HDFC Forex Card Load 5X Reward Points Offer

Ram1 · Feb 27, 2025

FinanceBaBa said:
How you cancelled the card.?

Customer care,they took 3 working days

FinanceBaBa · Feb 27, 2025

As im planning for Thailand trip next month.. Just did a small calculation of loading regalia forex with usd 1000@89 appx.
considering 2 times cash withdrawal of entire amount with charges of USD 4*2 and thb 220*2.. Withdrawable USD will be appx usd 975.
After netting off the above charges and 5x points of appx 14800, net dollar rate is coming to 78.2 which is much better than carrying usd/thb from India.

Anilpal28 · Feb 28, 2025

FinanceBaBa said:
As im planning for Thailand trip next month.. Just did a small calculation of loading regalia forex with usd 1000@89 appx.
considering 2 times cash withdrawal of entire amount with charges of USD 4*2 and thb 220*2.. Withdrawable USD will be appx usd 975.
After netting off the above charges and 5x points of appx 14800, net dollar rate is coming to 78.2 which is much better than carrying usd/thb from India.

What is the maximum u can withdraw from an ATM.. Also which bank are u thinking to try..

Anilpal28 · Feb 28, 2025

bhavyegoel said:
5X Reward Points Offer

Make every online load and reload on your HDFC Bank ForexPlus Card more rewarding! Use your HDFC Bank Credit Card and activate the power of 5X Reward Points Multiplier on every transaction.
View attachment 82723
5X Reward points offer details

Customers can earn 5X Reward Points for every Forex Card load/reload transaction made using eligible HDFC Bank Credit Cards.

Minimum Transaction Value: Rs15,000 per transaction.

Maximum Reward Points (RP): Customers can earn a maximum of 15,000 Reward Points per calendar month during the offer period.

Offer Period:
The 5X Reward Points Offer is valid for load / reload transactions settled between 1st January 2025 and 31st March 2025.

https://offers.smartbuy.hdfcbank.com/offer_details/5x-rewards-points-offer/26166/Z2mkmWk%3D

Card Type
Base Earn Rate (1X)
Additional 4XRP Capped at
15,000 RPs
Total: 5X RP
Max Spends for 5X
HDFC Bank Regalia First
3RP/Rs.150
12RP/Rs. 150
15 RP/ Rs. 150
187500
HDFC Bank Regalia
4RP/Rs.150
16RP/Rs. 150
20 RP/ Rs. 150
140625
HDFC Bank Regalia Activ
4RP/Rs.150
16RP/Rs. 150
20 RP/ Rs. 150
140625
HDFC Bank Regalia Gold
4RP/Rs.150
16RP/Rs. 150
20 RP/ Rs. 150
140625
HDFC Bank Diners Privilege
4RP/Rs.150
16RP/Rs. 150
20 RP/ Rs. 150
140625
HDFC Bank Diners Black
5RP/Rs.150
20RP/Rs. 150
25 RP/ Rs. 150
112500
HDFC Bank Diners Black Metal
5RP/Rs.150
20RP/Rs. 150
25 RP/ Rs. 150
112500
HDFC Bank Infinia
5RP/Rs.150
20RP/Rs. 150
25 RP/ Rs. 150
112500
HDFC Bank Infinia Metal
5RP/Rs.150
20RP/Rs. 150
25 RP/ Rs. 150
112500

The offer is applicable exclusively for load / reload of HDFC ForexPlus Cards done using an HDFC Bank Credit Cards: HDFC Bank Regalia First, HDFC Bank Regalia, HDFC Bank Regalia Activ, HDFC Bank Regalia Gold, HDFC Bank Diners Privilege, HDFC Bank Diners Black, HDFC Bank Diners Black Metal, HDFC Bank Infinia and HDFC Bank Infinia Metal Credit Card

5X reward points will be credited as: 1X reward points + additional 4X Reward Points. Additional 4X reward points are capped at 15,000 reward points per calendar month. 1X reward points will continue as is without any capping

A minimum spend of Rs. 15,000 per transaction is required to be eligible for additional 4X reward points

The limits are over and above the limits of HDFC SmartBuy

Issuance Fee Waiver Offer
There is another offer running on the issuance of an HDFC ForexPlus card where the joining fees get waived if you load a minimum of 1,000 USD or equivalent value of another currency. Check this out.

https://offers.smartbuy.hdfcbank.com/offer_details/forex-card-offers/10366/ZmOmmWk%3D

My Experience
Since I have an international trip planned next month to Japan I tried to apply HDFC ForexPlus Card (multicurrency card) and load some 2,00,000 Yen to the card to compare the actual reward rate. While Google is showing the exchange rate of 2L Yen equal to 112150 INR, HDFC is charging me some 1,16,695 INR including loading charges of around 195. It equates to a direct loss of approximately 4.01% since HDFC has higher Forex rates. But with a 16.66% (5X) reward rate on my Diners Club Black credit card, this deal is too good since it would leave me a net reward rate of 12.65% which handsomely beats even the reward rates of Axis Olympus and Axis Reserve. This is a good offer especially if you hold Diners Black or above credit cards.

Loading in USD is proving to be much cheaper since only approximately 2% charge is being applied so if you want to get a card then go for Regalia Plus Forex card since although it can be loaded only in USD but can be used to pay in any currency worldwide since it has zero cross currency markup charges.

View attachment 82721 View attachment 82722View attachment 82736

I hold Diners Black and I have loaded 1000Usd..Diners black has a capping of 2.5k per day.. will they give full 4x upto 15k or only 2.5k

Anilpal28 · Feb 28, 2025

I hold Diners Black and I have loaded 1000Usd..Diners black has a capping of 2.5k per day.. will they give full 4x upto 15k or only 2.5k

Ram1 · Feb 28, 2025

Anilpal28 said:
I hold Diners Black and I have loaded 1000Usd..Diners black has a capping of 2.5k per day.. will they give full 4x upto 15k or only 2.5k

Both cappings are different. U will get full 15k

FinanceBaBa · Feb 28, 2025

Anilpal28 said:
What is the maximum u can withdraw from an ATM.. Also which bank are u thinking to try..

As per youtube and google one can withdraw 20k bht in a single transaction.. And most of the atm charge 220 bht as fees..
Haven't thought of any yet as such..

sahilcapricorn · Feb 28, 2025

For Thailand most ATMs allow withdrawal upto 20k baht in one txn. Only Krungsri allows 30k in one go.. Those are yellow colored ATMs.
Withdrawal charge is 220 bath..

Best is to look for Krungsri ATM which are available in abundance in cities, albeit not on airport, and withdraw 30k each time

Anilpal28 · Feb 28, 2025

sahilcapricorn said:
For Thailand most ATMs allow withdrawal upto 20k baht in one txn. Only Krungsri allows 30k in one go.. Those are yellow colored ATMs.
Withdrawal charge is 220 bath..

Best is to look for Krungsri ATM which are available in abundance in cities, albeit not on airport, and withdraw 30k each time

I heard Aeon atm charges the least.. it’s only 150bhat.. is it true..

sahilcapricorn said:
heard

shadow28 · Feb 28, 2025

Anilpal28 said:
I heard Aeon atm charges the least.. it’s only 150bhat.. is it true..

They've been phasing out their ATMs there, I don't think you'll find any active ones.

Anilpal28 · Feb 28, 2025

shadow28 said:
They've been phasing out their ATMs there, I don't think you'll find any active ones.

I also heard that we can go to Bangkok bank branches or other Pvt banks and withdraw directly from them without charges.. has anyone tried. Also heard that some currency exchange counters accept cards and we can exchange currency.. Will that work cheaper

shadow28 · Feb 28, 2025

Anilpal28 said:
I also heard that we can go to Bangkok bank branches or other Pvt banks and withdraw directly from them without charges.. has anyone tried. Also heard that some currency exchange counters accept cards and we can exchange currency.. Will that work cheaper

Haven't tried getting currency directly from a bank, but the currency exchange counters charge a very hefty markup fee. It will certainly be much more expensive than using an ATM and paying a flat fee, unless you're planning to withdraw cash multiple times (I usually withdraw only 1-2 times).

Anilpal28 · Feb 28, 2025

shadow28 said:
Haven't tried getting currency directly from a bank, but the currency exchange counters charge a very hefty markup fee. It will certainly be much more expensive than using an ATM and paying a flat fee, unless you're planning to withdraw cash multiple times (I usually withdraw only 1-2 times).

To maximise the benefit, I have loaded 1L in each card.. One from Infinia and another from Diners Black.. I would also be loading 1L more in both the accounts for 30k points in each account..

sahilcapricorn · Mar 1, 2025

Anilpal28 said:
I heard Aeon atm charges the least.. it’s only 150bhat.. is it true..

True but you'll spend bomb of your time finding them.. They're rare

Avatar Aang · Mar 2, 2025

What happens to unused USD in Regalia Forex card?
Can we withdraw it?

My parents will be travelling abroad in the month of May and I was planning to get the Regalia Forex card and load it with friends DCB. Forex card will be in the name of person A and DCB is in the name of person B. Will it still get 5X RP?

meharshsanghavi · Mar 2, 2025

Did anyone get the Bonus Points as yet?
Can you see it on mycards or So?

FinanceBaBa · Mar 2, 2025

Tried to book on agoda through the forex card.. Transaction got declined.
So it's not working on Agoda.

Harry1 · Mar 2, 2025

FinanceBaBa said:
Tried to book on agoda through the forex card.. Transaction got declined.
So it's not working on Agoda.

In INR or foreign currency?

FinanceBaBa · Mar 2, 2025

Harry1 said:
In INR or foreign currency?

In Thai bhat..

Anilpal28 · Mar 3, 2025

Did anyone get 4x points for loading forex.. As of now only 1x is credited.. Can anyone confirm

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