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​	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.

 

[imdjay]

@Harry1 @bhavyegoel I’ve never used a forex card before, so I’m curious to know your thoughts. If I get one now, but don’t have any immediate plans for international travel (no trips planned yet this year), would it still be useful? In case I don’t end up using the card balance, is it possible to transfer the remaining funds back to my account without any loss?

 

[Yugi]

Still didn't work for me 😂
@bhavyegoel did you face such issue?
@Yugi is your expiry date the last day of any month because of which adding one day will change the month as well for you?

Nope, mine was 20th Dec, I changed it to 21st Dec and it worked.

Try to increase or decrease days from actual expiry and check. If you are not travelling immediately then you can send mail to customer care and wait for resolution. Otherwise, try my approach, if they fail verification then the transaction will be cancelled as per their T&C and the money will be refunded.

 

[bhavyegoelbhavyegoel is verified member.]

@Harry1 @bhavyegoel I’ve never used a forex card before, so I’m curious to know your thoughts. If I get one now, but don’t have any immediate plans for international travel (no trips planned yet this year), would it still be useful? In case I don’t end up using the card balance, is it possible to transfer the remaining funds back to my account without any loss?

Money loaded is valid for good 5 years.

 

[bhavyegoelbhavyegoel is verified member.]

Still didn't work for me 😂
@bhavyegoel did you face such issue?
@Yugi is your expiry date the last day of any month because of which adding one day will change the month as well for you?

No I didnt face any such issue. Went smooth.

 

[Ram1]

Money loaded is valid for good 5 years.

Can we use the balance in india also?

 

[sravanbrahma]

Can we use the balance in india also?

No as I checked with customer service. I was told, It's valid anywhere in world except india, nepal and bhutan

 

[Ram1]

No as I checked with customer service. I was told, It's valid anywhere in world except india, nepal and bhutan

So we can't make both online and offline transactions in inr right?

 

[sravanbrahma]

So we can't make both online and offline transactions in inr right?

I guess no.

 

[vatsalhk]

I guess no.

Why not? You can use for PoS as well as online txn.

 

[Ram1]

Why not? You can use for PoS as well as online txn.

the question is about doing in INR

 

[imbajaj]

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.

While 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 it has zero cross currency markup charges.

View attachment 82721View attachment 82722View attachment 82736

Regalia or Multicurrency, which one is a better Forex card ?

 

[imbajaj]

Confirmed with customer care and applied for Regalia ForexPlus with 1000 USD. Hopefully it will be approved and delivered at branch. It says timeline of 5-7 days, if opting for card with ur name.

I don't have savings account with hdfc, so they are asking to submit for proof of funds during card collection by sharing 1 year savings account statement. But I paid using HDFC credit card 😅. Is it really needed?

Hopefully will get bonus 4x points in one month and won't include smartbuy 15k limit

is there any difference btw Regalia and Multi currency other than the currency options?

 

[Harry1]

is there any difference btw Regalia and Multi currency other than the currency options?

There r a few minor differences. Check their card page.

 

[bhavyegoelbhavyegoel is verified member.]

is there any difference btw Regalia and Multi currency other than the currency options?

In Regalia there is no Cross Currency conversion charges and you can load in USD and spend in any currency without markup and since loading USD is cheapest hence Regalia is the best choice which gives flexibility and VFM.

 

[Anilpal28]

In Regalia there is no Cross Currency conversion charges and you can load in USD and spend in any currency without markup and since loading USD is cheapest hence Regalia is the best choice which gives flexibility and VFM.

What if I withdraw cash from Regalia Card.. Is there any benefit when compared to Multi currency card

 

[Anilpal28]

What if I withdraw cash from Regalia Card.. Is there any benefit when compared to Multi currency card

Can anyone plz confirm

 

[Anilpal28]

There r a few minor differences. Check their card page.

Hello Sir, Any Update on 5x reward points.. Also suppose if i take regalia forex and load usd.. How can it be different if I am travelling to Thailand.. awaiting for your response

 

[mj01]

Can you get a forex card without any specific travel plan? The application page asks for date and country of travel.

 

[salisburry44]

Can you get a forex card without any specific travel plan? The application page asks for date and country of travel.

As per mail from hdfc
Documents required -

1. The bank empanelled authorised service partner’s representative will meet you in person at the address provided in the application form and will collect the below documents.
   
   1. Duly signed application form attached in this mail.
   2. Self-attested copy of Ticket or Visa. (Applicable for Non HDFC bank account holders)
   3. Address proof, if the address mentioned on application form is different than the address mentioned on the passport. (Applicable for Non HDFC bank account holders)

I am having account in hdfc they didn't ask any proof of travel. Just passport copy(1st and last page) and application form.

 

[cardoptimizer]

Is it entire online document verification or physical verification required?