YES Bank Multicurrency Travel Card Review

YES Bank Multicurrency Travel Card

  • Features & Rewards
  • Offers Availability
  • Card’s Acceptance
  • Customer Care & Issue Resolution


YES Bank Multicurrency Travel Card is one of the best forex cards in India because it is highly secured and cost-efficient. The good thing is that you can easily manage this card from anywhere and at any time from the customer care portal online. You can load up to 15 foreign currencies and reuse the unutilized funds for future trips.


The YES BANK Multicurrency Travel Card is the perfect travel partner and ideal payment solution for foreign travellers visiting multiple destinations. It is a convenient, smart, cost-effective, and secure alternative to carrying foreign currency while travelling abroad.

The card automatically chooses the currency wallet as per the local currency of the transaction from the multiple available wallets on the Card.

Besides protecting you from currency rate fluctuations, the card offers you great discounts at merchant outlets across the globe for your dining, shopping, stay, and other expenses.

YES Bank Multicurrency Travel Card comes in two variants – MasterCard & Visa Corporate.

We will try to figure out the advantages and disadvantages of this travel card.

So, let’s start !!

Highlights of YES Bank Multicurrency Travel Card

YES Bank Multi Currency Travel Card - Featured Image


  • Load up to 15 currencies in one card.
  • Easy to use and fully secure.
  • With locked-in foreign currency exchange rates

Fees & Charges

DescriptionFees & Charges
Joining FeeINR 125
Reload FeeINR 100
Refund FeeINR 75
Cross Currency Fee (Mark-up Fee)2.75% of Transaction Value
Cash Advance / Cash Disbursement fee2% of Transaction Value

Foreign Currency Charges for MasterCard Variant

OrderCurrencyBalance Enquiry Fee At ATMATM Cash Withdrawal FeePOS / ECOM Transaction FeeReplacement Card Fee (in India)ATM Cash WithdrawalPOS / Ecom/ Cash Advance / Cash Disbursement
1United States Dollar (USD)0.52           NIL1.510007500
2Pound Sterling (GBP)0.51.517505500
3Euro (EUR)0.51.751.258506500
4Canadian Dollar (CAD)0.752.5212509500
5Australian Dollar (AUD)0.752.5212509500
6Singapore Dollar (SGD)0.752.752150010000
7Arab Emirates Dirham (AED)27.255.5350025000
8Swiss Franc (CHF)0.521.510007500
9Japanese Yen (JPY)60225160125000850000
10Swedish Krone (SEK)41712.5900060000
11South African Rand (ZAR)7282012500100000
12Saudi Riyal (SAR)1.757.56350025000
13Thai Baht (THB)16655032500250000
14New Zealand Dollar (NZD)0.752.752150010500
15Hong Kong Dollar (HKD)415.512750055000

Foreign Currency Charges for VISA Variant

OrderCurrencyBalance Enquiry Fee At ATMATM Cash Withdrawal FeeReplacement Card Fee (in India)ATM Cash WithdrawalPOS / Ecom/
Cash Advance / Cash Disbursement / Contactless Transaction with PIN
1United States Dollar (USD)0.521.510007500
2Euro (EUR)0.51.751.258506500
3Pound Sterling (GBP)0.51.517505500
4Singapore Dollar (SGD)0.752.752150010000
5Japanese Yen (JPY)60225160125000850000
6Canadian Dollar (CAD)0.752.5212509500
7Australian Dollar (AUD)0.752.5212509500
8New Zealand Dollar (NZD)0.752.752150010500
9Arab Emirates Dirham (AED)27.255.5350025000
10Thai Baht (THB)16655032500250000
11Hong Kong Dollar (HKD)415.512750055000
12Swiss Franc (CHF)0.521.510007500
13Saudi Riyal (SAR)1.757.56350025000
14South African Rand (ZAR)7282012500100000

Points to Remember

  • All fees and charges mentioned above are exclusive of taxes.
  • In case of insufficient balance on a particular wallet, fees along with taxes will be debited from the highest-order wallet with sufficient balance.
  • Additional fees for ATM transactions may be levied by the bank owning the overseas ATM used for transactions.

Eligibility Criteria

Please carry self-attested photocopies of the following documents along with their original for verification purpose

  • Passport
  • Visa or Confirmed Air Ticket
  • PAN Card
  • Any other supporting document if required as per RBI guidelines

Benefit Details of YES Bank Multicurrency Travel Card

One Card, multiple currencies

Load up to 15 major currencies of the world namely United States Dollar (USD), Great Britain Pound (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Singapore Dollar (SGD), Arab Emirates Dirham (AED), Swiss Franc (CHF), Japanese Yen (JPY), Swedish Krone (SEK), South African Rand (ZAR), Saudi Riyal (SAR), Thai Baht (THB), New Zealand Dollar (NZD) and Hong Kong Dollar (HKD)

The foreign exchange currency rate is locked-in at the time of issuance and will be the same during the validity of your card.

24X7 Access to your funds

The MasterCard variant of the travel card can be used at more than 31.4 million merchant outlets across the globe accepting MasterCard and at over 1.9 Million MasterCard Network ATMs. It can be used to make online purchases on all international merchant websites.

The VISA variant of the travel card can be used at more than 36 million merchant outlets across the globe accepting MasterCard and at over 2.4 Million MasterCard Network ATMs

Online Account Management

Anytime, anywhere access to the Prepaid Card Customer Portal online which can be used for the following functions to manage your account online:

  • Card Summary
  • Last 10 transactions
  • Transaction Listing
  • Card Lock/Unlock
  • Check My Balance
  • Download Dispute Form
  • Change Password

Long Validity

You can reload the travel card and use it for multiple trips as it offers the facility of long usage.

  • Validity for MasterCard Variant: 2 years
  • Validity for VISA Variant: 3 years

Easy encashment of funds

All un-utilized balance funds on the Card can be retained for future trips or the Cardholder can place a request for Refund/encashment of the residual balance.

24X7 Customer Service Support

This travel card has 24X7 customer service support for its customers.

USA- 1877 659 8044
CANADA- 1877 659 8044
UK- 808 178 5133
UAE- 8000 3570 3089
Other Locations- +91 22 4935 0000

Limit of USD 250,000* or it’s equivalent in other currencies per financial year is applicable for the below mentioned travel purposes :

  • Personal Trip (Leisure)
  • Business Travel from Individual/ Proprietorship/Corporate account
  • Education Abroad
  • Emigration
  • Medical Treatment
  • Employment
  • Accompanying patient abroad

Pros and Cons

If we have to summarise the merits and demerits of the card in a tabular form, it can be found here:


  • You can load up to 15 foreign currencies and it includes all the major ones.
  • 24X7 Customer Service Support for the customers.
  • You can do your account management online – anytime, anywhere.
  • The card has validity for 2/3 years with no restrictions on the number of trips.
  • Unutilized funds during a trip can be reused for future trips or you can opt for a refund or encashment also.


  • The overall limit available for an individual, under Liberalised Remittance Scheme for Resident Individuals (LRS) is USD 2,50,000 per financial year. If the overall forex limit exceeds USD 250,000 or its equivalent then an additional supporting document is required.

Final Words

YES Bank Multicurrency Travel Card is one of the best multi-currency forex cards in the segment. It allows you to load up to 15 major foreign currencies such that you don’t have to look anywhere else for the currency needs.

Additionally, as it comes in two variants, you can avail of the benefits and offers from those networks. Altogether, it’s a good forex card to have in your wallet !!

Please read the other posts:


How can I reload my YES Bank Multi Currency Travel Card?

* Walk into the nearest YES BANK Branch.
* Fill out the MCTC Reload Form and submit the necessary travel documents.
* Provide the payment instruction using Debit to YES BANK Account, Cheque/Demand Draft.
* The MCTC would be reloaded on the submission of documents.

How do I check my YES Bank Multi Currency Travel Card balance?

There are multiple ways to do that:
A) You can visit the nearest YES BANK branch.
B) You can call 24X7 Customer Care Toll-free numbers.
C) You can access Prepaid Card Customer Portal online.

Can I load more than one currency in my YES Bank Multi Currency Travel Card
at a given time?

Absolutely yes !! You can load multiple foreign currencies in a single go.

Do I need to have a YES Bank Account to get the YES Bank Multi Currency Travel Card?

No !! You don’t need an account relationship with Yes Bank to get this card.

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