Add On
Currency, without the confusion.
We arrange forex cards and foreign currency through authorised dealers, delivered before you fly. Here are the rules every Indian traveller should know.
Card or cash?
Forex card
Prepaid and loaded in the currency you need, with the rate locked when you load. Safer than cash and accepted widely. Best for most trips.
Cash
Keep some for taxis, tips, markets and small shops. Carry it in more than one place.
Indian debit or credit card
Useful as a backup. Expect a foreign transaction markup, and enable international use before you travel.
RBI and customs limits
| Rule | Limit |
|---|---|
| Total foreign exchange per person per financial year, under the Liberalised Remittance Scheme | USD 250,000 |
| Foreign currency notes for a trip | Up to USD 3,000. The rest on a forex card or other instruments. |
| Indian rupees you can take out of or bring into India | Up to ₹25,000 per person |
| Declaration on return to India | Declare if foreign currency notes exceed USD 5,000, or total foreign exchange exceeds USD 10,000 |
| When you can buy forex | Up to 60 days before travel |
| Documents to buy forex | Passport, PAN, visa where needed and air ticket |
TCS on overseas tour packages
- From 1 April 2026, TCS on overseas tour packages is a flat 2% from the first rupee. Until 31 March 2026 it was 5% up to ₹10 lakh and 20% above.
- TCS is not an extra cost. It is deposited against your PAN, shows in your Form 26AS, and can be claimed or adjusted in your income tax return.
- Forex you buy separately for personal travel, outside a tour package, attracts TCS only above ₹10 lakh in a financial year.
- Tax rules change with each Budget. We show the TCS applicable on the date of your booking on every invoice.
Smart money tips
- When a card machine abroad asks to charge you in rupees, choose the local currency. Paying in rupees usually costs more.
- Tell your bank the countries and dates you will travel, so cards are not blocked.
- Keep a photo of your cards' helpline numbers, separate from the cards.
- Avoid changing money at airports and hotels, where rates are usually poorer.
- Unused forex can be sold back or kept on the card for your next trip.
Nepal and Bhutan
Indian rupees are accepted in both countries, and you do not need foreign exchange. Carry smaller denominations, as some shops are reluctant to take large notes.
Need forex for your trip? Tell us the currency and amount, and we will arrange it with your booking.