IDFC FIRST Multi-Currency Forex Card Review
The IDFC FIRST Multi-Currency Forex Card is a low-fee prepaid travel card — 14 currencies, no issuance or reload fees and three free ATM withdrawals a month. Here is the verified review.
- 14 currencies on one prepaid card
- No issuance, loading or reload fees
- 3 free ATM withdrawals per month
- Travel insurance (misuse/theft)
- Wide Visa acceptance abroad
- 3.5% + GST cross-currency markup (non-base currency)
- Load rate may include a markup
- ATM fee after 3 free withdrawals/month
- Not usable in India/Nepal/Bhutan
- Prepaid — no rewards/credit
Fees & details
| Item | Detail |
|---|---|
| Type | Prepaid multi-currency forex card |
| Currencies | 14 |
| Issuance/loading/reload | No fees |
| ATM withdrawals | First 3/month free |
| Cross-currency markup | 3.5% + GST (non-base currency) |
| Acceptance | Visa worldwide (except India/Nepal/Bhutan) |
Who this card is for
- Best fit: travellers wanting a low-fee bank forex card with free ATM withdrawals.
- Skip if: you want true zero markup or rewards.
How to get it
Buy/load: via idfcfirstbank.com or a branch before travel; reload online.
Final verdict
The IDFC FIRST Multi-Currency Forex Card is a low-fee, well-structured prepaid travel card — 14 currencies, no issuance/reload fees and free monthly ATM withdrawals. The load markup and 3.5% cross-currency fee are the costs to watch; for the cheapest forex, compare true-zero-markup cards.
Frequently asked questions
Is this a credit card?
No — it’s a prepaid forex (travel) card.
How many currencies?
14 currencies on one card.
What are the fees?
No issuance, loading or reload fees; first 3 ATM withdrawals a month are free; 3.5% + GST cross-currency markup on non-base-currency spends.
Where can I use it?
At Visa merchants worldwide except India, Nepal and Bhutan.
Data current as of June 2026, cross-checked against IDFC FIRST Bank and aggregators. Forex rates/fees change — confirm on idfcfirstbank.com before buying.