Are you planning an exciting trip to Georgia and wondering how to manage your spending while exploring this beautiful country? Look no further! Forex cards are your ultimate solution for hassle-free currency management! 

What exactly is a Forex card? A Forex card is a prepaid card loaded with foreign currency that allows you to make payments, withdraw cash, and manage your expenses abroad without worrying about currency conversions. Think of it as your one-stop solution for handling all international currency needs. Every time you plan an international trip, you do not have to worry about finding a reliable and economical currency exchange point or carrying large amounts of cash.

To make your Georgia trip more hassle-free, in today’s blog, we’re covering the best forex cards that you can consider. Let’s get started!

Note: Also, make sure to apply for your Georgia e-visa in advance to avoid any last-minute disruptions to your travel plan. 

List of the best forex cards for Georgia from India:

1. AtlysX Global Forex Card

2. BookMyForex Multi-Currency Forex Card

3. HDFC Multicurrency Platinum ForexPlus Card

4. Axis Bank Multi-Currency Forex Card

5. IDFC FIRST Multi-Currency Forex Card

6. Kotak Forex Card

7. Thomas Cook One Currency Card

1. AtlysX Global Forex Card

Website: atlys.com/x

The AtlysX Global FX Card by IndusInd is one of the best forex cards tailored for frequent travellers. Its user-friendly, transparent fee structure and advanced digital features help it to stand out from other traditional cards. 

Fees

The AtlysX Global FX Card has no hidden costs!

• Currency supported: USD.

• Issuance fee: Free for all Atlys customers.

• Cross-currency charges: None. 

Features

• Global currency flexibility: While funds are loaded in USD, the card can be used to transact in any currency worldwide without cross-currency charges.

• No hidden charges: The card offers real-time exchange rates and no markup on your first load, ensuring you always know what you’re paying. Subsequent reloads come with a transparent 2% markup.

• Fully digital process: From application to fund reloads, every step can be completed online via the Atlys app.

• Unused fund recovery: Post-trip, you can withdraw unused balances in INR at interbank rates, giving you maximum value for your money.

• Advanced security features: Control your card’s security through the app. Features include PIN changes, the ability to disable ATM withdrawals or contactless transactions, and instant card freezing for peace of mind.

Why is it a good option for Georgia? The AtlysX Global FX Card is perfect for Georgia because there are zero cross-currency charges. This means you can spend the loaded USD in Georgian Lari (GEL) at no extra charge! Plus, suppose post-trip, you still have some unused balance left; you can easily withdraw it in INR at interbank rates, which is impossible with many traditional forex cards.

2. BookMyForex Multi-Currency Forex Card

Website: bookmyforex.com

The BookMyForex Multi-Currency Forex Card is another excellent choice, offering the convenience of loading multiple currencies on a single card. Additionally, it offers competitive exchange rates and advanced security features, ensuring a smooth and hassle-free travel experience. 

Fees

• Issuance fee: None.

• Reload fee: None.

• Cross-currency charges: 3.5% of transaction value.

• ATM withdrawal fee: $2 per transaction.

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

Features

• Supports 14 currencies: The card can store up to 14 currencies, including USD, EUR, GBP, and SGD, allowing seamless transactions across different regions.

• Zero usage fees: No issuance, reloading, unloading, or annual fees ensure maximum cost savings for travellers.

• Enhanced security: Chip-and-PIN technology and free insurance coverage offer added protection against fraud or misuse.

• Convenience: Same-day delivery ensures last-minute travellers can still enjoy its benefits.

• Online account management: Track your transactions, nearby ATMs, balance and funds anytime through the BookMyForex online portal. 

Why is it a good option for Georgia? The BookMyForex Multi-Currency Forex Card is a great option for Georgia because it offers competitive rates for paying in GEL. You can also transact in USD, which is widely accepted in Georgia. Moreover, with support for 14 major currencies, this card eliminates cross-currency conversion fees when travelling to other destinations, making it a budget-friendly choice for frequent travellers.

3. HDFC Multicurrency Platinum ForexPlus Card

Website: hdfcbank.com

The HDFC Multicurrency Platinum ForexPlus Card is another trusted forex card option from one of India’s leading banks. This card supports 22 currencies, robust safety features, and the option to lock in exchange rates, making it cost-effective.

Fees

• Issuance fee: ₹500 (plus GST).

• Reload fee: ₹75 (plus GST).

• Cross-currency charges: 2% for unsupported currencies.

• ATM withdrawal fee: $2 per transaction or equivalent.

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

Features

• Supports 22 currencies: Load your wallet with up to 22 currencies (AUD, AED, CAD, EUR, HKD, JPY, SGD, GBP, CHF, SEK, THB, ZAR, OMR, NZD, DKK, NOK, SAR, KRW, BHD, QAR, KWD and USD), offering unmatched flexibility for multi-destination travel.

• Lock-in exchange rates: Secure favourable exchange rates at the time of loading to avoid foreign exchange fluctuations, ensuring better budgeting.

• Smart wallet utilisation: If the primary wallet lacks sufficient balance, the card automatically checks other wallets for funds to complete transactions seamlessly.

• Comprehensive insurance coverage: Comes with coverage against skimming and counterfeiting (up to INR 500,000) and air accident insurance (up to INR 25,00,000) for added peace of mind.

• Contactless payment: Use PayWave technology for quick, secure, contactless payments at retail outlets worldwide.

Why is it a good option for Georgia? The HDFC Multicurrency Platinum ForexPlus Card is another good forex choice for Georgia as it supports USD, which is widely accepted in the country. Additionally, unlike most cards, it allows locking in exchange rates, which enables you to avoid unpredictable fluctuations.

4. Axis Bank Multi-Currency Forex Card

Website: axisbank.com

The Axis Bank Multi-Currency Forex Card is a feature-rich option for international travellers, designed to simplify currency management with support for 16 currencies. With competitive exchange rates and secure transactions, this card offers convenience, flexibility, and value.

Fees

• Issuance fee: ₹300 (plus GST).

• Reload/renewal fee: ₹100 (plus GST).

• Cross-currency charges: 3.5% for unsupported currencies.

• ATM withdrawal fee: $2.25 per transaction or equivalent.

Features

• Multi-currency wallets: Load and manage up to 16 currencies, including USD, EUR, GBP, AUD, SGD, and more, ideal for multi-destination trips.

• Lock-in exchange rates: Pay at the rates you load or reload your card, ensuring protection against exchange rate fluctuations.

• Enhanced security: EMV chip technology ensures safe and secure transactions worldwide, giving peace of mind while travelling.

• 24/7 assistance: The card comes with EMV chip technology, ensuring secure transactions worldwide. Additionally, enjoy 24/7 global emergency assistance, including free card replacement (domestic) in case of loss.

• Reward program: Earn reward points for card usage, redeemable for exciting offers, adding extra value to your spending.

Why is it a good option for Georgia? The Axis Bank Multi-Currency Forex Card is also a good choice for Georgia due to its support for widely accepted currencies like USD. The card’s lock-in exchange rate ensures predictable spending, while robust security features like EMV chip technology and global assistance services provide added confidence. 

5. IDFC FIRST Multi-Currency Forex Card

Website: idfcfirstbank.com

With competitive rates, fee-free transactions, and advanced security features, the IDFC FIRST Multi-Currency Forex Card is designed to provide convenience and flexibility for both leisure and business travellers.

Fees

• Issuance fee: Zero.

• Reload fee: Zero.

• Cross-currency markup charges: 3.5% + GST.

• ATM withdrawal fee: Zero fee for the first three withdrawals in a month, then 1.5% per withdrawal. 

Features

• Support for multiple currencies: The card supports 14 currencies, including USD, EUR, GBP, and AUD, and allows you to spend in local currency at competitive rates. 

• Zero issuance and reload fees: The travel card offers zero issuance, load, and reload charges. This can save you money compared to traditional currency exchange methods or using credit/debit cards that may incur foreign transaction fees.

• Enhanced security: The card is equipped with EMV chip technology and robust fraud protection measures, ensuring secure transactions worldwide.

• Online management: Easily track your expenses, reload your card, and manage transactions through the IDFC FIRST Bank portal or mobile app.

• Insured: You can benefit from comprehensive travel insurance coverage, which provides peace of mind against unexpected events during travel.

Why is it a good option for Georgia? With zero issuance and ATM withdrawal fees for the first three withdrawals per month, the IDFC FIRST Multi-Currency Forex Card minimises travel expenses, making it ideal for budget-conscious travellers.

6. Kotak Forex Card

Website: kotak.com

Next in line is the Kotak Forex Card, a dependable option for managing foreign currency while travelling in Georgia. Supporting 13 major currencies, this card also has advanced security features and an easy fund management process.

Fees

• Issuance fee: ₹250 + GST.

• Reload fee: ₹75 + GST.

• Cross-currency charges: 3.5% for unsupported currencies.

• Cash withdrawal fee: Up to $2 per transaction.

• Balance enquiry fee: $0.5 per inquiry at overseas ATMs.

Features

• Advanced security: EMV chip and PIN-based transactions enhance security. Real-time SMS and email alerts further keep you updated on every transaction.

• Backup card and lost card insurance: Instantly replace a lost or damaged card with a backup option. The card includes Lost Card Liability Insurance up to ₹2,00,000.

• Travel document insurance: Unique coverage for loss of passport and travel documents up to ₹50,000, a one-of-its-kind feature.

• 24/7 emergency assistance: Global Customer Assistance Service (GCAS) provides round-the-clock support for emergencies like card loss or balance inquiries.

• Supports 13 currencies: Manage up to 13 currencies, including USD, EUR, and GBP, making it versatile for travel across multiple countries. 

Why is it a good option for Georgia? In addition to supporting USD, a widely accepted currency in Georgia, and advanced security measures, the Kotak Forex Card provides lost card liability and passport insurance, making it a popular choice for those seeking added benefits. 

7. Thomas Cook One Currency Card

Website: http://thomascook.in

Like AtlysX, the Thomas Cook One Currency Card charges no cross-currency markup fees, a major advantage for frequent international travellers. 

Fees

• Issuance fee: None. 

• Reload fee: None.

• ATM withdrawal fee: $3. 

Features

• Convenience: The card can be used at over 35.2 million Mastercard merchants in 200+ countries and for withdrawals from 2 million Mastercard ATMs worldwide.

• Enhanced security features: Equipped with chip and PIN protection, real-time transaction alerts via SMS and email, and insurance coverage of up to INR 7,50,000, the card allows you to travel with more confidence.

• Backup and emergency services: A backup card is available at zero cost, and lost or stolen cards are replaced free of charge. Additionally, emergency cash assistance is available, allowing you to withdraw funds up to your card balance in critical situations.

• Global support: Manage your card with ease through a website and mobile app to check balances, review statements, change PINs, or block the card. Plus, enjoy 24x7 global customer assistance.

• Post-trip withdrawal: Use unspent funds on your next trip, withdraw the funds at an ATM abroad, or cash out your card.

Why is it a good option for Georgia? What helps Thomas Cook One Currency Card stand out is the feature of a free backup card that safeguards against disruptions if the primary card is lost or damaged. In case of loss or theft, the card is replaced at no cost, and emergency cash up to your card balance (subject to availability) provides vital support during urgent situations.

How to choose the best Forex card for Georgia

Here’s how to choose the best forex card for your Georgia trip and beyond:

• Evaluate currency support: Ideally, choose a card that supports the Georgian Lari; however, since there aren’t many options available in India, opting for a multi-currency Forex card is best. Multi-currency forex cards, like BookMyForex and Axis Bank cards, support 14 and 16 currencies, including USD (which is widely accepted in Georgia), eliminating the need to worry about currency management for every trip. 

• Compare exchange rates: Exchange rates can significantly impact your travel budget. Different card issuers offer varying rates; therefore, compare them to find the most competitive option. Some cards provide locked-in exchange rates at the time of loading, protecting you from currency fluctuations. 

• Understand card limits: Be aware of any limitations, such as daily withdrawal limits or maximum balance thresholds, to manage your spending effectively. For instance, BookMyForex Multi-Currency Forex Card and Axis Bank Multi-Currency Forex Card allow a daily withdrawal limit of $1000, while the daily ATM withdrawal limit of the HDFC Bank Multi-currency Platinum ForexPlus Card is $5,000.

• Look for additional benefits: Some Forex cards offer perks like travel insurance, reward points, or discounts on travel-related expenses. For example, the Axis Bank Multi-Currency Forex Card offers rewards on card usage. 

• Seek recommendations and reviews: Consult fellow travellers or online reviews to gain insights into user experiences with different Forex cards, aiding in your decision-making process. Personal experiences can highlight practical advantages or potential issues not immediately apparent from official sources. 

Tips to use Forex card in Georgia

Once you have chosen the card, the next crucial responsibility is to use it wisely, minimising the added costs. Here are some practical tips on how you can do this:

• Preload your card with sufficient funds: Estimate your expenses for accommodation, food, shopping, and other activities, and load your card accordingly. Additionally, you must check the reload process initially to ensure you can add funds quickly if required.

• Use the card for payments: Many establishments in Georgia accept card payments. Use your Forex card for hotels, restaurants, and shopping to save on withdrawal fees. Ensure the transaction is processed in the local currency to avoid dynamic currency conversion fees.

• Track your expenses: Use the card’s mobile app or online portal to monitor your spending and balance. This helps in budgeting and ensures you don’t run out of funds mid-trip.

• Budget for hidden costs: Be aware of potential fees like balance inquiries or replacement card costs. Check your card’s terms to avoid surprises.

• Safeguard against theft or loss: Lastly, store your card details securely, and never share your PIN. If you misplaced your card, make sure to instantly freeze it and raise the issue with your Forex card provider. 

Conclusion

Choosing and using a Forex card wisely can significantly enhance your travel experience in Georgia. By understanding your financial needs, comparing card features, and following practical usage tips, you can enjoy hassle-free transactions and save money during your trip. Whether it’s the fee-free flexibility of the AtlysX Global Forex Card or the robust security of the HDFC Multicurrency Platinum ForexPlus Card, there’s a Forex card to suit every traveller’s preferences. 

Make sure to plan ahead, load your card wisely, and explore Georgia with confidence!

At Atlys, our mission is to simplify international travel for you. If you're a first-time traveller to Georgia, we highly recommend exploring our comprehensive 'Georgia Travel Guide' and our detailed blog on 'International Airports in Georgia'. These resources are designed to provide you with all the essential information for kickstarting your journey.