD 100 000, la personne a besoin d'obtenir l'approbation préalable de la Banque de réserve. Y at il une catégorie de visite qui nécessite l'approbation préalable de la Banque de Réserve ou du Gouvernement de l'Inde Les troupes de danse, les artistes, etc. qui souhaitent entreprendre des visites culturelles à l'étranger doivent obtenir l'approbation préalable du Ministère du Développement des Ressources Humaines Culture), Gouvernement de l'Inde, New Delhi. La loi de 1976 sur la réglementation des contributions étrangères est administrée et surveillée par le ministère de l'Intérieur dont l'adresse est indiquée ci dessous: Division des étrangers, Maison Jaisalmer, 26, route Mansingh , New Delhi 110 011 Aucune approbation spécifique de la Banque de réserve n'est requise à cet égard. Combien de jours à l'avance on peut acheter des devises étrangères pour voyager à l'étranger Les devises permissibles peuvent être tirées 60 jours à l'avance. Dans le cas où il n'est pas possible d'utiliser le change dans le délai de 60 jours, il doit être immédiatement remis à une personne autorisée. Toutefois, les résidents sont libres de conserver des devises étrangères jusqu'à concurrence de 2 000 USD, sous forme de billets en devises étrangères ou de TC destinés à être utilisés ou crédités à l'avenir dans leurs comptes RFC (nationaux) résidents en devises étrangères. Peut on payer en espèces l'équivalent en roupies complètes de devises étrangères achetées pour les voyages à l'étranger Les devises étrangères pour les voyages à l'étranger peuvent être achetées auprès d'une personne autorisée moyennant un paiement en roupie en espèces seulement jusqu'à Rs.50,000 . Cependant, si l'équivalent de la roupie dépasse Rs.50,000 , le paiement entier devrait être fait par le biais d'un chèque croisé chèque bancaire chèque ordre de paiement demande carte de débit carte de crédit carte prépayée seulement. Y a t il un délai pour un voyageur qui est retourné en Inde pour céder des devises étrangères? Lors du retour d'un voyage à l'étranger, les voyageurs sont tenus de remettre les devises étrangères non dépensées détenues sous forme de billets de banque et de chèques de voyage dans les 180 jours suivant leur retour. Toutefois, ils sont libres de conserver des devises étrangères jusqu'à concurrence de 2 000 USD, sous forme de billets en devises étrangères ou de TC destinés à être utilisés ou crédités à l'avenir dans leurs comptes RFC (nationaux) résidents en devises étrangères. Si des pièces étrangères sont remises à un concessionnaire agréé à leur retour de l'étranger Les résidents peuvent détenir des pièces étrangères sans aucune limite. Combien de devises étrangères un particulier résident peut il envoyer à titre de don à une personne résidant en dehors de l'Inde Toute personne résidente peut, si elle le désire, verser la totalité de la limite de 125000 USD au cours d'un exercice sous LRS comme cadeau à une personne résidant en dehors de l'Inde ou Comme un don à un organisme de bienfaisance religieux et culturel hors de l'Inde. Les envois de fonds dépassant la limite de 125 000 USD nécessiteront une autorisation préalable de la Banque de réserve. Est il permis d'utiliser la carte ATMDebit de carte de crédit internationale (ICC) pour effectuer des opérations de change Utilisation de cartes de crédit internationales (ICC) Les cartes de débit peuvent être effectuées pour des voyages à l'étranger à des fins diverses et pour effectuer des paiements personnels, , L'abonnement à Internet, etc. Le droit de change sur les cartes de crédit internationales (ICC) est limité par la limite de crédit fixée par l'autorité qui délivre la carte. Avec ICC on peut (i) faire face à des achats de dépenses à l'étranger (ii) effectuer des paiements en devises pour l'achat de livres et d'autres articles par Internet en Inde. Si la personne a un compte en devises étrangères en Inde ou avec une banque à l'étranger, il peut même obtenir ICC de banques d'outre mer et des agences réputées. L'utilisation de ces instruments pour le paiement en devises au Népal et au Bhoutan n'est pas autorisée. Combien de monnaie indienne une personne peut elle transporter en allant à l'étranger Les résidents sont libres de prendre à l'extérieur de l'Inde (autres que au Népal et au Bhoutan) les billets en monnaie du gouvernement de l'Inde et la Banque de réserve de l'Inde notes jusqu'à un montant ne dépassant pas Rs. 10000 par personne. Ils peuvent prendre ou envoyer en dehors de l'Inde (sauf au Népal et au Bhoutan) des pièces commémoratives n'excédant pas deux pièces chacune. Explication. La pièce de monnaie commémorative comprend la pièce de monnaie émise par la Monnaie du gouvernement de l'Inde pour commémorer une occasion ou un événement précis et exprimée en monnaie indienne. Un résident de l'Inde, qui est sorti de l'Inde pour une visite temporaire peut apporter en Inde au moment de son retour de n'importe quel endroit en dehors de l'Inde (à l'exception du Népal et du Bhoutan), Les billets en devises du gouvernement de l'Inde et de la Banque de réserve de l'Inde indiquent jusqu'à concurrence d'un montant n'excédant pas 7 500 roupies. Une personne peut prendre ou envoyer de l'Inde au Népal ou au Bhoutan, des billets en devises du gouvernement de l'Inde et des billets de la Banque de réserve, dans des dénominations n'excédant pas Rs.100. Combien de devises étrangères peuvent être apportées en visitant l'Inde Une personne venue en Inde de l'étranger peut apporter avec lui des devises étrangères sans aucune limite. Toutefois, si la valeur globale des devises sous forme de billets de change, de billets de banque ou de chèques de voyage introduits est supérieure à 10 000 USD ou son équivalent et / ou la valeur de la monnaie étrangère est supérieure à 5 000 USD ou son équivalent, Les autorités douanières à l'aéroport dans le formulaire de déclaration de la monnaie (CDF), à leur arrivée en Inde. 22. Est il tenu de suivre la procédure d'exportation complète lorsqu'un colis cadeau est expédié en dehors de l'Inde Une personne résidant en Inde est libre d'envoyer (exporter) un article cadeau de valeur n'excédant pas Rs.5,00,000 à condition que l'exportation de cet article ne soit pas interdite En vertu de la politique de commerce extérieur en vigueur et l'exportateur soumet une déclaration selon laquelle les marchandises de don ne sont pas supérieures à Rs.5,00,000 en valeur. L'exportation de biens ou de services jusqu'à concurrence de Rs.5,00,000 peut être faite sans fournir la déclaration sous la forme GR SDF PP SOFTEX, selon le cas. Combien de bijoux peuvent être transportés en allant à l'étranger Prendre des bijoux personnels hors de l'Inde est selon les règles de bagage, gouverné et administré par le Département des douanes, Gouvernement de l'Inde. Bien qu'aucune approbation de la Banque de réserve ne soit requise en l'espèce, des approbations, le cas échéant, exigées des autorités douanières peuvent être obtenues. Une personne résidant en Inde est libre d'effectuer tout paiement en roupies indiennes pour couvrir les dépenses, en raison de l'embarquement, de l'hébergement et des services y afférents ou des voyages en provenance et à destination de l'Inde Personne qui réside en dehors de l'Inde, qui est en visite en Inde. Les résidents peuvent réserver leurs billets en Inde pour leur visite dans n'importe quel pays tiers. Par exemple, les résidents peuvent réserver leurs billets pour le voyage de Londres à New York, par l'intermédiaire de lignes aériennes domestiques en Inde elle même. Le visa est il obligatoire pour les clients de la visite privée? Non, il n'est pas obligatoire de l'apposer sur le passeport. Toutefois, si le client insiste ou demande une approbation, le concessionnaire agréé ne refusera pas de l'endosser. Qu'est ce que le concept HDFC Multi Currency Card? Carte prépayée en devises avec des portefeuilles à plusieurs devises où des devises individuelles peuvent être chargées La carte fonctionnera comme n'importe quelle carte prépayée régulière pour faciliter les paiements aux guichets automatiques VISA et aux terminaux POS à l'étranger. Le premier choix de devise pour traiter la transaction sera la devise locale de la transaction. Si la carte ne dispose pas d'un solde suffisant sur le portefeuille monnaie locale, puis par défaut des fonds seront tirés d'un autre portefeuille monnaie avec des fonds suffisants Option pratique de transférer la monnaie d'un portefeuille à l'autre en utilisant le service bancaire Net. Le client connaît le taux applicable au moment de la transaction Quelles sont les caractéristiques de HDFC Multi Currency Card Dénomination variable Reloadable carte prépayée Forex avec une option pour charger l'une des 10 options de monnaie peut transporter plus d'une monnaie sur la carte simultanément Déplacer des fonds à travers différents Les porte monnaie monnaie facilement Hassle libre de la sélection de la monnaie locale en fonction de l'emplacement d'utilisation Construit en intelligence pour traiter les transactions en utilisant des fonds à travers différents porte monnaie Définir votre propre caisse bancaire NET PIN bancaire Livré avec une carte de sauvegarde qui peut être utilisé dans le cas Primé carte est lostdamagedstolen . Chip pour assurer la sécurité, fonctionne sur tous les terminaux conformes aux normes EMV E com disponible pour effectuer en ligne Paiements en devises étrangères Transactions spécifiques sur les e mails enregistrés mobiles pour certaines transactions et activités Acceptation globale dans tous les guichets automatiques et établissements marchands Quelles sont les installations d'alerte disponibles En HDFC Multi Currency Card Alerte SMS Activation de la carte Charge Rechargement de la valeur Remboursement Activation de la carte complémentaire Carte Hotlist Alerte de transaction PoS Alerte de transaction ATM Alerte de transaction ECOM Alarme de messagerie électronique Réinitialisation IPIN Réinitialisation Alerte par courriel Activation de carte Les fonctionnalités disponibles dans les cartes bancaires multi monnaies HDFC Net Banking SetReset NIP et PIN Internet (IPIN) Télécharger les relevés Vérifier le solde de la carte Swap des devises entre différents portefeuilles de monnaie Bloquer la carte débloquer pour les transactions Vérifier l'historique des transactions Hotlist perdu carte volée Activer carte de secours Sont les services à valeur ajoutée disponibles sur HDFC Multi Currency Card 24 7 Assistance 365 jours Services Premium Concierge Couverture d'assurance améliorée Rapports de cartes perdus et volés Service de renseignements sur les titulaires de carte Décaissement d'urgence Remboursement de la carte d'urgence Quels sont les frais de la HDFC Bank Multi Currency Card Issuance Fee. Rs 500 par carte Frais de rechargement. Rs 75 par recharge Re délivrance des frais de carte. Rs 100 par carte Retrait de trésorerie de l'ATM Frais de change croisés: pour les transactions où la monnaie de transaction est différente de la devise disponible sur la carte ForexPlus à plusieurs devises, la Banque facturera 3 marges de change sur ces transactions. Le taux de change utilisé sera le taux de change du commerce de gros VISAMasterCard en vigueur au moment de la transaction. Pour les opérations en devises croisées impliquant des transferts de portefeuille à portefeuille dans les devises disponibles sur la carte Multi devises Forex Plus, le client sera facturé avec 2 frais de change croisés. Taxe de conversion de la monnaie: La taxe de conversion de devises sera applicable selon les directives fiscales en vigueur Frais à l'égard de l'installation de GCAS: Le client sera facturé pour avoir recours à l'installation de GCAS de Visa selon les frais en vigueur applicables. Admissibilité et documentation Il suffit de visiter ou d'appeler n'importe quelle succursale VKC Forex avec la documentation suivante: Formulaire de demande de devises Multi Formulaire A2 Une photocopie de votre passeport A consulter la documentation mandatée par la FEMA selon le quota de votre voyage: Visite privée Vacances , Visites personnelles, etc. USD 10 000,00 par exercice USD 25 000,00 par voyage Immigration Pour les personnes qui s'installent à l'étranger dans des pays comme le Canada, la Nouvelle Zélande, etc. USD 100 000,00 par an Emploi à l'étranger Pour une personne qui va travailler à l'étranger 100 000,00 USD Par an Traitement médical Pour les personnes qui voyagent à l'étranger pour le traitement USD 100 000,00 par année Études à l'étranger Pour les étudiants poursuivant des études à l'étranger 100 000,00 USD par année scolaire Combien de devises sont disponibles pour une personne qui va à l'étranger À partir de n'importe quel distributeur agréé en Inde, des devises étrangères pouvant atteindre USD 100 000 sur la base d'une autodéclaration. Quelle quantité de devises est disponible pour une personne qui se rend à l'étranger à l'émigration Une personne qui se rend à l'étranger à l'émigration peut retirer des devises de la catégorie AD de la catégorie I et de la catégorie AD II jusqu'au montant prescrit par le pays d'émigration ou 100 000 USD. Il peut retirer des devises étrangères jusqu'à concurrence de 100 000 USD sur la base d'une autodéclaration auprès d'un concessionnaire agréé en Inde. Ce montant sert uniquement à couvrir les dépenses accessoires dans le pays d'émigration. Aucun montant de devises étrangères ne peut être remis à l'extérieur de l'Inde pour devenir admissible ou pour gagner des points ou des crédits pour l'immigration. Tous ces envois de fonds exigent une autorisation préalable de la Banque de réserve. Si l'exigence dépasse USD 100 000, la personne a besoin d'obtenir l'approbation préalable de la Banque de réserve. Y at il une catégorie de visite qui nécessite l'approbation préalable de la Banque de Réserve ou du Gouvernement de l'Inde Les troupes de danse, les artistes, etc. qui souhaitent entreprendre des visites culturelles à l'étranger doivent obtenir l'approbation préalable du Ministère du Développement des Ressources Humaines Culture), Gouvernement de l'Inde, New Delhi. La loi de 1976 sur la réglementation des contributions étrangères est administrée et surveillée par le ministère de l'Intérieur, dont l'adresse est indiquée ci dessous: Division des étrangers, Maison Jaisalmer, 26, chemin Mansingh , New Delhi 110 011 Aucune approbation spécifique de la Banque de réserve n'est requise à cet égard. Combien de jours à l'avance on peut acheter des devises étrangères pour voyager à l'étranger Les devises permissibles peuvent être tirées 60 jours à l'avance. Dans le cas où il n'est pas possible d'utiliser le change dans le délai de 60 jours, il doit être immédiatement remis à une personne autorisée. Toutefois, les résidents sont libres de conserver des devises étrangères jusqu'à concurrence de 2 000 USD, sous forme de billets en devises étrangères ou de TC destinés à être utilisés ou crédités à l'avenir dans leurs comptes RFC (nationaux) résidents en devises étrangères. Peut on payer en espèces l'équivalent en roupies complètes de devises étrangères achetées pour les voyages à l'étranger Les devises étrangères pour les voyages à l'étranger peuvent être achetées auprès d'une personne autorisée moyennant un paiement en roupie en espèces seulement jusqu'à Rs.50,000 . Cependant, si l'équivalent de la roupie dépasse Rs.50,000 , le paiement entier devrait être fait par un chèque croisé chèque bancaire chèque ordre de paiement demande carte de débit carte de crédit carte prépayée seulement. Y a t il un délai pour un voyageur qui est retourné en Inde pour céder des devises étrangères? Lors du retour d'un voyage à l'étranger, les voyageurs sont tenus de remettre les devises étrangères non dépensées détenues sous forme de billets de banque et de chèques de voyage dans les 180 jours suivant leur retour. Toutefois, ils sont libres de conserver des devises étrangères jusqu'à concurrence de 2 000 USD, sous forme de billets en devises étrangères ou de TC destinés à être utilisés ou crédités à l'avenir dans leurs comptes RFC (nationaux) résidents en devises étrangères. Si des pièces étrangères sont remises à un concessionnaire agréé à leur retour de l'étranger Les résidents peuvent détenir des pièces étrangères sans aucune limite. Combien de devises étrangères un particulier résident peut il envoyer à titre de don à une personne résidant en dehors de l'Inde Toute personne résidente peut, si elle le désire, verser la limite totale de 125 000 USD au cours d'un exercice sous LRS en cadeau à une personne résidant en dehors de l'Inde ou Comme un don à un organisme de bienfaisance religieux et culturel hors de l'Inde. Les envois de fonds dépassant la limite de 125 000 USD nécessiteront une autorisation préalable de la Banque de réserve. Est il permis d'utiliser la carte ATMDebit de carte de crédit internationale (ICC) pour effectuer des opérations de change Utilisation de cartes de crédit internationales (ICC) Les cartes de débit peuvent être effectuées pour des voyages à l'étranger à des fins diverses et pour effectuer des paiements personnels, , L'abonnement à Internet, etc. Le droit de change sur les cartes de crédit internationales (ICC) est limité par la limite de crédit fixée par l'autorité qui délivre la carte. Avec ICC on peut (i) faire face à des achats de dépenses à l'étranger (ii) effectuer des paiements en devises pour l'achat de livres et d'autres articles par Internet en Inde. Si la personne a un compte en devises étrangères en Inde ou avec une banque à l'étranger, il peut même obtenir ICC de banques d'outre mer et des agences réputées. L'utilisation de ces instruments pour le paiement en devises au Népal et au Bhoutan n'est pas autorisée. Combien de monnaie indienne une personne peut elle transporter en allant à l'étranger Les résidents sont libres de prendre à l'extérieur de l'Inde (autres que au Népal et au Bhoutan) les billets en monnaie du gouvernement de l'Inde et la Banque de réserve de l'Inde notes jusqu'à un montant ne dépassant pas Rs. 10000 par personne. Ils peuvent prendre ou envoyer en dehors de l'Inde (sauf au Népal et au Bhoutan) des pièces commémoratives n'excédant pas deux pièces chacune. Explication. La pièce de monnaie commémorative comprend la pièce de monnaie émise par la Monnaie du gouvernement de l'Inde pour commémorer une occasion ou un événement précis et exprimée en monnaie indienne. Explication. La pièce de monnaie commémorative comprend la pièce de monnaie émise par la Monnaie du gouvernement de l'Inde pour commémorer une occasion ou un événement précis et exprimée en monnaie indienne. Un résident de l'Inde, qui est sorti de l'Inde pour une visite temporaire peut apporter en Inde au moment de son retour de n'importe quel endroit en dehors de l'Inde (à l'exception du Népal et du Bhoutan), Les billets en devises du gouvernement de l'Inde et de la Banque de réserve de l'Inde indiquent jusqu'à concurrence d'un montant n'excédant pas 7 500 roupies. Une personne peut prendre ou envoyer de l'Inde au Népal ou au Bhoutan, des billets en devises du gouvernement de l'Inde et des billets de la Banque de réserve, dans des dénominations n'excédant pas Rs.100. Combien de devises étrangères peuvent être apportées en visitant l'Inde Une personne venue en Inde de l'étranger peut apporter avec lui des devises étrangères sans aucune limite. Toutefois, si la valeur globale des devises sous forme de billets de change, de billets de banque ou de chèques de voyage introduits est supérieure à 10 000 USD ou son équivalent et / ou la valeur de la monnaie étrangère est supérieure à 5 000 USD ou son équivalent, Les autorités douanières à l'aéroport dans le formulaire de déclaration de la monnaie (CDF), à leur arrivée en Inde. 22. Est il tenu de suivre la procédure d'exportation complète lorsqu'un colis cadeau est expédié en dehors de l'Inde Une personne résidant en Inde est libre d'envoyer (exporter) un article cadeau de valeur n'excédant pas Rs.5,00,000 à condition que l'exportation de cet article ne soit pas interdite En vertu de la politique de commerce extérieur en vigueur et l'exportateur soumet une déclaration selon laquelle les marchandises de don ne sont pas supérieures à Rs.5,00,000 en valeur. L'exportation de biens ou de services jusqu'à concurrence de Rs.5,00,000 peut être faite sans fournir la déclaration sous la forme GR SDF PP SOFTEX, selon le cas. Combien de bijoux peuvent être transportés en allant à l'étranger Prendre des bijoux personnels hors de l'Inde est selon les règles de bagage, gouverné et administré par le Département des douanes, Gouvernement de l'Inde. Bien qu'aucune approbation de la Banque de réserve ne soit requise en l'espèce, des approbations, le cas échéant, exigées des autorités douanières peuvent être obtenues. Une personne résidant en Inde est libre d'effectuer tout paiement en roupies indiennes pour couvrir les dépenses, en raison de l'embarquement, de l'hébergement et des services y afférents ou des voyages en provenance et à destination de l'Inde Personne qui réside en dehors de l'Inde, qui est en visite en Inde. Les résidents peuvent réserver leurs billets en Inde pour leur visite dans n'importe quel pays tiers. Par exemple, les résidents peuvent réserver leurs billets pour le voyage de Londres à New York, par l'intermédiaire de lignes aériennes domestiques en Inde elle même. Le visa est il obligatoire pour les clients de la visite privée? Non, il n'est pas obligatoire de l'apposer sur le passeport. Toutefois, si le client insiste ou demande une approbation, le concessionnaire agréé ne refusera pas de l'endosser. Can I buy more than one Travel Card from Axis Bank In Same Currency: Each individual will be entitled to purchase one card of each currency. However, an individual cannot hold more than a single card of the same currency at any given point of time In Multiple Currencies: If you are travelling to more than one country on a single trip and you wish to carry more than one card on different currencies, then Bank can issue more than one card to you. albeit in different currencies, within the overall RBI approved limits for the trip. Can I get one card loaded with multiple currencies, if I am traveling to two countries No. As stated above if you are travelling to more than one country on a single trip, then Bank can issue more than one card to you, albeit in different currencies, within the overall RBI approved limits for the trip. However it would not be possible to load more than one currency on a single card. When can I use the card after purchase You are advised to commence the usage of the card only after a couple of hours. You are also advised to ensure that you have received the PIN and sign on the signature panel at the back of the card. It is also advisable to change the PIN and check the Balance on the card at any Axis Bank ATM before your departure from the country. How can I confirm if my card has been loadedreloaded You would receive an SMS confirmation as soon as your card is loadedreloaded. It is advisable to check the Balance on the card at any Axis Bank ATM before your departure from the country. You can also check your balance on our website using the login id and password provided for internet banking. How much money can I load onto my Travel Currency Card 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 should be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations in force at present. The minimum purchase reload value of Travel Currency Card is given below: Minimum Issuance Amount Minimum Reload Amount How can I use this Card to withdraw Cash To withdraw cash, you would need to insert your card into any Visa Visa Plus Mastercard ATM machine overseas and follow the instructions on screen. Enter your PIN and indicate the amount you want to withdraw in the local currency. The requisitioned cash will be dispensed in the local currency of the country you are in. What is my PIN Your PIN (Personal Identification Number) is a unique 4 digit secure number assigned to your card and known only to you. It allows you to withdraw cash from VISA VISA Plus Mastercard ATMs worldwide. This PIN can be changed (only) at any Axis Bank ATM in India. Which ATMs accept the Travel Currency Card All ATMs overseas displaying the Visa or Plus symbol will accept your Axis Bank Travel Currency Card. Will I find VISA ATMs where I am going There are over 1 Million VISA ATMs worldwide. For a comprehensive list of all ATMs look upto the location of VISA accepting ATMs on their website visa. Or visa. via. infonowlocatorglobal and click on the ATM locator. Unless you are travelling to someplace very remote, it is very unlikely that you wont be able to find one. It may please be noted that there are certain countries where, either the VISA or MasterCard has withdrawn support or there is no presence of VISA or MasterCard infrastructure. Thus, there will be no acceptability of our Travel Currency Card in such countries. Is there a fee levied for the use of VISA ATMs There is a transaction fee levied at various ATMs for cash withdrawal Balance Inquiry as per the table hereunder: Minimum Issuance Amount Minimum Reload Amount The banks in U. S. are given right by the local federal laws to charge Surchargefees from other bank customers accessing their ATM to withdraw money. Many ATMS in US do levy charges for withdrawing from their ATM over and above the charges mentioned above. What options should I choose to withdraw cash from the ATM Generally, the options available at the ATM for cash withdrawal are Checking, Credit, and Savings. You should choose the CheckingCurrent option. In case the CheckingCurrent option is not available, you should select the Credit option. The Savings option does not link to the VISA network and hence the transaction would not be successful. What if I have forgotten my ATM PIN The Card gets blocked for use at ATMs, if the card has been used with the wrong ATM PIN more than 3 times. This is for your own security and to prevent any fraudulent use on the card. If you have forgotten your PIN, you may write to travel. currencyaxisbank for generation of a new PIN. Does the Visa ATM display the foreign exchange rate of conversion No, generally, ATMs display the amount withdrawn and balance available in the local currency. With this information, you can calculate the foreign exchange rate applied. Can I use my Travel Card in currencies other than the base currency (currency variant in which the card was purchased) Yes, the Travel Currency Card can be used to transact (Cash withdrawal at ATMs and point of sale transactions at Merchant Outlets) in any local currency. For transactions in any other currency other than the base currency, there will be an exchange rate which will be applicable. Whom should I contact, in case I have any dispute on a transaction In case you have a dispute on any specific transaction, you are requested to provide the details of the transaction to the e mail id: travel. currencyaxisbank for doing the needful. Can I reload the card Incase you have exhausted the funds on the card you can reload your card with additional funds. The easiest way to do this is to contact the Axis Bank Branch where you bought it from. Is remote reloading possible on the card Yes You may leave a signed copy of the reload Form and authorization with your family. Your family member can approach Axis Bank Branch with the Reload form. On submission of the documents and receipt of the payment, the Travel Card would be reloaded. How do I withdraw the remaining cash from my card if it is too small for a cash machine to dispense The easiest way to cash out your card, if you dont want to reload it for your next trip, is to go to the nearest Axis Bank branch and get the remaining amount encashed. How can I get a refund of unspent balances The Card can be encashed only after your return to India. Furthermore, the last transaction done on the card should be more than 10 days prior to the date of encashment. For refund of the residual or unutilized balances you can approach any of the branch of the Bank irrespective of where the card was issued. You need to complete the refund form and submit a copy of your passport alongwith the form. Do I need to surrender the card at the branch at the time of encashment or can I retain the same In case you want to encash the entire unspent amount on the card, you need to cut the card into 4 pieces at the time of surrender. However if you wish to retain the card for further trips, you can do so by encashing the partial amount and maintaining a minimum balance of USD 20 EUR 15 GBP 10 AUD 25, CAD 25 SGD 30 CHF 25 and SEK 130. Please note that if the balance on the card is more than 2000 then the card should be encashed within 90 days from the date of arrival. What do I do if my card is lost or stolen You can call the 24 hour helpline 91 22 67987700 or send an email to email helpdesk travel. currencyaxisbank to report a lost or stolen card. Our Customer Service Executives will immediately block the lost card and prevent it from further use and arrange to send you a replacement card within 2 working days. It is important to note that a lost Card report will be taken only after verification of your Mothers maiden name, Date of Birth, Passport no etc. Is there any other way in which I can keep a track of my balance and the latest transactions You can access the Internet banking module, iConnect for keeping a track of your balances and the transactions done on your card. The Internet banking user id is mentioned on the sticker placed on the welcome kit. The password is enclosed in the welcome kit in a sealed envelope for security reasons. You can visit the web site axisbank. Select the Logon to net Banking section on the top left hand side to access the service. What important points should I keep in mind for using the card at Merchant Outlets You should look for VISAVISA Electron MasterCard sign at the point of sale merchant establishment. The Merchant must have an electronic point of sale card swiping terminal. Present your Travel Card after making purchase. Do not give your PIN to the merchant even if requested. PIN is not required for POS transactions. After a successful authorization, a hold for the transacted amount will first be placed on your account. Subsequently, your account will be debited for the transacted amount. A sales slip will be generated from the electronic card swiping terminal. Check and sign the sales slip. Your signature must match the one on your Travel Card. Ensure your card is returned to you. Please note that this card can be used only for online transactions. Any transaction, which is done in an offline mode (Manual key Entry) would be declined, as it does not get routed to the online systems. What should I do if I lose my Travel Currency CardATM PIN or Internet banking password In case of loss of card, ATM PIN or the Internet banking password, you are requested to write to the Travel Currency Helpdesk at the e mail id: travel. currencyaxisbank What is the VKC Forex Global Currency Card VKC Forex Global Currency Card is a pre paid foreign currency card that makes your foreign trip totally hassle free and convenient. You can load this pre paid card with foreign currency in India and use it to withdraw cash in the local currency from VISA MASTERCARD AMERICAN EXPRESS ATMs and merchant establishments accepting VISA MASTERCARD AMERICAN EXPRESS Flag cards. The Card is sold through ICICI Bank branches and select money changers. The Card also comes with never before features including travel insurance, emergency assistance, advanced account management features. In which currencies are the VKC Forex Global Currency Card available in VISA US Dollars Euro Pound Sterling Swiss Francs Australian Dollars Canadian Dollars Singapore Dollar Japanese Yen MASTERCARD US Dollars AMERICAN EXPRESS US Dollars So the US Dollar card will have USD loaded on to it (just like the USD Travelers Cheque). The Card will work in all countries and will dispense local currencies only on usage at ATMs, but in case the US Dollar card is used in say Europe, conversion charges from USD to Euro will be applicable. Why should I use an VKC Forex Global Currency Card An VKC Forex Global Currency Card ensures that you have a hassle free business or pleasure trip abroad. Instead of spending time encashing travelers cheques or changing money though Money Changers, The VKC Forex Global Currency Card ensures that you have 24 hours instant access to your funds. Apart from time and effort, you would also save money by getting the most competitive foreign exchange rates. Since it is a pre paid card, it also helps you budget and plan your expenses. It also ensures that you spend your time in your business or leisure trip or abroad productively with an assurance of having an access to a wide network of people who are in stand by in case you were to need any help How does this pre paid card work Your pre paid Global Currency Card is loaded with funds at the time of purchase. You can use the card for cash withdrawal or for shopping at merchant outlets. With each transaction, the remaining value on the card decreases. You can continue to use your card as long as some funds remain on the card account. You can reload the card with more funds before your next trip when you return to India. This card cannot be used in India, Nepal Bhutan. What is the schedule of charges Schedule of Charges Some of the ATM acquires charge additional ATM fee. You are advised to check the same before the usage. Service Charge Extra What needs to be done incase HotelsCar Rentals take a Pre Authorization HotelsCar Rentals before check inrenting services etc, take a pre auth on your card. A Pre Auth is essentially blocking of certain amount on your card. At the time of checking out of the hotelsettling the bill, you should: Ask the executive to settle the final bill against the pre auth that was taken. Ask the executive to cancel the pre auth (credit back the amount) that was taken and settle the bill by taking an authorization for the actual bill amount. In the event of the Merchant not reversing back the amount, ICICI Bank would credit back the amount immediately after 11 days. What is the Insurance available on the card Personal Air Accident Cover Death only. This cover is available for PRIMARY Card members upto the age of 69 and is applicable only overseas. 100 benefit total amp disablement (as decided permanent by insurance company) Missing of connecting Applicable if there is no international flight in the next 6 hours after late arrival by an international flight on an international airline For International Travel only. Loss of travel documents (Passport, Visa, Tickets) Available on baggage checked by international airline on an international flight on an outbound flight only. In case of theft, it should be reported to appropriate policy authority within 24 hours of discovery. Available on baggage checked by international airline on an international flight on an outbound flight only. In case of theft, it should be reported to appropriate policy authority within 24 hours of discovery Delay in receipt of checked baggage. Available on baggage checked by international airline on an international flight on an outbound flight only. In case of theft, it should be reported to appropriate policy authority within 24 hours of discovery. Note: The customer is automatically enrolled into the policy on the purchase of the card. The claim will be applicable only if on the incident date, the Global Currency Card was active and had a positive balance on the same. What is the Insurance Claim Process For insurance claims, please contact ICICI Lombard on toll free number: 180020988. ICICI Lombard PBO takes down the claim information from the customer. Checks based on the card number provided for the cover applicable. Forwards the information to the expert for claim validity. If the claim is valid, customer is forwarded the claim form along with the list of supporting documents required. The cheque is sent to customer within 30 days. Where do I call if I need some assistance Customers can call ICICI Banks 24 hour Customer Care Center for free customer support. From within India, call 1800 345 3499. From outside India, customers may call 91 22 28307777. After calling these numbers, please the customers need press 112 for English and 212 for Hindi. The customers can call up the call center to know their transaction details, the remaining balance on their card account, to update their mailing addressemail addressmobile number, report a card loss and ask for replacement cards or write to us using the Email Us option For emergency assistance, they can call our assistance center at 91 11 4189 8888 Can the VKC Forex Global Currency Card be used over the Internet Yes. For VISA and MASTERCARD, the cardholder first needs to activate hisher card for the Internet usage while in case of AMERICAN EXPRESS, the card is pre activated. The steps for activation are: Log on to icicibank, click on cards, Click on Global Currency Card, click on Login for Global Currency Card Customers, and log in using 16 digit card no and Internet password. Activate the card for Internet Transactions (not valid on Indian Sites). The card remains active for 30 minutes or 1 transaction which ever is earlier. Start using the card over the Internet. Is remote Loading of the card possible Yes. The process is: Leave a Signed Copy of the Reload Form and authorization with your family. Family Member walks into nearest VKC Forex Branch with the Reload Form. On submission of these documents and receipt of payment, the Card would be reloaded. Is temporary block facility available on the card Yes, the same is available. In case you want to temporarily block the card for safety purpose, you can do so yourself through your internet log in or you can call up ICICI Bank call center to block and then unblock the card. This facility is not available on ICICI Bank American Express, Prepaid Global Currency Card. How do I track my transactions from wherever I am in the world Web based Access to Account Information: Internet web based access allows the customers quick access to transaction details and can also check their card balance. They simply need to logon to icicibank click on Cards click on Global Currency Card, and log in through the Login for Global Currency Card customers link using their Internet Login ID (i. e. Global Currency Card 16 digit number) and password provided with the welcome pack for a complete update on the Card. Customers can check the status on their VKC Forex Global Currency Card from anywhere in the world. The customers can get updates on Available balance Transactions undertaken Transactions after last statement date Past statements (by period) If the merchant says that the card is not working, what is to be done Ask the merchant to ensure that he has swiped on a Credit Card terminal. If the card is still getting declined, walk into the nearest ATM to check the available balance on the card. Customers can withdraw the cash from the ATM and settle with the merchant. Report the matter to ICICI Bank, for follow up with the Merchant. What are the minimum and maximum amounts one can load on purchase Usage of the VKC Forex Global Currency Card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations. The card can be loaded with any amount up to USD 10,000 or equivalent in Euros in a year. The minimum loading amount is 200 ( i. e. if USD card 200, if GBP card 200 and so on ). Corporate travelers can load the Card up to 25,000 or its equivalent in Euros for every business trips. The amount of load on a card should be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations. If I am traveling to two countries, do I get the different currencies loaded on same card No. One card can be loaded with only one currency. However, the customer can take card in one currency and use worldwide irrespective of the currency of the country. Can I transact in currencies other than base currency (dollar, euros, pounds etc) using the Global Currency Card Yes, VKC Forex Global Currency Card allows transactions (cash withdrawal and point of sale transaction) in any local currency. For any currency other than the base currency, there will be an exchange rate which will be applied. What exchange rates are applied when a transaction is made on the card For transactions done in the base currency, there is no exchange rate applicable. However, for transactions other than in the Base Currency, VISA MATERCARD wholesale rates or Global Network (Incase of AMERICAN EXPRESS ) rates would apply. What documents are needed during purchaserecharge During purchase of a VKC Forex Global Currency Card, customers need to provide the following: Passport A2 form PAN Form 60 (in case you do not have a PAN number) They would also need to fill up and sign the VKC Forex Global Currency Card application form. The same documents need to be provided at the time of recharge along with the photocopy of the front of the card. The card numbers will be masked in the e mails for security. Can one buy more than one VKC Forex Global Currency Card A customer can buy at most one VKC Forex Global Currency Card (of the same currency) at a time. Heshe can however buy more than one VKC Forex Global Currency Cards in different currencies. Can the card be used in India No the card cannot be used in India, Nepal Bhutan. Balance enquiry is allowed free of charge in ICICI Bank ATM in India. Can a Global Currency Card be recharged over phone or from abroad To reload the card, customers need to remit funds to the ICICI Bank branch or the Money Changer and submit the necessary documents. Customers can get in touch to their money changer or Bank branch for this facility. Corporate travelers can get cards charged by their authorised signatories providing the documents and the necessary funds. Can one retain the foreign exchange on the VKC Forex Global Currency Card after returning to India One can retain the card only if the balance remaining on the card is less than 2000. Else the amount needs to be refunded within 90 days from the date of arrival. In case refund is not made on time, the card would be suspended and the card holder can face legal action. As per RBI regulations. How can I confirm if my card has been charged You would get an SMS confirmation shortly after your card is loaded or reloaded or refunded. You may call up our customer care center also to know your balance. You can login into the website and check the transactions anytime. You can also walk into the nearest ICICI Bank ATM to check the balance on your card (balance will be displayed in rupees) How do I withdraw cash from an ATM using the Global Currency Card Check for VISA MASTERCARD AMERICAN EXPRESS logos at the ATM. Insert the card in the card slot of the ATM Enter the ATM PIN of the card. For the type of cardaccount, please select Credit Card Enter the amount of cash needed. Some of the ATM acquirers charge additional ATM fee. You are advised to check the same before the usage. Is there a limit to the maximum amount of cash that I can withdraw Daily withdrawal Limit This limit has been kept in place to prevent misuse in case you have misplaced the card Are there any charges for using a ATM VISA : There is a charge of 1.50 Dollars for USD Card, 1.50 Euros for Euro card, 1.50 Pounds for GBP Card (and similar amount for other currencies as well) for cash withdrawal from ATMs. The charges for checking the balance through the ATM is 0.50 Dollars for USD Card, 0.50 Euros for Euro Card, 0.50 Pounds for GBP Card (and similar amount for other currencies as well). MASTERCARD : A charge of 1.50 Dollars is levied on ATM Usage while 0.50 dollars are charged for balance enquiry. AMERICAN EXPRESS: A charge of 1.50 Dollars is levied on ATM Usage while balance enquiry option in not available on this card. Service Charges Applicable How can the customer maximize saving using the VKC Forex Global Currency Card The customers can maximize their saving by using the card at POS terminal, swiping the card to make payment rathr than withdrawing currency from ATMs and there by incurring ATM withdrawal charges while there are no charging for POS usage provided swipe is made in the same currency as the card. What if I forget the ATM PIN of the VKC Forex Global Currency Card In case the ATM PIN is forgotten, call the Customer Care center and request for New ATM Pin. The for VISA MasterCard, the same would be provided over the phone. For American Express, the customer would need to generate the same over the IVR. Why would I need a replacement card One may need a replacement card if the card gets stolenlost, or if the magnetic strip stops working. Whom should I contact when I need a replacement card Contact the 24 hour ICICI Bank Customer Care Center on 91 22 2830 7777 for the replacement card. Call 91 22 2830 7777. How fast can I get my replacement card The card would be shipped within 48 hours to select locations serviced by our courier. Will my ATM PIN of the replacement card continue to be the same as the ATM PIN of the earlier card No. the customer will receive a new ATM PIN along with the replacement card. The customer need to use that for transacting at ATMs. How can I apply for a refund on the card To apply for a refund, please visit your nearest VKC Forex branch. You need to fill up an Refund Form and provide copies of your VKC Forex Global Currency Card and your passport. The funds will be returned to you immediately. How long does it take to get the refund Customers can get the refund immediately upto the amount of balance remaining on your VKC Forex Global Currency Card. In case there are some unsettled transactions, there could be an additional delay of upto 7 days. How is the VKC Forex Global Currency Card secured against unauthorised cash withdrawals from ATMs The Global Currency Card comes with advanced security features. To withdraw cash from a VISA ATM using the pre paid card, customers need the confidential ATM PIN which is available only to the customers. The ATM PIN is issued at the time of card purchase. Customers need to remember the 4 digit PIN number and destroy the document. Do not write in on the card. The card would be blocked after 4 unsuccessful PIN attempts. This ensures that anyone having access to the card cannot use the card. What should one do to prevent unauthorised usage in case I lose the card The card comes with zero lost card liability after its loss being reported. Immediately report the loss of the card by calling up the customer care center. ICICI Bank would block the card from any further usage. On request, the Replacement Card can then be activates. In case the Replacement Card is also lost, a replacement card would be shipped to an address of the customers choice. What security features are implemented to prevent unauthorised usage of replacement cards before it reaches you The replacement card would be couriered along with its ATM PIN by courier. The card goes in a deactivated stage. The card can be activated only when the customer call up our Customer Care center and confirm the receipt of the card in proper condition. Without this verification, the card would not be enabled for transactions. What is the HDFC Bank ForexPlus card The HDFC Bank ForexPlus card is a magnetic strip based Pre paid Card introduced in partnership with Visa Mastercard International, which offers you a convenient and secure way to carry your forex cash. This card offers you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates. It can be used at all Visa Mastercard ATMs and Merchant establishment worldwide. This card cannot be used for payments in India, Nepal or Bhutan. What are the currencies available for HDFC Bank ForexPlus card The HDFC Bank ForexPlus card is currently available in 9 currencies, Australian Dollar, AED (Dirhams) Canadian Dollar, Euro, Japanese Yen, Singapore Dollars, Sterling Pound, Swiss Francand US Dollar. Where do I get this card This card is available over the counter at all VKC Forex branches. You simply need to walk into the branch, fill in the required documentation, fund your card and walk out with the Card pack. The card will get activated within hours of the funding being done. How does this card work Your HDFC Bank ForexPlus card will be activated with the loaded AUD AED CAD CHF Euro GBP JPY SGD and USD within hours of the bank getting the clear funds from you. Once active, the card can be used at any international location. (Usage of the card is not allowed in India, Nepal and Bhutan.) The HDFC Bank ForexPlus card works just like a Credit Card for purchase transactions at Merchants Establishments that have an electronic terminal. The only difference is that the transaction amount is directly debited from your HDFC Bank ForexPlus card balance. Your HDFC Bank ForexPlus card is accepted at over all Merchant Establishments displaying the Visa Mastercard symbol. The card can be used to withdraw cash at all Visa Mastercard ATMs worldwide. Irrespective of the currency of the card, the cash will be in the currency of the country. Only ensure that you remember the PIN given to you with the card pack. The same is unique for every card and cannot be changed at any domestic or international ATM. What documents should I submit when I purchase the HDFC Bank ForexPlus card Application form for the HDFC Bank ForexPlus card and the form A2 (or any other Forex Documentation as mandated under FEMA) as well as a Photocopy of your current and valid Passport. How soon can the card be used after it is purchased Your card will be activated with the loaded AUD AED CAD CHF Euro GBP JPY SGD and USD within a few hours of the bank having received the clear funds from you. Post activation, the card is ready for use. Are there any transactions for which this Card should not be used Yes, your card should not be used for temporary charges e. g. paying deposits at hotels, hiring of cars etc. Incase you have paid these deposits using the ForexPlus card and the hotelcar rental agency etc. settles for an amount lesser than the deposit amount or you pay through a different mode the balance amount will get credited into your account only after 35 days from the transaction date. Note: the Bank reserves the right to charge the Card holder for any unauthorized amounts. Can the value of the card be topped up Yes, Remote reload by anybody other than yourself is also possible. The person authorised by you for the same will need to come to the branch with the money and will need to provide the necessary documents. On receipt of the application form and the funds, your card will get reloaded for the desired amount. Can the ATM PIN be changed No, the ATM PIN cannot be changed at any of the HDFC Bank ATMs. What if I forget my ATM PIN You can call the HDFC bank PhoneBanking for assistance. A new PIN will be sent across to your mailing address with the bank. How will I know which ATMs accept the HDFC Bank ForexPlus Card All ATMs displaying the Visa PLUS Mastercard Logo will accept the HDFC Bank ForexPlus Card. Whom should I contact if my card is lost or stolen In case of loss of card please report the loss immediately. Call PhoneBanking 022 6160 6161 or Log on to the online facility for Prepaid Cards on hdfcbank and hotlist your ForexPlus Card You will not be liable for transactions on your Card Account (if any) from the moment your report is registered with the bank. Who should I contact for my replacement Card Is there a charge for replacement You can call the HDFC Bank PhoneBanking number of your city and ask for replacement of your HDFC Bank ForexPlus card. The reissued card will be sent to your domestic address with the bank. The charges for the Reissue of the Card are given in the Schedule of Charges. What is the maximum value for which the Card can be used There is no limit imposed on the usage of the Card. Customers can withdrawutilise any amount, upto the loaded value on the card at any ATMPOS. However, there are some ATMs which have a per transaction limit on every withdrawal that they honor, which cannot be changed by the Bank. Hence, in such cases the cardholder might need to do multiple transactions if he wants to withdraw a higher amount. How to activate e commerce on my card Follow 2 simple steps Step 1: Log on to Prepaid card NetBanking. Step 2: Enable your e commerce transaction facility to make purchase Money Gram MoneyGram is a global leader in worldwide money transfer services, working closely with specially chosen agents in 227,000 locations across 190 countries and territories. We provide a secure way to send and receive money to and from your loved ones worldwide and well make sure that your money gets to where its needed quickly. Why choose MoneyGram Its quick your money is where its needed in just 10 minutes. Its convenient with 227,000 money transfer agents around the world, youre never far away from MoneyGram. Its available to everyone you dont need a bank account or credit card. Its easy just visit a MoneyGram agent and complete one simple form. Its personal you can add a complimentary 10 word message. How do I send money Follow the below 5 simple steps to send money: Step 1: Find a MoneyGram agent. Step 2: Take some personal identification and visit the money agent. Step 3: Complete a simple send form and hand this to the MoneyGram agent along with the money that want to send and the transfer fee. A free 10 word message can be included on the form. Step 4: The agent will provide a reference number. Step 5: Contact the person to whom the money is being sent, and give himher the reference number. The money will be ready to collect in just 10 minutes.. How do you receive money 3 simple steps to receive money: Step 1: Get the reference number from the person who is sending you money and this will help speed up the collection. Step 2: Visit a MoneyGram agent taking some identification and the reference number with you. Step 3: Complete the simple receive form and show the identification. They will then be given your money, usually in the local currency. You may be required to provide personal identification, usually one or more of the following: passport, driving license, national identity card or a government issued identification. Vous pouvez également être tenu de fournir une preuve d'adresse (relevé bancaire ou facture d'électricité). Requirements vary by country so please ask your local MoneyGram agent for acceptable identification formats. Subject to the receiving MoneyGram agents availability and hours of operation, and local regulations. En plus des frais de transfert applicables à une transaction, un taux de change fixé par MoneyGram ou ses agents peut être appliqué. Prix ​​sujets à changement. Inward Remittance Limit It is a fact that there is no need to obtain Foreign Inward Remittance Certificate(FIRC) for any of your remittances to India if they involve your relatives. The FEMA(Foreign Exchange Management Act), who takes care of all the foreign exchanges happening in India, does not specify any restriction to the amount of money sent to India. A reason for that could be to increase the foreign exchange inflows to the country. For business purposes, no need to provide FIRC for getting tax concessions. Thus, if the business is an export business, it is mandatory to have a FIRC for every remittance. Be very suspicious if you receive the following: A check or money order sent to you, with instructions to cash the item at your bank, then send some of the funds to someone else through MoneyGram. If the check is counterfeit your bank will make you cover the loss. Be aware that counterfeit checks are very hard to identify. A telephone call telling you that you have won money or a prize and that you need to send money to pay for taxes, customs fees, etc. A response to your newspaper ad for a lost pet or lost personal items, as fraud perpetrators are known to use the classified ads to contact people and pretend they have found their lost item. A suggestion from a stranger to send money to a friend or relative as a show of good faith because legitimate business is not conducted this way. You will be told that, by sending the money in the name of a friend, they will not be able to collect the funds. That is not true. Con artists often use fake identification to pretend to be someone else. An email that appears to be from MoneyGram, no matter how real it looks. We are not an Internet escrow or shipment service and will NEVER send an email confirmation to inform a person that they have received a MoneyGram transfer for payment of an Internet purchase. Instructions to mislead MoneyGram are a clear warning sign that something might be wrong. Con artists will be familiar with MoneyGrams efforts to prevent fraud. If someone tells you to not share the details of your transaction with MoneyGram, then you should not continue with the transaction. Here are some ways you can protect yourself: Buying items on the Internet. Be very careful if you are sending money to pay for merchandise purchased online. Many Internet auction sites provide an assured payment system that offers greater protection for the buyer and seller. Using the MoneyGram money transfer service. For the convenience of our customers, some transactions sent to a specific destination may be received in another country. Please do not assume your money transfer is safe because you specified a country for the transaction. Also, if a recipient has photo identification and knows pertinent information about the transaction and the sender, a reference number or the answer to a test question may not be required to pick up the transaction. Please be careful to whom you send money, keeping your transaction information confidential, and be suspicious of anyone who wants you to send money to them (or someone else) with a test question. It may be too good to be true. Research thoroughly before sending money in response to a newspaper or magazine ad for airline, concert or similar tickets. The same is true for offers of loans or credit cards where you are asked to send money for fees before signing any documents. Be suspicious of very cheap deals. MoneyGram cannot ensure that the goods or services you are paying for will be received. Here are some resources available to you in the United States: Report fraud. To report fraud to the Internet Fraud Complaint Center, visit ic3.gov. This is a partnership between The FBI and the National White Collar Crime Center. For a list of different types of fraud schemes or to report a fraud, you can also visit consumer. govsentinel. Call before you send money. If you are suspicious, contact the Better Business Bureau, AARP or your local Attorney General before sending any money. Canadian fraud. Many scams ask for money to be sent to Canada. For Canadian issues, call PhoneBusters toll free at 1 888 495 8501 this is a joint effort of U. S. and Canadian law enforcement to fight telemarketing fraud. FRAUD WARNINGS STOP Please read the questions below carefully to help us protect you from becoming a victim of fraud or a scam. Are you sending money: to someone you dont know or whose identity you cannot verify to prove to someone that you have the available funds to buy a car, other goods, or to rent a property Are you being asked by any 3rd party to provide any details about this transaction in part or in full by phone, email, fax or website to buy a product service or a pet via the internet or anywhere else in response to any offer that sounds very cheap in comparison to their expected price or looks too good to be true to claim lottery or prize winnings, inheritance, for a guaranteed credit card, loan offer, refund of bank charges or attractive investments in response to an internet offer, letter or phone call that asks you to send money for a job offer or mystery shopping or a charity to someone at home or overseas who claims to be your relative needing cash for an emergency and you are unable to verify independently if the caller and the claims are genuine to someone you met in an on line chat room or dating web site for financial assistance Examples: airplane ticket, medical bills, helping a relative, cashing a check, investing in a business deal, etc. to buy goods and services from someone who specifically recommends money transfer through MoneyGram as the preferred mode of payment IF you answered YES to any of these questions, DO NOT SEND the money transfer someone may be trying to STEAL YOUR MONEY. Remember neither MoneyGram nor its agents will be liable if you ignore the fraud warnings above and still choose to send money for any of the reasons listed above. Send Money Fast With Western Union Money Transfer, its quick and easy to send money to your family back home in India. Our money transfer options offer you the convenience and dependability you need and the peace of mind you deserve. What is Western Union Western Union Financial Services, Inc. is a global leader in money transfer and messaging services. Known for its pioneering telegraph service, Western Union dates back to 1851 and introduced electronic money transfer service in 1871. Western Union has thousands of Agent locations in countries and territories worldwide. What is the Western Union Money Transfer service to India You can use cash to send money to India from participating Agent locations around the world. You can also send money to India online or by phone from the U. S. and Canada. Use your credit or debit card to send online or by calling 1 800 CALL CASH. If you use your credit card, you may be charged an additional cash advance fee by your card issuer for this service. U. S. or Canadian bank issued cards only. Who uses the Western Union Money Transfer service Anyone who needs to send money quickly and reliably. What are the benefits of using Western Union to send money Its RELIABLE Each transfer is protected by an advanced worldwide security system and can be verified with a unique Money Transfer Control Number (MTCN). In addition, Western Unions Agent locations in India are authorized by the Reserve Bank of India. Its FAST money is available minutes after it is sent, subject to Agent locations hours of operation. Its CONVENIENT its your choice. You can send money to India online, by phone, or from an Agent location. Plus, theres no need to have an account. With thousands of Agent locations worldwide, theres sure to be a Western Union Agent location thats convenient for you. Can money be sent from India No. Western Union offers receive or payout service only in India. Can a business use the Western Union Money Transfer service to send money No. Due to Indian government regulations, the use of the Western Union Money Transfer services to India by businesses is not permitted. Is Western Union authorized by the Reserve Bank of India (RBI) Western Unions Agents in India are authorized by the Reserve Bank of India. Do I need a bank account to use the Western Union Money Transfer service To send or receive money at an Agent location, Western Union does not require credit cards, bank accounts, memberships or citizenship papers. Receivers in India may need to show a currently valid government issued photo ID. Additional information may be necessary to meet government requirements depending on the amount being sent or received. To send money online, you will need a U. S. or Canadian based Visa or MasterCard credit or debit card. To send money via 1 800 CALL CASHSM, you will need a U. S. or Canadian based Visa, MasterCard or Discover credit or debit card. How much money can I send to India via Western Union There is a 2,500 US Dollars maximum limit set for remittances to India due to the regulations of the Reserve Bank of India What currencies can I send via Western Union Generally, Agent locations only except cash in local currency. You cannot send money from India. The receiver in India will be paid out in Indian rupees. How do I send money at a Western Union Agent location A customer completes a To Send Money form at a Western Union Agent location. The clerk at the Agent location collects the transfer amount plus applicable fees and processes the transaction. The sender receives a Money Transfer Control Number (MTCN) to track the status of the order and to share with the receiver to pick up the funds in India. How do I send money over the telephone or online You will need a U. S. or Canadian based credit or debit card to send your money over the phone at 1 800 CALL CASHSM or online. Other fees may apply. What is the MTCN and why do I need it The Money Transfer Control Number (MTCN) is a number printed on your receipt that allows you and Western Union track your transaction. It is also required for the receiver to have the MTCN to pick up funds in India. How can I ensure that my money gets there quickly Supply correct contact details in case Western Union needs to contact you. Also, be sure to have your recipients correct full name and address. The recipient will be required to show valid identification and the MTCN. How can I pay for a Western Union Money Transfer transaction All Western Union Money Transfer transactions sent from an Agent location must be paid in cash. Transactions originated by telephone 1 800 CALL CASHSM and online must be paid for via a U. S. or Canadian based credit or debit card Where can money be picked up in India Western Union Agents are independent businesses that provide money transfer service to their customers on behalf of Western Union. In India, money may be picked up at any of the more than 50,000 participating Agent locations in over 650 cities: Home delivery is also available nationwide in India. Cash will not be delivered via home delivery option. check or draft must be deposited into the bank account of the receiver only and is subject to clearing procedures of the local bank. Call 1 800 325 6000 in the U. S. or Canada. In India call 1 600 44 1851 How can I find a Western Union Agent location In the U. S. the South Asian toll free number is 1 800 435 2226 where customer service representatives can assist you in Hindi, Tamil, Malyalam, Urdu and English. Customers can also find an Agent location online. For any inquiries in India reach us at: 91 80 2222 1851 1 800 425 1851 (Toll Free line, available to all MTNLBSNL users in India) Users in India can SMS WU CALL and send to 53636 for a call back in some time. Charges Apply How many Western Union Agent locations are there in India There are more than 50,000 Western Union Agent locations in India. How do I receive money at a Western Union Agent location The receiver completes a To Receive Money form at any Western Union agent location and provides a valid government issued photo ID. The clerk at the Agent location then pays funds to recipient. How long does it take to send money via the Western Union Money Transfer service Transfers are completed and money is available for pick up at receiving Agent locations in India within minutes. (Subject to transaction approval and hours of operation of receiving Agent locations.) Will my receiver be paid in cash Maximum cash payout amount for Indian nationals is 50,000 IN Rupee payouts over 50,000 IN Rupee will be paid by local check. There is no cash payout limit for foreign passport holders in India. Cash will not be delivered via home delivery option. check or draft must be deposited into the bank account of the receiver only and is subject to clearing procedures of the local bank. What type of exchange rate does Western Union apply to its transactions In addition to the transfer fees applicable to the transaction, a currency exchange rate set by Western Union will be applied. The exchange rate applied by Western Union provides customers with less foreign currency per dollar than Western Union receives when it obtains foreign currency. Western Union keeps the difference. The exchange rate varies daily. For information concerning the current currency exchange rates provided by Western Union, in U. S. call toll free to 1 800 435 2226. Outside of the U. S. please contact your local Agent location. Will my receiver have to pay any charges on the money sent No. The sender pays all fees How do I know if my receiver has picked up the money From the U. S. to verify if the receiver has picked up the money or to track your transaction, call 1 800 432 2226 or track the status online. For better results, be sure to have your MTCN (Money Transfer Control Number) available. During what hours is the Western Union Money Transfer service available Western Union provides service 24 hours a day, 365 days a year. Each Agent location determines its own hours of operation, although many Agent locations maintain extended hours of operation and some are open 24 hours a day. Restrictions and Special Notes Receiving in India: As a government requirement, maximum payout amount is not more than 2,500 US dollars (or IN Rupee equivalent) per transaction. Sender threshold amount has therefore been set at Indian Rupees 111,317 to ensure exchange fluctuations do not result in the transaction being declined to the receiver. Maximum cash payout for all Indian nationals and all residents (Indian or Foreign) is 50,000 IN Rupee Payouts over 50,000 IN Rupee will be paid by local crossed check only. There is no cash payout limit for foreign passport holders in India. As a government requirement, a payee can only receive a maximum of 12 transactions per calendar year. Receiver must present valid identification. Receiver must present correct money transfer Control Number (MTCN). Will Call transfers to the states and Islands of Tamil Nadu, Kerela, Andhra Pradesh, AndamanNicobar or Pondicherry will be charged a special flat fee per transaction, regardless of principal amount being sent. The implementation of this special pricing for India is on a state level for Indias coastal regions. General Information: Senders full address must be included on all money transfers to India. Pursuant to Indian government regulations, money transfer payments are reserved for private consumer use only and cannot be used for commercial or business purposes, for purchase of property, or for investments. Test Question is not allowed. Paying location is required to maintain a photocopy of identification documents presented by the Receiver. A new International Money Transfer destination has been created called India Tsunami Region for transfers to these regions. Please verify the destination state with the sender before sending to India. Money Transfer payments are reserved for private consumer use only and cannot be paid for commercial or business purposes, for purchase of property, or for investments. Online Fraud Sending money to someone you dont know You could be at risk for consumer fraud. The Western Union Money Transfer service is a great way to send money to people you know and trust. If you need to send money to someone you dont know well, you may be putting yourself at risk for fraud. Because we care about consumers, Western Union urges you to protect yourself from fraud by considering the following: Never send money to a stranger using a money transfer service. Beware of deals or opportunities that seem too good to be true. Dont use money transfer services to pay for things like online auction purchases. Never send money to pay for taxes or fees on foreign lottery winnings If you think you have been a victim of fraud, please contact your local Western Union Agent. What is the American Express GlobalTravel Card The American Express GlobalTravel Card is a prepaid, reloadable Card that provides you with a more convenient, secure way to manage your money while you are travelling. Its not a credit or debit card. Its a prepaid Card, which means you load funds onto the Card and can then use the Card to make purchases virtually anywhere American Express is accepted outside of India including at ATMs to withdraw cash. Since its prepaid, theres no risk of spending more funds than you have on the Card. Packed with travel friendly features, the American Express GlobalTravel Card also includes free access to emergency assistance, if needed, during your journey. And its all backed with the world class service offered from American Express. Do I need to do anything before using my American Express GlobalTravel Card Before using your Card, sign the back, where indicated. Memorise or change the 4 digit Personal Identification Number (PIN) contained within the Welcome Pack, and then destroy the printed PIN information. To change your PIN, call Customer Service or go online. To view your PIN online, log in to your account. Keep your Backup Card safe and store it separately. What is my PIN How can I change my PIN This is a unique 4 digit number assigned to your Card enabling you to securely withdraw cash from ATMs that accept American Express, outside India. This 4 digit PIN number should be known only by you, and it is important to protect the security of your Card and PIN at all times. To change your PIN to a more memorable number, call Customer Service or go online. To view your PIN online, log in to your account. How can I check my balance or view my transaction history You can check your balance and view your transaction history online at any time. To check your balance online now, log in to your account. To retrieve this information by phone, you may call Customer Service, 24 hours a day, 7 days a week. Do my American Express GlobalTravel Card funds have an expiration date No. While there is a valid thru date indicated on the front of the Card, the available funds on the American ExpressGlobalTravel Card do not expire. The valid thru date is simply required to ensure that the Card can be used at merchants that request andor require customers to provide a plastic expiration date during the transaction process. You may not use the Card after the valid thru date, but you can request a new Card be sent to you at no additional cost so you can use your remaining funds. What should I do if my American Express GlobalTravel Card is lost or stolen If your Card is lost, stolen or used improperly, call Customer Service for assistance. Our Customer Service Center, open 24 hours a day, 7 days a week, will assist in activating your Backup Card and blocking usage of the lost or stolen Card. You will need to sign the back of your Backup Card immediately, and either memorise the enclosed PIN, or change it to a more memorable PIN. You will not need to re register your Card online. We will do this for you upon activation. In the event both Cards are lost or stolen, we can deliver a new Replacement Card to any location at no cost, and if necessary we can arrange emergency access to the funds available in your Card account, anywhere in the world, via Western Union. What should I do if I need help in an emergency Sometimes the unexpected happens when you travel. A passport is lost. You come down with a sudden illness. A lawyer is needed. Being a Card member can make things easier to handle. Global Assist Services help you prepare for your trip with customs information and destination guides. And while youre travelling overseas, lost passport replacement assistance, translation services, lost luggage assistance, and emergency legal and medical referrals are only a phone call away. For a detailed list of our Global Assist benefits, download the Global Assist Services guide. Note: While Global Assist coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third party service providers. Global Assist services are not meant to replace any travel insurance. How can I close my American Express GlobalTravel Card account In the event that you decide to close your American Express GlobalTravel Card account, call Customer Service. You can visit a participating branch location of the seller where you purchased the Card and ask for a reimbursement of available funds. Once your account is closed, please destroy any Cards by cutting them in half and disposing of them securely. To close your account if there is no balance remaining, call Customer Service. For more details on account closure, please refer to the Product Terms Conditions. Can the American Express GlobalTravel Card have a negative balance If a merchant authorises a transaction for an amount greater than your actual available balance, the American ExpressGlobalTravel Card will generally be declined. However, in rare circumstances, a merchant may process a transaction without prior authorization, or an amount greater than a Cards actual available balance may be authorised. If this occurs, you may be notified to load more funds onto the Card, or make a direct payment to cover the negative amount, but will not be charged an overdraft fee. While this does not happen often, it is important to keep track of your balance and reload funds as needed. To check your balance online now, log in to your account. To retrieve this information by phone, you may call Customer Service, 24 hours a day, 7 days a week.