HDFC Forex Card Load 5X Reward Points Offer

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.

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/ HDFC Biz Power​	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/HDFC Biz 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.

 

[mayankpatel]

I bought at 88.7 10 days back. 2000 INR loss 😥.

INR will depreciate in long term. Just wait!

 

[sagarlakhisarani]

Hi Everyone!

I have a question, firstly I have 4 hdfc cards 2 Biz Black, Infinia and Diners Black. But, both the biz black cards are on floater, so if I use all the cards to load my forex card, would I still receive 5x points on all the cards? Or only on the main cards i.e. Infinia and Diners Black.

Secondly, I read there’s this hack to transfer your money again to the bank account after fee days, how safe is it? I hope hdfc doesn’t penalise or something. Because I have already loaded my forex card from my 2 cards last month.

Thirdly, what’s the validity of the forex money loaded. I hope i can use the money whenever i want like after 1 or 2 years?

Edit - Is it too late to order a forex card in the name of my family member or say a non personalised card? Will I still get 5x rewards if I apply it today? Because I just read that we cannot put more than 2000$ in one card.


@bhavyegoel @TechnoFino

 

[Avatar Aang]

Hi Everyone!

I have a question, firstly I have 4 hdfc cards 2 Biz Black, Infinia and Diners Black. But, both the biz black cards are on floater, so if I use all the cards to load my forex card, would I still receive 5x points on all the cards? Or only on the main cards i.e. Infinia and Diners Black.

Secondly, I read there’s this hack to transfer your money again to the bank account after fee days, how safe is it? I hope hdfc doesn’t penalise or something. Because I have already loaded my forex card from my 2 cards last month.

Thirdly, what’s the validity of the forex money loaded. I hope i can use the money whenever i want like after 1 or 2 years?

You can load with your floater card as well. You can keep less than 2000USD. Forex card validity is 5 years. If you have already loaded 2K USD then consider getting a new forex card in family members name.
Not sure about the refund to bank account trick. I think it should be safe to transfer back the amount after 7-8 months.

 

[sagarlakhisarani]

You can load with your floater card as well. You can keep less than 2000USD. Forex card validity is 5 years. If you have already loaded 2K USD then consider getting a new forex card in family members name.
Not sure about the refund to bank account trick. I think it should be safe to transfer back the amount after 7-8 months.

Oh!!! I had no idea about keeping it below 2000$
So I can only fill like 700$ in the card.


But, is it too late to order a new card on my family member’s name? Because its already 28th!!

You think I would still get 5x rewards???

 

[maverickgenius]

I loaded my forex card today using my DCB. Mycards shows as "unsettled". The terms say 5x rewards are eligible if settled before 31st March. How much time does it usually take to be settled?
@thanix @BVC @sourpai

 

[Avatar Aang]

I loaded my forex card today using my DCB. Mycards shows as "unsettled". The terms say 5x rewards are eligible if settled before 31st March. How much time does it usually take to be settled?
@thanix @BVC @sourpai

Once your forex is loaded successfully

 

[sunit123]

Once your forex is loaded successfully

In my case forex is loaded after 5 days from the date of placing the order and that too i picked up the card from branch same day of receiving sms.

In short, anyone who booked this card on or after 25th Mar will not get 5x rewards as sunday is holiday

 

[maverickgenius]

Once your forex is loaded successfully

In my case forex is loaded after 5 days from the date of placing the order and that too i picked up the card from branch same day of receiving sms.

In short, anyone who booked this card on or after 25th Mar will not get 5x rewards as sunday is holiday

I applied for the non-personalized card yesterday, picked up card and activated yesterday. Forex is loaded today. Still, the mycards portal for my DCB shows the transaction as unsettled. Will wait and see.

 

[sourpai]

I reloaded again via Biz black today at 87.25... cumulative load is more than 2000 usd via 2 loads... so 2000 usd limit is not an issue while loading at least

 

[Avatar Aang]

I applied for the non-personalized card yesterday, picked up card and activated yesterday. Forex is loaded today. Still, the mycards portal for my DCB shows the transaction as unsettled. Will wait and see.

You should get bonus points.

I have collected the card from branch. However the card has already expired in Oct 24.
Now I have received SMS that the load has failed as the card is inactive and I'll have to get a new kit tomorrow.

Yesterday I applied for forex card for 2nd time and loaded 1287USD. Today picked up the card from branch. This one has a validity till 2029. Activated the card in afternoon. Just now received a sms that forex load is on hold as the card is inactive. WTF is going on? This is so frustrating.

 

[Harry1]

I loaded my forex card today using my DCB. Mycards shows as "unsettled". The terms say 5x rewards are eligible if settled before 31st March. How much time does it usually take to be settled?
@thanix @BVC @sourpai

Lol so many people replying incorrectly with full confidence 🤦‍♂️.

Settlement is for credit card, not at all related to forex card loading. It will settle in 2 days irrespective of when forex card is loaded. U will get 1x on 3rd day and remaining 4x by 7th of next month. Doesn't matter if ur forex card loads tomorrow or after 10th.

 

[maverickgenius]

Lol so many people replying incorrectly with full confidence 🤦‍♂️.

Settlement is for credit card, not at all related to forex card loading. It will settle in 2 days irrespective of when forex card is loaded. U will get 1x on 3rd day and remaining 4x by 7th of next month. Doesn't matter if ur forex card loads tomorrow or after 10th.

Exactly! My question was for the credit card settlement. Thanks!

 

[Avatar Aang]

Lol so many people replying incorrectly with full confidence 🤦‍♂️.

Settlement is for credit card, not at all related to forex card loading. It will settle in 2 days irrespective of when forex card is loaded. U will get 1x on 3rd day and remaining 4x by 7th of next month. Doesn't matter if ur forex card loads tomorrow or after 10th.

Correct. I replied in my context. My transaction was settled. Received 1x points. However the forex load transaction was unsuccessful. Hence the transaction on credit card was also reversed. Now I am sure I won't get the remaining 4x points. Hence, in case the forex load fails OP will loose the 4x points.

 

[sunit123]

Lol so many people replying incorrectly with full confidence 🤦‍♂️.

Settlement is for credit card, not at all related to forex card loading. It will settle in 2 days irrespective of when forex card is loaded. U will get 1x on 3rd day and remaining 4x by 7th of next month. Doesn't matter if ur forex card loads tomorrow or after 10th.

My transaction was unsettled for 5 days till forex is loaded...The transaction was settled on 5th day and also 1x rewards was credited on 5th day (Both after forex is loaded)

I checked with my RM and she told that till forex is loaded amount is kept in escrow account similar to all forex transactions in country including inward/outward remittance and swift etc. The reason being, if KYC fail or something goes wrong then it is reversed from escrow account

 

[darkjediknight]

Can anyone please share their experience of non-personalized regalia forex card home delivery facilitated by Ebixcash?
I got the card delivered yesterday, they made me fill the form and took my passport copy with it. Now, what do I need to activate card? Will they activate it for me? Do I just try to login in the prepaid card netbanking portal? Or will HDFC send a separate activation link like they do for personalized cards?

Edit: The transaction on the card is already settled and I've received 1x rewards for it.

 

[thanix]

I loaded my forex card today using my DCB. Mycards shows as "unsettled". The terms say 5x rewards are eligible if settled before 31st March. How much time does it usually take to be settled?
@thanix @BVC @sourpai

Nothing to worry, I paid by DCB it got settled in few days, statement generated, got 1x points and then loading happened since hdfc bank branch ppl don't know process. 😑 A normal day in HDFC universe.

There are 2 systems - Non personalized card - Branch already gets them in bulk. So once you apply, just go to branch, collect it. They will just update as delivered, activated already and cards gets loaded automatically within 48 hours. A simple In and Out system. Please check card expiry year.

Personalized card - This is central system from Mumbai. This is like credit cards or debit cards. You apply, they print and dispatch to branch chosen. Once you collect it, there is a internal DCS system where branch needs to update that card is delivered. It takes a day for reconciliation. Mumbai central team loads the Forex manually.

In my case, the branch doesn't even know that they have to mark the status. Once I let them know, they don't know which system to update. I ran the entire process for them. It took more than a week to get the card loaded.

HDFC should have continued with Home delivery like credit cards for Personalized cards. May be they saw lot of applications and decided to penny pinch as they need to pay EBIX or do hedging by delaying the loading. If bookmyforex can do in single day, why can't the largest pvt bank?

 

[sam4]

You can load up to 250000 USD in a forex card in a year. But Ideally You should return unused forex (If more than 2000 USD) within 180 days of your return from international trip. You can load from as many cards as many you have. You will get reward points based on cards variant and settlement date.

 

[salisburry44]

Can anyone please share their experience of non-personalized regalia forex card home delivery facilitated by Ebixcash?
I got the card delivered yesterday, they made me fill the form and took my passport copy with it. Now, what do I need to activate card? Will they activate it for me? Do I just try to login in the prepaid card netbanking portal? Or will HDFC send a separate activation link like they do for personalized cards?

Edit: The transaction on the card is already settled and I've received 1x rewards for it.

For me Ebixcash had activated the card. Recieved activation sms in 3 working days after collecting documents. After that you can login into hdfc forex portal.

 

[darkjediknight]

For me Ebixcash had activated the card. Recieved activation sms in 3 working days after collecting documents. After that you can login into hdfc forex portal.

Amazing. Thanks, will wait for the activation sms 🫶

 

[Sagarlak92]

I need an URGENT HELP.

I think I am too late for taking a non personalised cards for my parents.

But, I still have two regalia forex cards with 1300$ each!!

So, can I load these cards from my DCB and Biz Black or its too late? Because the website shows that the transaction needs to be settled before 31st and its already 29th evening.

Also, can I only load 700$ on both cards or more?