ING Vysya Bank Forex Travel Card is a pre-paid foreign currency chip card that offers you a safe, secure and

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1 Forex Travel Card FAQs: What is ING Vysya Bank Forex Travel Card? ING Vysya Bank Forex Travel Card is a pre-paid foreign currency chip card that offers you a safe, secure and convenient way to meet all expenses for your travel overseas. You can load this card with foreign currency in India and use it to shop, dine, travel, pay hotel bills across 14 million Visa merchant outlets free of charge and withdraw cash from 1.6 million Visa/Plus ATM s across 200 countries worldwide with a charge. What currencies is ING Forex Travel Card available in? ING Forex Travel Card is available in 6 currencies - US Dollar, Sterling Pound, Euro Australian Dollar, Japanese Yen and Canadian Dollar. ING s New EMV Chip based - Multicurrency Forex Travel Card: USP of our Card : 3 M s Its More Secure It Mitigates Fraud It has a Modern Microchip on the front EMV (stands for Euro pay, MasterCard and Visa) is a global security standard for chip card technology which is in line with the new RBI guidelines for higher Forex prepaid card security as it comes with an EMV Microchip which will store encrypted customer information for unmatched additional security and convenience. How EMV Chip cards are better than magnetic-stripe cards with EMV chip cards? Chip cards are safer than magnetic stripe cards. A magnetic stripe card can be cloned. A chip card, however, contains a microprocessor chip that uses encryption to prevent its contents from being replicated. What are the advantages of having the EMV chip in my card? Compared to a magnetic stripe card, a chip card is able to store more data that uniquely identifies the card and the cardholder. This makes it nearly impossible for fraudsters to decode, or tamper with the card. How do I use my Chip Card? 1. Insert Card as far as it will go into POS terminal and leave it there. 2. Follow terminal 4 instructions to select type of payment (E.g. Credit) 3. Wait for cardholder to confirm the amount and provide 4 digit PIN or signature to authorize the transaction 4. Remove Card

2 Do I need to have an ING Vysya bank account to purchase the ING Forex Travel Card.? You don t need to have an account with ING Vysya Bank to purchase ING Forex Travel Card. Just walk into select ING Vysya Bank branches and purchase an ING Forex Travel Card over the counter. Please refer our FES ING Branch Locator on main page under Quick Access to locate FES branches. What documents do I need to submit when I purchase ING Forex Travel Card? SNO Purpose Limit Documentation 1 Basic Travel Quota (BTQ) - For Holidays, Personal visits etc USD $10, per financial year Application Form, Form A2, Passport Copy, Ticket Copy, self declaration and VISA copy 2 Business Travel USD $25, per Trip Application Form, Passport Copy, Letter from the Company stating that the employee is going abroad on business with details of places of stay 3 Studies Abroad - For students pursuing USD $100, per Application Form, Form A2, Passport Copy and studies abroad academic year Self Declaration, Offer letter from the University. 4 Medical Treatment - For people who are USD $100, per Application Form, Form A2, Passport Copy and travelling abroad for treatment year Self Declaration

3 What is the schedule of charges? ING Forex Travel Card charges are: Issuance Fee Renewal/Reload Fee Add-on Card Fee Encashment Charges VISA ATM s Cash Withdrawal Balance Inquiry** Rs 225+Taxes Rs 100+Taxes Rs 100+Taxes Rs 100+Taxes USD GBP EURO AUD JPY CAD Card Replacement Fee $3.00* New ATM PIN $2.00 New i-connect password $1.00 Charge Slip Retrieval $3.00 Chargeback Fee Currency Conversion Sale/Reload and Refund Usage( cross currency) None 3% As per Bank s Card Rate 3.00% *Postage and Handling charges will be debited from the card Balance. No interest will accrue to the customer for the Balance stores on card. **For checking your balance on card online please log in through IE 7 or 8 or else Mozilla Firefox 3.2 and select Login option as Forex Travel Card.

4 Can this card be used in India? No, this card cannot be used in India, Nepal and Bhutan. How much foreign exchange can I load into the card? The usage of your ING Forex Travel card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations. The amount loaded or reloaded on a card should be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations in force at present. Where do I call if I need some assistance? You can call ING Vysya Bank's 24-hour Customer Service Number for any assistance and information related to your card. This is a dedicated number for all your card related assistance. Can I write an to the service desk, in case of any query? Yes, you can your queries to forextravelcard@ingvysyabank.com. What is my APIN? Your ATM Pin (APIN) is a unique 4 digit secure number assigned to your card and known only to you. It allows you to withdraw cash from VISA/ VISA Plus / ATMs worldwide with a charge as listed. How do I find Visa ATM? There are 1.6 Million Visa ATM s at 200 countries and territories worldwide. Please click on the below ATM locator to find nearest Visa ATM. or

5 What options should I choose to withdraw cash from the ATM? At the time of Cash withdrawal across Visa/Plus ATM s abroad, the screen will display 3 options for the type of accounts that you can carry out transactions in: 1. Credit 2. Savings 3. Checking Please choose the Credit option for transaction to be successful or if this option is not available then only choose the checking option. What to do if I forget my ATM pin? Please call our 24/7 customer service number and request for reissue of ATM pin. We will send the ATM pin at the address provided at the time of activation of the card. How should I use the ING Forex Travel Card at merchant establishments? Be smart and use your ING Forex Travel Card for all your shopping, hotel bills, car rental, across restaurants, fees and for other travel expenses absolutely free of any charge. Please note: 1. Always look for VISA sign at the Point-Of-Sale merchant establishment. The merchant must have an electronic point of sale card swiping terminal. Any usage of the card other than electronic use will be deemed unauthorized and you will be solely responsible for such transactions. 2. Present your ING Forex Travel Card only at the time of making payment for your purchases. 3. The merchant will swipe the card on an EDC terminal for authorization. 4. After successful authorization, funds in your card account will be debited for the transacted amount. 5. A sales slip will be generated. Be careful to check the amount before signing the sales slip and make sure that your signature matches as signed on back of the card. 6. Also make sure to retain a copy of the sales slip with you. Any sales slip not personally signed by you but which can be proven as being authorized by you will be deemed to your liability. 7. This completes your purchase transaction. 8. Please ensure that your card is returned to you before you leave the merchant premises.

6 What is the expiry date of the ING Forex Travel Card? ING Forex Travel Card is valid for 3 years. Please visit the nearby ING Branch for new card. What needs to be done incase Hotels/Car Rentals take a Pre-Authorization? You can use our ING Forex prepaid chip card to pay your Hotel bills at the time of check-out. However, please avoid using your card for checking-in (pre-authorization) at hotels. If you choose to use your card at the time of check in, the funds on your card will be blocked till such time that the bills is finally settled. To prevent blocking of funds please make sure that all the test swipes are cancelled. If you have already settled your bill through other mode, please request the Hotel to send a scanned copy of the Authorization Cancellation letter on the letterhead of the hotels settlement Bank or on the hotels letterhead to us via E- mail. Further, the hotel should state that you have settled this bill through some other mode and they don't need the authorization taken any more. If you have already checked out from the hotel and are unable to provide the letter, you may provide us the copy of the final paid bill which contains the check-in and check-out dates & mode of payment. If the Hotel claims that the transaction was declined at their end then you should request the Hotel to send us scanned copy of the letter through stating that you have settled this bill through some other mode and they will not be raising any claims against your card from us. Whom should I contact in case I have any dispute in my transaction? Please call our 24-hour Customer Service Number or alternatively write an to dedicated service desk. What is the Insurance available on the card? Cover Approx. Delay in receipt of checked Upto INR 5000 baggage Loss of checked in Upto INR 5000 baggage Lost card liability Upto INR Passport Reconstruction cover Upto INR 10000

7 Note: The customer is automatically enrolled into the policy on the purchase of the card absolutely FREE being our customer. You can claim insurance if on incident date, your card is active and had a positive balance. Is temporary lock facility available on the card? Yes, please login to to temporary lock your ING Forex Travel Card. Please contact your 24 hour customer service number ( ) or send an to forextravelcard@ingvysyabank.com to deactivate your primary card. How do I track my transactions from wherever I am in the world? Please login to to track all your transactions while traveling from anywhere in the world. If the merchant says that the card is not working, what is to be done? Please check with merchant to ensure that he has swiped the card properly and on a Credit Card terminal. If he acknowledges doing same and the card still does not work, please look for an ATM to withdraw minimal cash as per your requirement as withdrawing cash comes with a charge and its risky to carry cash.. What exchange rates are applied when a transaction is made on the card? If the transaction is done in base currency (currency in which the card is purchased), there is no exchange rate applicable. However, for transactions done in currency other base currency, exchange rates / conversion rates from the base currency to the local currency are applicable in accordance with fine rates applied by Visa. Currency conversion is done automatically in an international online environment by VISA. We as a bank do not have any role in the currency conversion. There is only a mark-up of 3% done by VISA on our behalf for currency conversion transactions. The rates used by VISA are fine and is globally accepted by all banks. Can I retain the foreign exchange on the ING Forex Travel Card after returning to India? One can retain the card only if the balance on the card is less than $2000. Else the amount needs to be refunded within 60 days from the date of arrival*. In case refund is not made on time, the card would be suspended and the card holder can face legal action. *As per RBI regulations.

8 How can I confirm if my card has been activated/ reloaded? You would receive an confirmation as soon as your card is loaded. You can also check your balance on our website using the login id and password provided for internet banking. ** For checking your balance on card online please log in through IE 7 or 8 or else Mozilla Firefox 3.2 and select Login option as Forex Travel Card Are there any charges for using a VISA ATM? As given in charge fee grid, no ATM transaction comes free. There is a transaction fee levied for using ATMs for cash withdrawal & Balance Inquiry. Thus limit use of your card on ATM and use on POS to avoid deduction of any charges Will the ATM display foreign exchange rates that one can use before withdrawing cash? No ATM will not display at foreign exchange rates. Post withdrawal of cash, with figure for amount withdrawn and balance available in card, it is possible to arrive at the exchange rate charged. What is Global Customer Assistance Service (GCAS)? As a cardholder you can also access Visa's Global Customer Assistance Service (GCAS), to report a lost or stolen card, get emergency cash assistance or an emergency card replacement, and make inquiries*. With an extensive network of toll free lines from over 70 countries worldwide, the GCAS program provides excellent round-the-clock emergency support anywhere in the world. The GCAS numbers can be found on the Visa website at: Some of toll free numbers are mentioned here for your reference: United States: , United Kingdom: , Australia: , Canada: , France: , Germany: , Singapore: , Hong Kong: , Japan: Alternatively, you can place a collect call through your local operator to for assistance. India: Access Code then Core Services offered by GCAS Emergency Card Replacement Emergency Cash Disbursement Cardholder Inquiry Service Lost and Stolen Card Reporting Other services offered by GCAS Emergency Legal Assistance Emergency Medical Assistance Emergency Message Service Emergency Ticket Replacement Assistance Emergency Translation Service Lost Luggage Assistance

9 *Charges Applicable Whom should I contact when I need a replacement card? Contact the 24-hour Customer Service Number ( ) for the replacement card or send an from the registered id to forextravelcard@ingvysyabank.com How can I apply for a refund on the card? The Card can be encashed only after your return to India. For refund of the residual or unutilized balances you can approach ING listed branches where the card was issued. You need to complete the refund form and submit a copy of your passport along with the form. At what rate can I get my funds refunded? The funds would be credited to you at the ongoing rate of the day when you apply for the refund at the branch.