MakeMyTrip Forex Card Review: Fees, Exchange Rates, and More

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If you're a traveller heading overseas, you may have come across the MakeMyTrip Forex Card — a prepaid multi-currency Visa travel card designed to make spending abroad easier.

But is it worth getting? In this guide, we'll explain how the card works, its features, fees, exchange rates, and how it compares with the Wise Travel card to help you decide if it's the right choice for your trip.

What is a Make My Trip Forex Card?

The MakeMyTrip Forex Card is a prepaid multi-currency travel card that allows Indian travellers to load up to 14 foreign currencies before an international trip.¹ The card can then be used for purchases and ATM withdrawals overseas wherever Visa cards are accepted.

The card is powered by BookMyForex, a MakeMyTrip Group company, in partnership with YES BANK.² Depending on where you purchase or come across the card, you may also see it referred to as:

• MakeMyTrip Multi Currency Card
• MMT Forex Card

Is the MakeMyTrip Forex Card safe?

The MakeMyTrip Forex Card is generally safe because it is issued by BookMyForex Pvt. Ltd., a currency exchange provider authorised by the Reserve Bank of India (RBI), in partnership with YES Bank, an RBI-regulated bank.

The card also offers some security features, including chip-and-PIN protection, disposable virtual cards for online transactions, and the ability to freeze and unfreeze the card through the app.

MakeMyTrip Forex Card: Features and benefits

The table below outlines the key features of the MakeMyTrip Forex Card and compares them with the Wise Travel card to help you decide if it's the right fit for your trip.

MakeMyTrip Forex Card: Charges

Before you apply for the MakeMyTrip Forex Card, it's worth taking a quick look at the fees and charges that come with it. Understanding these up front can help you avoid unexpected costs while travelling.

MakeMyTrip Forex Card’s exchange rate

Although the card advertises "zero markup", interbank-linked exchange rates, this benefit generally applies only when loading the card, and only for selected currencies, selected cities, and orders of at least INR 1.5 lakh.

For all other transactions involving currency conversion, the exchange rate will likely include a spread, which effectively acts as a hidden fee.

According to the card's Terms and Conditions, here's how it works:

• If you spend in one of the 14 supported currencies but don't have enough balance in that currency, BookMyForex will convert funds from another currency wallet using a rate decided by BookMyForex.
• If you spend in a currency that isn't supported, Visa converts the transaction into a supported currency using the Visa exchange rate.

A 3.5% cross-currency conversion fee also applies when you use the card for transactions that require currency conversion.

The table below compares the initial cost of purchasing and loading 100 USD onto the MakeMyTrip Forex Card and Wise Travel card:

Figures are based on rates available on 13 June 2026

How to apply for and use the MakeMyTrip Forex Card

You can apply for a MakeMyTrip Forex Card online through the MakeMyTrip website. Here are the general steps:

1. Go to the MakeMyTrip Forex Card & Currency page
2. Choose 'Forex Card' as the purchase option
3. Enter your PIN code or delivery city
4. Select the currency and enter the amount you want to load
5. Click 'Buy Now'
6. Enter your travel destination and travel dates
7. Review the price breakdown and delivery details, then click 'Continue'
8. Follow the prompts and complete the payment
9. Upload the required documents, such as your passport, PAN card, and air ticket (if applicable), within 48 hours
10. Wait for the card to be delivered to your selected address

BookMyForex offers same-day or next-day delivery in select cities. However, delivery is not available in all locations, so be sure to check availability before placing your order.

Once you receive your card, you can use it just like any other Visa card for:

• Point-of-sale purchases: Insert, tap, or swipe the card, then enter your PIN if prompted
• Online purchases: Use the card details to make online transactions
• ATM withdrawals: Withdraw cash using your PIN

Summary: Is the MakeMyTrip Forex Card good for travelling?

The MakeMyTrip Forex Card can be a reasonable option for travellers visiting a country that uses one of its 14 supported currencies, provided they load that currency in advance and spend primarily in it.

However, the card offers no free ATM withdrawals, and for those visiting multiple countries or spending in currencies they don't hold, the service fees, exchange rate markups, and 3.5% cross-currency fee can quickly add up.

For travellers who want access to more currencies, lower conversion fees, and the real interbank exchange rate, an alternative like the Wise Travel card may offer better value.

Meet the Wise Travel card: Get interbank rate for every conversion, with no forex markups or hidden fees

With no hidden markups, the Wise Travel card is a smart way to spend abroad. You'll always get the real interbank exchange rate for conversions across 40+ currencies. Wise's transparent, low pricing, plus no foreign transaction fees or forex markups, usually means you are getting the best value for your money.

The fully digital account opening and vKYC process allows you to sign up from the comfort of your home, and there are no annual or monthly fees either. Simply order your card, show proof of your travels, and you're ready to add your funds. Load your account easily using UPI for fee-free top-ups directly inside the app, or opt for a standard bank transfer. Plus - card orders are currently free to Indian addresses (limited time launch offer, while stocks last)! A physical Wise card enables you to make secure chip and PIN payments and get some free ATM withdrawals while you're overseas. You can also instantly freeze or unfreeze your card in the app anytime for peace of mind.

Wherever your travels take you, the Wise Travel card is the only forex card you'll need to make spending internationally simpler and cheaper.

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