TransferWise Indian Rupee Travel Card - TravelCardFinder
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Planning a trip to India or need a convenient way to manage Indian Rupees (INR)? The TransferWise Indian Rupee Travel Card is a reliable option. Powered by the Wise multi-currency account, this card simplifies managing INR alongside other currencies, offering real exchange rates and low fees.
What is the TransferWise Indian Rupee Travel Card?
The TransferWise Indian Rupee Travel Card is a prepaid debit card linked to your Wise account. It lets you load, convert, and spend INR along with over 50 other currencies. This card is ideal for travelers, expats, and professionals frequently dealing in INR.
Features of the TransferWise Indian Rupee Travel Card
| Feature | Details |
|---|---|
| Multi-Currency Support | Manage INR and 50+ currencies in one account. |
| Real Exchange Rates | Get mid-market exchange rates without hidden charges. |
| Affordable Fees | Pay low conversion fees ranging between 0.35% and 1%. |
| Global Acceptance | Use the card wherever Mastercard is accepted, both in India and internationally. |
| Contactless Payments | Tap-to-pay for quick and secure transactions. |
| ATM Withdrawals | Free withdrawals up to monthly limits; minimal fees for excess usage. |
| Mobile App Control | Manage funds, freeze your card, and get instant transaction alerts through the Wise app. |
Benefits of the TransferWise Indian Rupee Travel Card
1. Cost-Efficient Currency Conversion
The Wise card uses real exchange rates, saving money compared to traditional banks or credit cards.
2. Multi-Currency Convenience
Hold and spend INR alongside USD, EUR, GBP, and many other currencies.
3. Secure and Reliable
Control your card settings through the Wise app, freeze it instantly if misplaced, and enjoy secure contactless payments.
4. Real-Time Tracking
Monitor every transaction in real-time, helping you stay within your budget.
5. Widely Accepted
The card works globally at any merchant or ATM supporting Mastercard.
Supported Currencies
The Wise card supports 50+ currencies, including:
- Indian Rupee (INR)
- US Dollar (USD)
- Euro (EUR)
- British Pound (GBP)
- Japanese Yen (JPY)
- Australian Dollar (AUD)
- Singapore Dollar (SGD)
- Swiss Franc (CHF)
- South African Rand (ZAR)
Fees and Charges
| Fee Type | Details |
|---|---|
| Card Issuance Fee | A small one-time fee (approximately $10 USD or equivalent in INR). |
| Currency Conversion Fee | Low fees between 0.35% and 1%, based on the currency pair. |
| ATM Withdrawal Fee | Free withdrawals up to a monthly limit (e.g., ₹35,000); small fees apply beyond the limit. |
| Monthly Maintenance Fee | None. |
| Replacement Card Fee | Nominal charge for replacing a lost or stolen card. |
How to Use the TransferWise Indian Rupee Travel Card Effectively
1. Load INR in Advance
Transfer money to your Wise account in INR or other currencies before traveling.
2. Pay in INR
When in India, always pay in Indian Rupees (INR) to avoid extra conversion fees. Decline dynamic currency conversion (DCC) when offered.
3. Manage ATM Withdrawals
Withdraw cash within the free limit to save on fees. The Wise app notifies you of any fees beyond the limit.
4. Track Spending
Use the Wise app to track your expenses in real-time.
5. Online and Offline Transactions
The card works seamlessly for both online shopping and in-store payments.
How to Apply for the TransferWise Indian Rupee Travel Card
Step 1: Create a Wise Account
Sign up on the Wise website or app using your email address.
Step 2: Verify Your Identity
Upload identification and address proof to meet regulatory requirements.
Step 3: Order the Card
Request the Wise card from your account dashboard and pay the issuance fee.
Step 4: Activate the Card
Once delivered, activate the card in the Wise app.
Step 5: Add Funds
Load your card with INR or any supported currency to start spending.
Do’s and Don’ts of the Wise Indian Rupee Travel Card
Do’s:
- Pay in INR when in India to avoid extra charges.
- Use the Wise app for tracking and managing your card.
- Plan withdrawals to stay within the free limit.
Don’ts:
- Avoid DCC at payment terminals; always choose INR.
- Don’t exceed free withdrawal limits, as additional fees may apply.
- Avoid relying solely on ATMs; carry some cash for emergencies.
Why Choose the TransferWise Indian Rupee Travel Card?
The TransferWise Indian Rupee Travel Card is an excellent choice for travelers, expats, and businesses dealing with INR. It offers transparent fees, real exchange rates, and the flexibility of a multi-currency account. Whether you’re exploring India’s vibrant cities or conducting business, the Wise card ensures seamless and cost-effective transactions.
Top up and spend your holiday money in over 40 currencies
Which all countries can apply for Wise Travel Card
The Wise card is currently available for personal customers that live in these countries and regions:
- Australia
- Brazil
- Canada
- EEA + Switzerland*
- Japan
- Malaysia
- New Zealand
- Philippines
- Singapore
- UK + European microstates and overseas territories*
- USA except for residents of Nevada (US cards temporarily unavailable)
Conclusion
The TransferWise Indian Rupee Travel Card is the ultimate financial companion for anyone spending in INR. Its low fees, real exchange rates, and ease of use make it a favorite among travelers and professionals. Apply for the Wise card today and simplify your financial journey in India.
