HDFC Bank Regalia ForexPlus Card Review

By | March 8, 2021

After the massive success of HDFC Multicurrency Forexplus chip card. HDFC has decided to launch this with its Regalia version. Its Regalia Credit Card is also a huge success and has increased the faith of customers towards the bank.

HDFC has launched this card with a view to create a card with the concept of – No cross currency conversion charges. Although its old Multicurrency Forexplus card is based on the same concept, hence let us see what is new in this card.


Regalia ForexPlus Fees & Charges

Card issueRs.1000
ReloadRs.75/ reload
Reissue Rs.100/ card
Transaction Charges
ATM cash withdrawal$4.00
Balance Enquiry$0.50
Charge slip Retrieval$3.00
  • Daily limit for ATM cash withdrawal is USD 5000

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cross currency

ForexPlus Cross Currency Charges

For transactions where the transaction currency is different than the currency available on Regalia ForexPlus Card bank will not charge any cross currency conversion charges on such transactions.

Currency conversion tax:

Buy and sell forex currencyService tax amount
Up to Rs.1 lakh
0.18% of the gross value or Rs.45—whichever is higher
Rs.1 lakh – Rs.10 lakhsRs.180 + 0.09% of the amount exceeding Rs.1 lakh
> Rs.10 lakhsRs.990 + 0.018% of the amount exceeding Rs.10 lakhs

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Regalia ForexPlus Eligibility

Anyone can apply for a ForexPlus Card—no need to be an HDFC Bank customer.
The following documents are required along with a signed copy of the application form:

  • Self-attested copy of valid passport
  • Self-attested copy of valid VISA or ticket
  • Address proof, if the resident address is different from address mentioned on passport
  • Additional documents needed for non-HDFC Bank customers:
    • Cancelled cheque/passbook/recent statement
    • Copy of statement – showing application payment for ForexPlus card

Loading and Reloading Regalia ForexPlus Card

You can load your card in these three simple steps:

  1. HDFC Bank Net Banking
  2. Phone Banking
  3. HDFC Bank Branches

* Reloading of card through Net banking is allowed only for HDFC customers. You can not either fund card through debit card or NRO account.


E-commerce Transaction

Regalia ForexPlus Card can be used for transactions online, on all major e-commerce platforms. During payment check-out at e-commerce platforms, the transaction will be authenticated either with OTP or Prepaid Card Netbanking password.

Online payment (E-commerce) feature has to be enabled on each of the new Currency Wallet added for performing transactions accordingly.

Lounge Access

Complimentary lounge access at International Airports in India: 2/quarter

These lounges are provided to you under Mastercard airport lounges in terminals who has international departure facility.

Global Assistance

In case of card loss/theft, you will get Emergency Cash delivery service across the globe.

Call on the international toll free number, in need.

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Insurance Cover

  • Protection against counterfeiting/skimming: Rs.500,000
  • Protection against road/rail accident: Rs.500,000
  • Air accident insurance: Rs.25,00,000
  • Loss of cash in transit: Rs.60,000

Bottom Line

It is a good card but there is not much difference in both the multicurrency and Regalia forex card. They launched this card with the phrase that there is no conversion charges, but they are charging in the form of taxes.

You can go for this card, if you travel a lot, but still it is recommended to keep credit cards when you travel abroad. Credit cards are much safer and easier to use plus they give good amount of returns in the form of rewards.

If there is any rewards given on this card then it will be beneficial, otherwise you end up losing more money in the form of taxes. So, it is advisable to check for the offers and rewards before applying for the card.

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How do I change my password?

After you have logged in, you can change your password using the “Change password” option in the top part of the screen. You have to type your current password and the new password you have chosen in their respective boxes.

When will I receive my changed ATM PIN?

You will receive your new ATM PIN by post within 10 days from when your request has been submitted.

How can I reload my HDFC regalia forex card?

To load money into a forex card:

  1. Login to your Net Banking account.
  2. Select prepaid cards.
  3. Select the type of forex card you hold.
  4. Enter the amount and currency of your choice.

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