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Operational Guidelines: How to use a Travel Card

Travel cards give you freedom from carrying cash on an international trip, however there are some operational guidelines of how to use a travel card. What all dos and don’ts to follow on a foreign land so that the memories that are carried back home are pleasant only.


  1. Treat this card like cash
  2. Keep a photocopy of the front and back of the card for quick reference.
  3. If the card is stolen or lost, contact the customer care of your bank immediately and block the card. The bank will take earliest steps to issue you a replacement card after deducting charges.
  4. When you need to destroy the card, cut it into pieces before throwing it away.


  1. Do not use the card with wrong PIN more than three times; the card gets blocked automatically.
  2. Do not swipe the multi-currency card at terminals that show the transaction value in Indian rupees.
  3. This card should not be normally used towards temporary charge blocks such as paying deposits at hotels, hiring of cars, etc.
  4. Do not use your card at merchant outlets that opt for dynamic currency conversion (DCC) at the time of settlement of bills because you will end up paying a currency-conversion cost.

Points to note :

  • This card is not valid in India, Nepal and Bhutan.
  • It cannot be issued for non-travellers.
  • Only some banks offer lost card liability insurance. (Stay safe by reporting loss of card or any fraudulent transactions immediately.)
  •   Cross-currency fee of 3–3.5 per cent plus service tax is levied if you transact in a currency other than those available.

You might also like to read: Travel Cards – All FAQs answered

Consumer VOICE experts compared 8 travel cards on basis of cross country transactions, issuance fee and other parameters to list the best travel card.

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