Often referred to as the “City of Gold,” Dubai is a global hub for luxury, culture, and innovation. From its towering skyscrapers like the Burj Khalifa to the vast deserts offering thrilling adventures, Dubai attracts millions of tourists each year. Whether you’re exploring the traditional souks and dining at fine restaurants or indulging in world-class shopping at The Dubai Mall, one thing is clear: you need a reliable way to manage your finances.

While traditional payment methods like cash, debit, or credit cards might seem convenient, they come with limitations, such as high conversion fees, security risks, and fluctuating exchange rates. This is where forex cards step in as a game-changer for international travellers. Designed specifically for trips abroad, forex cards are prepaid cards loaded with foreign currency, offering several advantages, such as:

• Cost-effectiveness: Save on hefty currency conversion and transaction fees compared to credit and debit cards.

• Convenience: Forex cards are easy to reload and track via mobile apps, ensuring uninterrupted access to funds while travelling.

• Wide acceptance: Use forex cards at ATMs, retail stores, and online platforms across the globe with ease.

• Safety and security: Advanced features like chip-and-pin technology, contactless payment options, and instant card blocking provide enhanced protection against fraud.

• Multi-currency functionality: Carry multiple currencies on a single card, making them ideal for multi-destination trips.

So, in this guide, we’ll suggest 7 best forex cards for Dubai that you can choose from, along with their fees and benefits.

1. AtlysX Multi-Currency Forex Card

2. DCB Niyo Global Card

3. HDFC Regalia ForexPlus Card

4. HDFC Multicurrency Platinum ForexPlus Card

5. BookMyForex Multi-Currency Forex Card

6. SBI Multi-Currency Foreign Travel Card

7. ICICI Multi-Currency Forex Prepaid Card

Note: Visiting Dubai soon? Make sure to apply for your Dubai visa, which is a mandatory requirement for Indians travelling there. 

1. AtlysX Multi-Currency Forex Card

Official website: atlys.com/x

The AtlysX Multi-Currency Travel Card by IndusInd is one of the best forex options for Indians travelling to Dubai. Supporting 14 currencies, including the UAE Dirham (AED), it eliminates cross-currency fees when spending abroad. [Cross-currency fees are typically applied when the currency of the transaction differs from the card’s currency. However, with the AtlysX card, these fees are waived when spending in AED or other 13 supported currencies.]

Additionally, the Atlys app allows users to monitor real-time exchange rates, ensuring that they load funds at the most favourable rates and maximising their value. Security is another key focus of the AtlysX card. Through the Atlys app, users have complete control over the safety of their card. The app allows you to change your PIN instantly, disable ATM withdrawals, and freeze the card immediately in case of loss or theft. You can also reload funds and track expenses through the app.

Moreover, the Atlys app offers integrated customer support, ensuring that help is always available through chat, email, or a 24/7 hotline. This accessibility ensures peace of mind, no matter where they are or what time it is.

Important details

• Issuance fee: Free for all Atlys customers.

• Cross-currency charges: None. 

• Markup fee: Zero markup fee for the first load of funds, and a 2% markup is charged on subsequent reloads.

• Daily ATM withdrawal limit: $1000 or equivalent in loaded currency. 

• Daily e-com & POS transaction limit: $10000 or equivalent in loaded currency.

2. DCB Niyo Global Card

Official website: goniyo.com

The DCB Niyo Global Card is another excellent forex solution for Indian travellers heading to Dubai. This card is loaded in INR, and when you use the card abroad, the transaction amount is automatically converted from INR to the local currency (like AED) at the real-time VISA exchange rate. Typically, most cards charge a markup fee of up to 3-5% on foreign transactions, which can add significant costs to your trip. With the DCB Niyo Global Card, you save that 5%, ensuring better value for your money when paying for shopping, dining, or accommodations in Dubai.

Users can manage the card via the Niyo app, which allows them to track spending, reload funds instantly, and view transaction histories. Moreover, the DCB Niyo Global Card is usable in over 180 countries and supports payments in 130+ currencies, eliminating the need to carry multiple currencies or cards. This feature makes it an ideal companion for multi-destination travellers or those who plan to shop from international online stores. For travellers who have a leftover balance after their trip, the card's remaining balance can be used for domestic spending in India or for international e-commerce transactions, offering flexibility even after you return home.

Further, the DCB Niyo Global Card is equipped with robust security features and offers round-the-clock assistance through in-app live chat. 

Important details

• Issuance fee: None.

• Markup fee: Zero.

• ATM withdrawal fee: ₹425 + GST.

• Card replacement fee: ₹249 + GST.

• Daily ATM withdrawal limit: ₹1 lakh per day.

• Daily e-com & POS transaction limit: ₹10 lakh per day.

3. HDFC Regalia ForexPlus Card

Official website: hdfcbank.com

The HDFC Regalia ForexPlus Card is a premium travel card tailored for individuals seeking hassle-free and secure payment solutions for their international trips. This single-currency USD card eliminates cross-currency markup fees, making it a perfect choice for frequent travellers who want to avoid hidden charges on foreign transactions. With worldwide acceptance at all VISA/MasterCard-enabled merchants and online platforms, the HDFC Regalia ForexPlus Card guarantees that you can make payments effortlessly wherever you go. 

The card also employs advanced security features, including PayWave contactless technology and Chip & PIN protection, allowing you to transact quickly and securely. Beyond this, the card offers an array of travel-focused benefits. You receive coverage against card misuse, accident insurance, baggage loss, and passport reconstruction, ensuring you are financially protected against unexpected situations during your trip. In the unfortunate event of losing your card, the global emergency cash delivery service steps in to provide immediate assistance. You also get exclusive privileges, such as one complimentary lounge access per quarter at international airports in India.

Moreover, the card is easier to manage with the Prepaid Card NetBanking. Through this platform, you can track your expenses, reload funds instantly, set transaction limits, and customise your card settings, giving you complete control over your finances while abroad. 

Important details

• Issuance fee: ₹1000 (+GST).

• Reload fee: ₹75 (+GST).

• Cross-currency markup fee: Zero.

• ATM cash withdrawal fee: $4 per transaction.

• ATM balance enquiry fee: $0.50 per transaction.

• Daily ATM withdrawal limit: $5,000 or the equivalent in other currencies.

4. HDFC Multicurrency Platinum ForexPlus Card

Official website: hdfcbank.com

Another great Forex card for Dubai from India by HDFC is their Multicurrency Platinum ForexPlus Card. Supporting up to 22 currencies, including popular options like USD, AED, and Euro, the card eliminates the need to worry about currency management for multiple destinations. 

One of its standout features is the exchange rate lock, which allows you to load funds at a fixed rate. This ensures you know exactly how much you're spending, giving you financial predictability and peace of mind. Additionally, the card offers intelligent fund utilisation. For example, when paying at the Dubai Mall, if your AED wallet runs out of balance, the card automatically checks other currency wallets (say, USD) and allows payment from that wallet. This feature ensures uninterrupted transactions during your trip.

Additionally, the card is packed with robust security features, including comprehensive insurance coverage. With PayWave contactless payment technology, you can make secure and convenient payments by simply waving the card at a distance of 4 cm or less from the terminal, eliminating the need to swipe or insert it. Moreover, through the HDFC Prepaid Card NetBanking, you can easily track expenses, reload funds instantly, and set transaction limits. This level of control ensures that you’re always on top of your spending.

Important details

• Issuance fee: ₹500 (plus GST).

• Reload fee: ₹75 (plus GST).

• Cross-currency charges: 2% of the transaction value for unsupported currencies.

• ATM withdrawal fee: $2 per transaction or equivalent in the loaded currency.

• Balance inquiry fee at ATMs: $0.50 per inquiry.

• Daily ATM withdrawal limit: $5,000 or equivalent in the loaded currency.

5. BookMyForex Multi-Currency Forex Card

Official website: bookmyforex.com

The BookMyForex Multi-Currency Forex Card is another convenient and cost-effective solution for your Dubai trip, supporting up to 14 currencies, including AED, USD, EUR, GBP, AUD, and SGD. What sets this card apart is its zero issuance and reload fees, allowing you to avoid unnecessary costs. This feature, combined with same-day doorstep delivery, ensures a seamless experience for those planning last-minute trips. Whether you're enjoying luxury shopping in Dubai or exploring the traditional shopping markets in the UK, this card offers ease and convenience with competitive rates and straightforward reloading options.

The BookMyForex Multi-Currency Forex Card is built with advanced security features, including bank-grade in-app security and chip-and-PIN protection. To add to your peace of mind, the card also includes complimentary insurance coverage, protecting you against potential mishaps during your travels. Also, you can easily manage your expenses online and locate nearby ATMs via the BookMyForex portal.

Important details

• Issuance fee: Zero.

• Reload fee: Zero.

• Cross-currency charges: 3.5% of the transaction value in unsupported currencies.

• ATM withdrawal fee: $2 per transaction.

• Balance inquiry fee at ATMs: $1 per inquiry.

• Daily ATM withdrawal limit: $1,000 or equivalent in the loaded currency. 

• Daily e-com & POS transaction limit: $7,500 or equivalent in the loaded currency.

6. SBI Multi-Currency Foreign Travel Card

Official website: sbitravelcard.com

The SBI Multi-Currency Foreign Travel Card supports up to 7 currencies, allowing you to lock in exchange rates during reloads. It, thus, offers financial predictability and shields you from fluctuating forex rates. It is usable at over 2 million ATMs and 34.5 million Mastercard merchants worldwide (except in India, Nepal, and Bhutan). 

The card’s online management platform ensures complete control over your travel finances. It allows users to monitor balances, track transactions, and locate nearby ATMs securely and conveniently. In terms of security, the SBI Multi-Currency Foreign Travel Card comes equipped with advanced chip and PIN protection to safeguard your transactions. For additional peace of mind, the card offers free replacement and emergency cash services globally in case of loss or theft, ensuring uninterrupted access to funds.

Important details

• Issuance + initial load fee: ₹100 + GST.

• Reload fee: ₹50 + GST. 

• ATM withdrawal fee: USD 1.75, £ 1.25, € 1.50, SGD 2.00, AUD 2.50, CAD 2.50, AED 6.50.

• Cross-currency fee: 3% of the transaction amount for unsupported currencies.

• Daily ATM withdrawal limit: $10,000 (or equivalent). 

7. ICICI Multi-Currency Forex Prepaid Card

Official website: icicibank.com

Lastly, on our suggestion list is the ICICI Multi-Currency Forex Prepaid Card. Supporting 15 currencies, including USD, GBP, EUR, AED, and SGD, this card also eliminates the need to worry about currency management for multiple trips. Its contactless payment feature using PayWave technology allows for quick and secure transactions at enabled merchant terminals, providing added convenience during your travels. The card prioritises security with its EMV chip technology and PIN protection. Furthermore, the card comes with comprehensive insurance coverage, protecting you from liability in the event of loss, theft, or counterfeit transactions.

Additionally, you can manage the card through ICICI Bank’s online portal and mobile app. These platforms allow users to reload funds, track balances, and monitor transactions effortlessly.

Important details

• Issuance fee: Zero.

• Cross-currency fee: 3.5% for transactions in unsupported currencies.

• ATM withdrawal fee: Up to $2 per transaction or equivalent in the loaded currency.

• Daily ATM withdrawal limit: $2,000 or equivalent in other currencies.

How to choose the best Forex card for your Dubai trip

Now that you know the top Forex cards for your Dubai trip, it's time to choose the one that best suits your needs. Here are key factors to keep in mind when making your selection:

1. Currency support: Ensure the card supports UAE Dirham (AED) to avoid cross-currency fees. Multi-currency cards, like AtlysX Multi-Currency Forex Card and HDFC Multicurrency Platinum ForexPlus Card, allow you to load AED. 

2. Fees and charges: Compare issuance fees, reload fees, ATM withdrawal charges, and cross-currency fees. Opt for cards with low or zero fees to save on costs.

3. Exchange rate lock: Look for cards that allow you to lock in exchange rates when loading funds, like the SBI Foreign Travel Card, protecting you from currency fluctuations.

4. Reload and management options: A user-friendly app or online portal for reloading funds, tracking expenses, and managing settings when abroad is essential for convenience.

5. Global acceptance: Choose a card accepted at ATMs, retail outlets, and online platforms in Dubai and beyond. Mastercard and VISA-backed cards typically have wider acceptance.

6. Additional perks: Look for added benefits like complimentary insurance, lounge access, and 24/7 customer support to enhance your travel experience.

Forex tips for Indians travelling to Dubai

• Withdraw cash strategically: While Dubai is largely card-friendly, it's good to have some cash for small purchases and tipping. Use your Forex card at ATMs to withdraw AED when needed.

• Be cautious of Dynamic Currency Conversion (DCC): While paying with your Forex card abroad, always opt to pay in the local currency (AED in Dubai) rather than your home currency (INR). Dynamic Currency Conversion often involves higher exchange rates and additional fees, which can significantly increase your costs.

• Take advantage of VAT refunds: Dubai offers a tax refund scheme for tourists on eligible purchases. Ensure you keep your receipts and claim the refund at designated counters at the airport before departure.

Pro tip: Maximise your savings by checking out our detailed guide on How to Claim a VAT Refund in Dubai. 

• Monitor transactions: Use the card’s app or portal to keep track of your spending and ensure your budget stays on track.

• Keep emergency numbers handy: Save the helpline numbers of your Forex card provider in your phone and on a physical note. These numbers would help report lost cards, seek assistance, or resolve issues quickly, especially during emergencies.

• Check validity date: Confirm that your Forex card is valid throughout your trip to avoid inconvenience.

Conclusion

Now that you’re familiar with the 7 best forex cards for Dubai, each with its unique features and benefits, it’s time to choose the one that suits your needs. For instance, the AtlysX Multi-Currency Forex Card stands out for its zero cross-currency fees and robust app features, while the HDFC Multicurrency Platinum ForexPlus Card shines with its multi-currency support and exchange rate lock feature. Compare the cards based on the factors discussed in the above ‘How to Choose the Best Forex Card’ section to make an informed decision tailored to your travel requirements.

But remember, getting a Forex card is just the first step. To truly achieve economical financial management, use it wisely. Follow our ‘Forex Tips for Indians Travelling to Dubai’ to maximise savings and enhance your overall travel experience. By planning well and spending smartly, your Dubai trip can be not only memorable but also financially efficient.

Planning your first Dubai trip? Make your experience even better by checking out our detailed guides on the top places to visit in Dubai and transportation options in Dubai, covering everything from the efficient metro system to affordable taxis and car rentals. Let us help you make the most of your Dubai adventure!