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.

 

[salisburry44]

Is it entire online document verification or physical verification required?

The person didn't verify anything just collected the documents and gave the card(this for non personalized card)maybe because i have account in hdfc. Card not yet activated got it on Saturday.

 

[salisburry44]

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

5X points will come to know only next month.Consider card as zero markup debit card. Just instead of inr in account you have usd.

 

[Anilpal28]

Can you get a forex card without any specific travel pla

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

The person didn't verify anything just collected the documents and gave the card(this for non personalized card)maybe because i have account in hdfc. Card not yet

5X points will come to know only next month.Consider card as zero markup debit card. Just instead of inr in account you have usd.

How will it be different if I load usd and withdraw Thai Bhat.. as many our saying usd is more beneficial as it comes with zero mark up charges.. u fact both regalia and Multi currency comes with zero forex rite

 

[Harry1]

1X points credited today - 1 day after settlement.

Got card activation sms. Still no sign of delivery. Mine was personalized regalia card with delivery at branch. Not able to add in mycards either via last 4 digits. And no email received as mentioned in sms.

Your HDFC Bank Prepaid USDVRG Card ending with XXXX1234 has been activated. As per RBI guidelines the card is enabled to perform only ATM and POS transactions. To enable Online payment and Contactless feature log on to HDFC Bank Prepaid Card NetBanking. Refer email sent for more details.

 

[Anilpal28]

What about 4x when will that be credited.. Also can I use both diners black and Infinia to Load in 1 card worth 2k usd or 2 cards are required..When is the last day for this offer

 

[Yugi]

My analysis of both the Forex cards:

On paper, Multicurrency Platinum ForexPlus is better because it has a lower joining fee and ATM transaction fee. So, if you are using the full amount on the card on the trip, it makes sense to go for it. Otherwise, if you have leftovers, Regalia ForexPlus is better as you can use it for other currency transactions without any charges in your future trips. So, based on your use case, pick the card that is better for your travel needs.

Cross Currency Fee: The fee to convert one currency to another. Let's say you load the card with 100 USD but now paying 50 Dihrams at Dubai airport, a fee would be charged to convert USD to Dihrams.

Regalia ForexPlus Card:
1) Joining fee 1000 + GST
2) ATM Fee: USD 4 + GST per transaction
3) Lounge: 1 per qtr
4) Cross Currency Charges: 0

Multicurrency Platinum ForexPlus Card:
1) Joining fee 500 + GST
2) ATM Fee: USD 2 + GST per transaction
3) Lounge: None
4) Cross Currency Charges: 2% + GST

Common Charges for both cards
1) Reload Fee: INR 75 plus applicable GST per reload transaction
2) Load or Withdraw Charges

Up to Rs 1 lakh	0.18% of the gross value or Rs45 - whichever is higher
Rs 1 lakh – Rs 10 lakhs	Rs 180 + 0.09% of the amount exceeding Rs. 1 lakh
> Rs. 10 lakhs	Rs. 990 + 0.018% of the amount exceeding Rs. 10 lakhs

PS: I personally took Regalia ForexPlus Card as my loading currency has always been USD and I get the flexibility to shop in other currencies during layovers without the worry of loading new currency and unloading it again.

Let me know if I should make this a post and add more details for benefit of everyone.

 

[Yugi]

What about 4x when will that be credited.. Also can I use both diners black and Infinia to Load in 1 card worth 2k usd or 2 cards are required..When is the last day for this offer

31st March is last day. I guess 1 card should work as Diners and Infinia are both different cards with separate bills. Better contact the Customer care once.

 

[Ram1]

My analysis of both the Forex cards:

On paper, Multicurrency Platinum ForexPlus is better because it lower joining fee and lower ATM transaction fee. So if you are using the full amount on the card in the trip is make sense to go for it else if you have leftover then Regalia ForexPlus is better as you can use it for other currency transactions without any charges in your future trips. So based on the usecase pick the card which is better for your travel needs.

Regalia ForexPlus Card:
1) Joining fee 1000 + GST
2) ATM Fee: USD 4 + GST per transaction
3) Lounge: 1 per qtr
4) Cross Curency Charges: 0

Multicurrency Platinum ForexPlus Card:
1) Joining fee 1000 + GST
2) ATM Fee: USD 2 + GST per transaction
3) Lounge: None
4) Cross Currency Charges: 2% + GST

Common Charges for both cards

1) Reload Fee: INR 75 plus applicable GST per reload transaction
2) Load or Withdraw Charges

Up to Rs 1 lakh	0.18% of the gross value or Rs45 - whichever is higher
Rs 1 lakh – Rs 10 lakhs	Rs 180 + 0.09% of the amount exceeding Rs. 1 lakh
> Rs. 10 lakhs	Rs. 990 + 0.018% of the amount exceeding Rs. 10 lakhs

PS: I personally took Regalia ForexPlus Card as my loading currency has always been USD and I get the flexibility to shop in other currencies during layovers without the worry of loading new currency and unloading it again.

Let me know if I should make this a post and add more details for benefit of everyone.

What is cross currency fee?

 

[Yugi]

What is cross currency fee?

Cross Currency Fee: The fee to convert one currency to another. Let's say you load the card with 100 USD but now paying 50 Dihrams at Dubai airport, a fee would be charged to convert USD to Dihrams.

 

[Ram1]

Cross Currency Fee: The fee to convert one currency to another. Let's say you load the card with 100 USD but now paying 50 Dihrams at Dubai airport, a fee would be charged to convert USD to Dihrams.

Thank you

Also can we use this card to buy softwares which are available in usd from India itself ?

And some e-commerce sites like alibaba

 

[vatsalhk]

The person didn't verify anything just collected the documents and gave the card(this for non personalized card)maybe because i have account in hdfc. Card not yet activated got it on Saturday.

What documents collected?

 

[Yugi]

Thank you

Also can we use this card to buy softwares which are available in usd from India itself ?

And some e-commerce sites like alibaba

Yes, as long as you are paying in USD or any other currency except INR all online transactions are allowed.

 

[sravanbrahma]

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

Even I applied they didn't ask proof of travel

 

[sravanbrahma]

Thank you

Also can we use this card to buy softwares which are available in usd from India itself ?

And some e-commerce sites like alibaba

Yes should work.

 

[Harry1]

I was going through some of my forex Transactions and observed that visa is charging huge markup these days apart from usual bank charges. Checked current rates on Onecard app and Visa website, which provides live visa rates and it was indicating similar behaviour as well.

E.g. current USD to INR visa rate as per one card is 88, compared to Google rate of 86.78. A huge markup of 1.4%. This used to be 0.2-0.3% few years back.

On the other hand, mastercard is 87.54, a markup of 0.9%.

HDFC is charging 88.41. So, that's effectively 0.5% markup above Visa rate and 1% markup above mastercard rate.

But again when we will pay a different currency from this usd, visa/mastercard will again charge some markup, but surprisingly, here the markup is almost nil and matching very closely to google rates.

So, net it is about just 0.5%/1% markup compared to a zero forex indian visa/mastercard credit card for any currency for regalia card.

Exchange calculator - https://www.visa.co.in/support/consumer/travel-support/exchange-rate-calculator.html

Mastercard Currency Converter | Currency Exchange Rate Calculator

Mastercard currency converter tool calculates foreign exchange rates for all the major currencies worldwide to enable cross-border purchases and ATM transactions.

www.mastercard.us

 

[sravanbrahma]

I was going through some of my forex Transactions and observed that visa is charging huge markup these days apart from usual bank charges. Checked current rates on Onecard app and Visa website, which provides live visa rates and it was indicating similar behaviour as well.

E.g. current USD to INR visa rate as per one card is 88, compared to Google rate of 86.78. A huge markup of 1.4%. This used to be 0.2-0.3% few years back.

On the other hand, mastercard is 87.54, a markup of 0.9%.

HDFC is charging 88.41. So, that's effectively 0.5% markup above Visa rate and 1% markup above mastercard rate.

But again when we will pay a different currency from this usd, visa/mastercard will again charge some markup, but surprisingly, here the markup is almost nil and matching very closely to google rates.

So, net it is about just 0.5%/1% markup compared to a zero forex indian visa/mastercard credit card for any currency for regalia card.

Exchange calculator - https://www.visa.co.in/support/consumer/travel-support/exchange-rate-calculator.html

Mastercard Currency Converter | Currency Exchange Rate Calculator

Mastercard currency converter tool calculates foreign exchange rates for all the major currencies worldwide to enable cross-border purchases and ATM transactions.

www.mastercard.us

I load forex cash, I'll not use it and utilise 5x for load and later withdraw to my account. I hope it's still a good deal ? Even if we withdraw cash in ATM in foreign country and get it exchanged, it's still a good deal I guess. I agree forex is of no use in general.

 

[Harry1]

I load forex cash, I'll not use it and utilise 5x for load and later withdraw to my account. I hope it's still a good deal ? Even if we withdraw cash in ATM in foreign country and get it exchanged, it's still a good deal I guess. I agree forex is of no use in general.

I don't know and don't plan to do it either 😅. But I predict about 5% loss in loading and unloading. I don't know if it it will even allow unloading to a different account than source.

 

[basant]

I just applied for regalia forex card @ 88.05 with 1000 usd loading online paid by dcb metal.Lets see how long it takes to reach.

 

[bikramnitj]

Got my personalized Regalia forex card today. The process was seamless of collecting from the branch with all the documentation as advised in the acknowledgement email. Key point to note is once you activate the card it will show 0 balance initially and the amount will be loaded automatically in 2 working days. This is for safety purposes by the bank.

 

[Harry1]

Got my personalized Regalia forex card today. The process was seamless of collecting from the branch with all the documentation as advised in the acknowledgement email. Key point to note is once you activate the card it will show 0 balance initially and the amount will be loaded automatically in 2 working days. This is for safety purposes by the bank.

When did u get sms for card dispatch?