WSFx Smart Currency Card | Best Multi Currency Forex Travel Card
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WSFx Smart

Currency Card

The WSFx Smart Currency Card (WSCC) helps you travel smart on your trip abroad. It is accepted globally at over 100 million + VISA merchant outlets. This prepaid multicurrency forex card is app-enabled and comes with 14 key international currencies, namely USD, EUR, AED, AUD, GBP, CAD, SAR, SGD, JPY, THB, CHF, ZAR, NZD, and HKD. The card also comes along with an INR wallet, which can be utilized to transfer your leftover currency at the end of your trip, thus enabling you to spend effortlessly on domestic purchases.

Smart Currency Card

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One Smart Card, Numerous Benefits

App-enabled Card
App-enabled
Card Management
24/7 access to your funds
24/7 access to your funds
Widely accepted at VISA merchant outlets
Widely accepted at
VISA merchant outlets.
Transaction History / Detailed Statement
Transaction History /
Detailed Statement
INR Wallet Facility
INR Wallet
Facility
Set Daily Limits & manage your card
Set Daily Limits &
manage your card

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FAQ

WSFx Smart Currency Card,is a multi-currency forex card from WSFx Global Pay Ltd, powered by YES BANK. It is a foreign currency denominated Prepaid Card which can be loaded with multiple currencies on a single Card that makes your foreign trip totally hassle-free and convenient. Your WSFx Smart Currency Card comes with a unique INR wallet for your domestic payments. It is globally accepted at more than 31.4 million VISA merchant outlets. You can also use this card on international e-commerce websites.
  • App-enabled card management
  • INR wallet feature
  • Tap and Pay money on your trip abroad
  • Wallet to Wallet transfer
  • Globally accepted at more than 31.4 million VISA merchant outlets
  • Instant transaction updates through SMS and Email
  • 24/7 Customer Service Support
  • Chip and PIN based card for enhanced security against fraud and misuse
WSFx Smart Currency Card is available for purchase in the WSFx Global Pay App and over the counter at WSFx Global Pay Ltd branches. You simply need to place a “Buy New Card” request in the App or walk into our branch with required documentation. The card will get activated within 24 business hours from realization of funds.
Please click here to locate a nearest WSFx Branch
Your WSFx Smart Currency Card comes with an INR wallet for your domestic needs. After your return from your foreign trip you can transfer your unspent foreign currency from your foreign currency wallet to your INR wallet and use it for your domestic purchases at VISA merchant establishments.
Please note that you will not be able to transfer funds from your INR wallet to foreign currency wallet, but you can withdraw your funds from your INR wallet from your nearest ATM.
*The amount loaded after conversion on INR currency wallet/card will be done as per the RBI vide PPI Guidelines (Currently INR 100000)
*Conversion fee of 1% will be applicable
The WSFx Smart Currency Card is valid for five (5) years from the date of its purchase.
The overall limit available for an individual, under Liberalized Remittance Scheme for Resident Individuals (LRS) is USD 2,50,000 per financial year and the other limits as per Schedule III pertaining to travel, business, medical, education, immigration, etc. have been subsumed under the LRS limit (within the overall limit of USD 2,50,000 per financial year). Eligibility criteria for Minors is up to 10 years or below.
  • Duly filled and signed WSFx Smart Currency Card Application Form
  • Copy of self-attested Passport (carry your original Passport for verification)
  • Copy of self-attested Ticket or Visa (carry originals for verification)
  • PAN Number has to be mandatorily mentioned on the Application Form with a self-attested copy of the same
  • If the address mentioned on the application form differs from the address mentioned on the Passport, then an additional address proof needs to be submitted
Yes, our service executive will pick up the physical documents from your mentioned address on the app. Please make sure to keep them ready and signed on time.
Your WSFx Smart Currency Card can be loaded with world’s 14 major currencies along with INR;
  • United States Dollar (USD)
  • Great Britain Pound (GBP)
  • Euro (EUR)
  • Canadian Dollar (CAD)
  • Australian Dollar (AUD)
  • Singapore Dollar (SGD)
  • Arab Emirates Dirham (AED)
  • Japanese Yen (JPY)
  • Saudi Riyal (SAR)
  • Thai Baht (THB)
  • New Zealand Dollar (NZD)
  • South African Rand (ZAR)
  • Hong Kong Dollar (HKD)
  • Swiss Franc (CHF)
Your WSFx Smart Currency Card is ready for use once you get an activation mail and SMS on your registered email ID/ Indian Mobile number shortly after your card is loaded, reloaded or refunded. To check the balance of the card, download the WSFx Global Pay App from Play Store/App Store and check your transaction history anytime.
Yes, this Card cannot be used in Nepal, Bhutan and in countries as per UN sanction list time to time.
All ATMs overseas displaying the VISA symbol will accept your WSFx Smart Currency Card.
Issuance Fee Reload Fee Cross Currency Fee (Mark-up Fee) Cash Advance / Cash Disbursement Fee Wallet to Wallet Transfer Fee* Inactivity Fee Lost Card Replacement Fee
INR 150/- INR 100/- 3% of Transaction Amount 2% of Transaction Amount 2% of Transaction Amount NIL International Location: INR 2500.00 ** ; Indian Locations: NIL
Currency USD GBP EUR CAD AUD SGD AED JPY
Balance Enquiry Fee at ATM 0.50 0.50 0.50 0.75 0.75 0.75 2.00 60.00
ATM Cash Withdrawal Fee 2.00 1.50 1.75 2.50 2.50 2.75 7.25 225.00
ATM Cash Withdrawal Limit Per Day 1,500 1,000 1,000 1,500 2,000 1,500 5,000 150,000
POS / Ecom / Cash Advance / Cash @ POS limit Per day 7,500 5,500 6,500 9,500 10,000 10,000 25,000 850,000
Currency SAR THB NZD ZAR HKD CHF INR
Balance Enquiry Fee at ATM 1.75 16.00 0.75 7.00 4.00 0.50 8.00
ATM Cash Withdrawal Fee 7.50 65.00 2.75 28.00 15.00 2.00 20.00
ATM Cash Withdrawal Limit Per Day 5,000 45,000 1,500 12,500 7,500 1,000 10,000
POS / Ecom / Cash Advance / Cash @ POS limit Per day 25,000 250,000 10,500 1,00,000 55,000 7,500 20,000
*Wallet to wallet transfer from your FC wallet to your INR wallet will have a fee of 1% on the transaction amount
*Govt Taxes as applicable will be additional
**For International location, payment link requesting INR 2500 will be sent to your registered email id for replacement fee covering shipping cost. Post payment, replacement card will be dispatched.
Yes, your WSFx Smart Currency Card can be reloaded multiple times in future till the card gets expired.
  • Instantly reload through the WSFx Global Pay App
  • Or get the card reloaded through the WSFx branch
  • Reload requests can also be made by you or the following person on your behalf by submitting the reload application and making the payment.
    1. a) Spouse
    2. b) Father or Stepfather
    3. c) Mother or Stepmother
    4. d) Son or Stepson
    5. e) Son's Wife
    6. f) Daughter or Stepdaughter
    7. g) Daughter's husband
    8. h) Brother or Stepbrother
    9. i) Sister or Stepsister
*A Reload Fee will be applicable.
Yes, you can transfer balance from one currency wallet to other currency wallet using your WSFx Global Pay App. Please note that this option should be used judiciously as there is a wallet to wallet Transfer Fee applicable for each transfer.
  • The merchant inserts/dips the chip card in the POS terminal
  • The chip card must remain in the terminal till the transaction is completed
  • If the merchant accidentally swipes the card at the place of inserting/dipping the card, the terminal will automatically identify it as a chip card. The terminal will prompt the cashier to insert the chip card instead of swiping it
  • If the POS terminal does not read the chip-enabled card, the card can be used for normal magnetic stripe swipe on the POS terminal as well
  • You may have to enter your ATM PIN if the POS machine prompts for the same while using on any VISA enabled merchant establishments
  • The card has an NFC (Near Field Communication) feature enabled in it. You can look for Visa PayWave mark or a contactless logo at the Point of Sale terminal machine at merchant outlets
  • The card can be used by a tap/wave or bringing it close to the terminal screen (within 4 cms)
  • The transaction amount will be deducted from the available balance
  • Enter 4-digit secured ATM/POS PIN (if prompted)
  • A green light will signal indicating that the transaction is completed
  • Collect your WSFx Smart Currency card, customer copy of transaction slip and purchase invoice
Please note that the requirement of PIN entry on the POS terminal at the merchant outlet is a function of country-specific regulations and is subject to change. PIN input is not mandatory for purchases below the permissible local limit, hence you are advised to check the same with the merchant before usage. In case the transaction amount is greater than the permitted transaction limit,the merchant would swipe/ dip the card in the normal POS terminal.
The card gets blocked for use at ATMs, if the card has been used with the wrong ATM PIN more than 3 times. This is for your own security and to prevent any fraudulent use on the card. If you have forgotten your PIN, you may log on to the WSFx Global Pay App to reset the ATM PIN/write to wsfxsmartcard@yesbank.in or call the customer care @ 8976707222 for generating a new ATM PIN.
You can withdraw cash from any networked ATM. Kindly ensure that you select the type of Account as "Checking / Current" or "Credit”. The Savings option will not work for prepaid Forex Card.
  • Firstly, confirm if the “International Transaction” in the ‘Manage Card’ section is enabled in your WSFx Global Pay App.
  • Log on to the International merchant website
  • Select “Credit card” option as the mode of payment
  • Enter card details, billing information and your ATM PIN as second factor authentication. This will be a dynamic OTP received on your registered Indian mobile number.
  • Confirm to make the payment
  • Temporary block your card through the WSFx Global Pay App
  • Hot-list (Permanent Block) the card by calling our 24/7 customer care immediately @ 8976707222
  • The cardholder will be liable for all the charges incurred on the card until the card is hot-listed
  • It is advisable to file a complaint with the local police if an unauthorized transaction has been made on the card
Yes, you can however, transfer money to your account via POS at foreign bank branch. This is known as Cash Advance facility which is chargeable. Please check the schedule of fees and charges to understand more.
You can check your “Statement” in the WSFx Global Pay App to know more about your transactions. You will receive a charge slip from the merchant, and also receive an Email/ SMS on your registered Email ID and Indian phone number once the transaction is successful.
If the balance in your wallet in the respective currency of transaction goes down, then your card checks for balances in the other currency wallets and transaction is processed by debiting the currency wallet having sufficient balance by converting the wallet currency into the currency of transaction. In this case currency conversion charges are applicable. Please note that in such a scenario entire transaction amount would be debited from currency wallet with sufficient balance.
USD-EUR-GBP-SGD-JPY-CAD-AUD-NZD-AED-THB-HKD-CHF-SAR-ZAR will be the Currency Flow
  • Please Login to the WSFx Global Pay App with your phone number & password.
  • Link your WSFx Smart Currency Card
  • Click the “Manage” tab
  • Drag the toggle button to the right to enable the desired mode ATM/ POS/ Online/ Contactless/ International usage instantly (turns green when enabled & you will see an instant notification on screen about successful setting).
  • For disabling instantly, please drag the button to the left (turns grey when disabled & you will get an instant screen notification when done).
  • A SMS/email alert will be sent notifying about the changes made.
  • Alternately, you may call our Customer Care on 8976707222 for doing the needful as per your request.
ATM/POS/Online/Contactless/International transactions.
  • Please note transaction limit can be set for daily usage, i.e. limit applicable for usage multiple times during the day until the set transaction limit value.
  • Login to the WSFx Global Pay App
  • Click on ‘Set Daily Transaction Limit’ tab.
  • Drag the value in USD to set the daily limit under the respective Transaction type: ATM/POS/Online.
  • The USD value is used as a reference to arrive at the equivalent currency value available across all wallets for transaction mode selected.
  • Click on ‘Apply’ to enable changes immediately. (Else changes will not be saved & old limit values will be continued).
  • Once changes are made, it will be instantly displayed on the screen.
  • SMS-email alert will be sent notifying about the changes made
  • Alternately, you may call our Customer Care on 8976707222 for doing the needful as per your request.
  • The maximum & minimum limits are displayed in USD on the screen under ‘Modify Transaction Limit’ tab in the WSFx Global Pay App.
  • 65 USD or equivalent.
  • The transaction limit can be set for daily usage only, i.e. limit applicable for usage multiple times during the day until the set transaction limit value is reached. Post which transactions will remain disabled until day end (23:59 hours IST). Limits reset next day (00 hours IST).
  • However, you may modify limit as per your convenience for higher values. Please refer Q25 for details.
In certain countries, the overseas banks providing ATMs or POS machine payment services may offer to charge you in Indian Rupees, this concept is called “Dynamic Currency Conversion” (DCC). This process allows the ATMs or the Merchants to charge significantly higher mark-up on the currency conversion.
In your interest, the WSFx Smart Currency Card in general will decline DCC transactions thereby saving you from unnecessary charges. However, despite the safeguards, it should be noted that if in case a transaction is approved under DCC, the customer will have to bear the loss related to exchange mark-up. The card issuer is not liable for “Dynamic Currency Conversion” related charges and will not be able to refund any such charges in case you proceed with DCC transaction and accepts the DCC charges in the ATM / POS machine.
When you check into a hotel or rent a car using your WSFx Smart Currency Card, the merchant may block a certain amount on your card. This is called pre-authorization and the funds on your card will be blocked till such time that the bills are finally settled. Based on Visa norms, WSFx may not be able to credit you the pre-authorized amount for up to 30 days from the date of pre-authorization.
  • Avoid using your WSFx Smart Currency Card for Pre-authorization
  • However, you may modify limit as per your convenience for higher values. Please refer Q25 for details.
In case you have a dispute on any specific transaction, you are requested to raise a ticket for the particular transaction in the WSFx Global Pay App or provide the details of the transaction to our contact center @ 8976707222 or write your dispute to us at wsfxsmartcard@yesbank.in
If your WSFx Smart Currency Card has expired before all funds have been utilized, you can contact any of the WSFx branch for refund of the un-utilized balance, or apply for a replacement card to continue to access the remaining funds for payment through the card in future.
Zero Liability Insurance is applicable only on fraudulent Point of Sale transactions and not for ATM transactions. It means if the card holder has reported loss of card to the bank and card blocking is acknowledged by the Bank,the Customer will not be liable for any further usage on the card. We offer a complimentary insurance cover to safe guard you from any fraudulent usage on your WSFx Smart Currency Card. For lost/counterfeit/stolen cards the insurance cover is up to INR 3,00,000.
Terms & Conditions for the Insurance Cover:
  • The claim will be admissible if there is any transaction (Financial or Non-financial) by the cardholder in the past 6 months.
  • The claim documents must be submitted within 7 working days from the time of reporting the fraudulent usage of the card.
Below documents are required for an Insurance Claim:
  • Duly filled and signed insurance claim form.
  • FIR Copy/ General Complaint filed with Local Police Authority.
  • WSFx Smart Currency Card statement of last six months before the date of incidence.
  • Any other relevant documents/information asked from time to time to carry out investigation.
Please ask the merchant to ensure that he is swiping your card through a credit card terminal and not a debit card terminal. He also needs to ensure that the machine is online and connected. In case both these scenarios don’t work, please report it to us immediately.
Yes, you can retain the card if the leftover balance on card is less than USD 2000 or its equivalent. In case the balance exceeds this limit, per regulatory norms, you are required to surrender it in not more than 180 days of your return.
You can place the request for a replacement card in the WSFx Global Pay App/ you can call our customer care @ 8976707222 or write to us at wsfxsmartcard@yesbank.in .The charges for the reissuance are given in the schedule of charges section.
You can encash the unused balance in your card once you return to India. However, the last transaction done on the card should be more than 10 days prior to the date of encashment.
Please note that it takes up to 2-3 working days to encash the balance on your card after the request is received.
Note: It may take more than 3 working days if there is any discrepancy in the claimed balance in the forex card or account details shared by the card holder are found to be incorrect.
This is applicable when you have more than one Currency Wallet loaded on your Account, the order that the transactions or fees may be applied to your Account will be as per Currency Auth Order. Currency Auth Order will be defined by the card issuer and in case of any change in the order the card issuer may send notification to cardholders. Current “Currency Auth Order” for your WSFx Smart Currency Card is as follows:
USD, EUR, GBP, SGD, JPY, CAD, AUD, NZD, AED, THB, HKD, CHF, SAR and ZAR. For e.g. Cardholder performs following transactions where Currency Auth Order will be applicable:

Scenario 1 – If the local currency is part of the offered multiple currencies on the WSFx Smart Currency Card but Cardholder does not have sufficient balance in local currency wallet, however if the customer has sufficient balance (equivalent to local currency) on default currency wallet (USD) then the transaction will be processed using the balances on the default currency wallet. Value from the default currency will be converted to local currency using cross currency conversion rate applicable.

Scenario 2 – If the local currency is part of the offered multiple currencies on the WSFx Smart Currency Card but customer does not have sufficient balance in local currency wallet as well as default currency wallet (USD) however if the customer has sufficient balance (equivalent to local currency) on any other currency wallet then the transaction will be processed using the balances from the respective currency wallet.

Scenario 3 – If the local currency is not part of the offered multiple currencies on the WSFx Smart Currency Card however if the customer has sufficient balance (equivalent to local currency) on any other currency wallet then the transaction will be processed using the balances from the respective currency wallet.

Value from the respective currency will be converted to local currency using cross currency conversion rate decided by the card issuer. This rate will be calculated with a Currency Conversion Fee on the prevailing day’s foreign exchange rate. Cross currency conversion would take place as per existing Conversion rates as applicable.

Partial transactions in different currency wallets are not allowed. If the customer does not have sufficient balance to process the transactions individually in any of the currency wallets, the transaction is declined even if the collective balances on the WSFx Smart Currency Card across all currencies is sufficient to process the transaction.

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