Note: This is a prepaid forex (travel) card, not a credit card — you pre-load foreign currency onto it before travel.

Verified against Axis Bank / Wise (June 2026): A reloadable multi-currency prepaid forex card that loads 16 currencies (USD, EUR, GBP, SGD, AUD, CAD, JPY, CHF and more), with 5-year validity. Rates are locked at load, shielding you from fluctuations. Fees: ATM withdrawal ~USD 2.25/transaction + 0.5% cash-advance fee (max USD 75); cross-currency fee 3.5% if you spend in a currency not loaded. Up to ₹3 lakh lost/stolen-card insurance (not ATM). Accepted at 10M+ ATMs / 80M+ merchants. Axis loads at its published rate (may include a markup). Confirm current rates/fees on axisbank.com before buying.

Axis Bank Multi-Currency Forex Card Review

Axis Bank · Prepaid multi-currency travel card · Visa/Mastercard

Our score: 7.0 / 10

16 currencies

5-year validity

Rate lock-in

Prepaid (not credit)

The Axis Bank Multi-Currency Forex Card is a prepaid travel card you load with foreign currency before a trip — one card for many countries, with rates fixed at load. Here is the verified review.

TL;DR: A reloadable prepaid forex card holding 16 currencies with 5-year validity. Load at Axis’s published rate to lock in your exchange rate and avoid cross-currency charges when spending in a loaded currency (3.5% if not loaded). Watch the ATM-withdrawal fee (~USD 2.25 + 0.5%). A convenient multi-country travel card; compare the load markup against true-zero-markup options.

What we like

Loads 16 currencies on one card
5-year validity; rate locked at load
No cross-currency fee when spending in a loaded currency
Up to ₹3 lakh lost/stolen-card insurance
Wide ATM & merchant acceptance

Watch out for

Load rate may include a markup
3.5% cross-currency fee on non-loaded currency
ATM withdrawal fee (~USD 2.25 + 0.5%)
Insurance excludes ATM withdrawals
It’s prepaid — no rewards/credit

Fees & details

Item	Detail
Type	Prepaid multi-currency forex card
Currencies	16; 5-year validity
ATM withdrawal	~USD 2.25/txn + 0.5% (max USD 75)
Cross-currency fee	3.5% (currency not loaded)
Insurance	Up to ₹3 lakh (lost/stolen; not ATM)
Acceptance	10M+ ATMs / 80M+ merchants

Who this card is for

Best fit: travellers visiting multiple countries who want to lock in rates on one prepaid card.
Skip if: you want true zero markup (compare BookMyForex/Niyo) or rewards.

How to get it

Buy/load: via axisbank.com or a branch before travel; reload through the app. Compare the load rate against zero-markup cards.

Final verdict

The Axis Multi-Currency Forex Card is a solid, widely-accepted prepaid travel card — 16 currencies, rate lock-in and good acceptance. The main consideration is the load markup and ATM fees; for pure cost-efficiency, weigh it against true-zero-markup forex cards.

Frequently asked questions

Is this a credit card?

No — it’s a prepaid forex (travel) card. You load currency before travelling.

How many currencies can it hold?

16 currencies, with 5-year validity.

What’s the cross-currency fee?

3.5% if you spend in a currency not loaded on the card.

Are there ATM fees?

Yes — about USD 2.25 per withdrawal plus a 0.5% cash-advance fee (max USD 75).

Data current as of June 2026, cross-checked against Axis Bank and aggregators. Forex rates/fees change daily — confirm on axisbank.com before buying.