Personal Finance Tips

Orient Exchange Forex Card Review: Benefits, Charges, and Is It Good for Travel?

Yadana Chaw

08.12.25

Read time 4 minutes

When preparing for international travel, managing foreign currency securely and cost-effectively is a primary concern. Many travelers choose to use prepaid forex cards as a handy tool for overseas spending, with Orient Exchange being a popular option.

This review explains the Orient Exchange Forex Card's features, fees, and benefits across its single-currency and multi-currency variants. We'll also introduce you to the Wise Travel card, which allows you to hold 40+ currencies in on card and spend without any forex markups or hidden fees.

Table of contents
What is an Orient Exchange Forex Card? Orient Exchange Forex Card vs Wise Travel card: Features Charges How to apply and use the Orient Exchange Forex Card Summary: Is the Orient Exchange Forex Card good for travelling? Meet the Wise Travel card: 40+ currencies in one card, with no forex markups or hidden fees

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What is an Orient Exchange Forex Card?

The Orient Exchange Forex Card is a prepaid travel card designed specifically for international transactions, operating similarly to an international debit card. Its key distinction is that it must be pre-loaded with foreign currency before travel, and Orient Exchange markets the card as offering zero forex markup.

Orient Exchange offers two distinct variants: the Single Currency Forex Card and the Multi-Currency Forex Card, allowing travelers to choose the option best suited for their itinerary.¹

Is Orient Exchange Forex Card safe?

The RBI monitors all forex transactions conducted through Orient Exchange, ensuring compliance with FEMA regulations and guidelines. They partner with reputable banks, comply with regulatory standards, and use advanced encryption to ensure safety.⁴

Orient Exchange Forex Card: Features and benefits

Knowing your forex card enables you to use it to your advantage. Let’s discuss the Orient Exchange Forex card’s features and benefits, with a side-by-side comparison with the Wise Travel card.⁶

	Orient Exchange Forex Card	Wise Travel Card
Currencies supported for loading	Single-Currency Card: Only USD Multi-Currency Card: Up to 14 foreign currencies	40+ currencies
Exchange Rate	Interbank rate	Interbank rate
Loading methods	Online through the Orient Exchange website	Online through bank transfers via RTGS, NEFT, and IMPS
Other perks	Free insurance coverage is available to all cardholders	Nil

Orient Exchange Forex Card: Charges

The Orient Exchange Forex Card states that it does not charge any exchange margin or forex markup fees. It uses the interbank exchange rate, which could have a minor built-in forex markup fee. Let’s discuss the Orient Exchange Forex Card charges.⁷

	Orient Exchange Forex Card	Wise Travel Card
Loading fees	No fee	A transparent load fee applies for every card load
Foreign Transaction Fees	No fee	No fee
Fees for spending in a currency you don’t hold	Single-Currency Card: Zero Multi-Currency Card: Cross-currency charges may apply, especially when you use Dynamic Currency Conversion	Currency conversion fee will be displayed transparently
Card Fee	Nil	INR 460 + GST, waived until 10 Feb 2026 for Indian addresses
Monthly Fee	Nil	No fees
ATM Withdrawal Fee	In the range of 2 to 3 USD or equivalent An additional transaction fee may apply, depending on the ATM operator⁸	Unlimited free ATM withdrawals per month, up to a total of USD 200 (or equivalent) Above limit, $1.40 USD (or equivalent) + 3.25% of the withdrawn amount
Card Inactivity Fee	Charges are applied if card is not used for six months	No fee

Orient Exchange Forex Card’s exchange rate

The Orient Exchange Forex Card uses the interbank rate. Orient Exchange publishes the live exchange rates on its official website. This rate applies whenever you buy or reload your Orient Exchange Forex card.⁹

How to apply and use the Orient Exchange Forex Card

Orient Exchange offers you the facility to apply for the Orient Exchange Forex card online. Before we explore how to buy an Orient Exchange Forex card, let us understand the eligibility norms.

Eligibility Norms:

To be eligible for an Orient Exchange Forex card, you must be:¹¹

An Indian citizen over 12 years of age
Possess valid identity documents, such as a PAN card and a valid passport
Documents supporting your travel, such as a ticket or a visa

The Application Process:

You can apply for your Orient Exchange Forex card online on its official website.¹²

Visit the official website.
Select “Buy Card.”
Enter the order details, such as foreign currency and value.
Upload the necessary documents.
Choose your preferred delivery mode.
Complete the payment online.

Orient Exchange processes the application and dispatches the card to your registered address. It can take between 2 and 5 days to receive the card.

Card Usage:

You can use the Orient Exchange Forex card in many ways, such as:

Swipe the card to pay for your purchases at merchant establishments that accept Visa and MasterCard.
Use the card to make online payments on e-commerce retail sites.
Book your hotel reservations and air tickets online.
Use it to withdraw cash in foreign currency at ATMs abroad.

Summary: Is the Orient Exchange Forex Card good for travelling?

Wondering if the Orient Exchange Forex card is suited for you? We summarize its pros and cons below.

Pros	Cons
Global acceptance Multiple currency flexibility Competitive exchange rates Prepaid control and safety	Reloading and unloading fees ATM withdrawal charges Limited customer service reach Hidden fees

The Orient Exchange Forex Card is a reliable solution if your travels are limited to its supported currencies and you avoid frequent ATM use due to withdrawal charges. However, if you are traveling to countries with unsupported currencies (like VND, IDR, or PHP), the Wise Travel card is a better alternative. It supports 40+ currencies at the interbank rate and offers unlimited free ATM withdrawals, up to $200 USD equivalent monthly.

Meet the Wise Travel card: 40+ currencies in one card, 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, load your funds, and you're all set. Plus - card orders are currently free to Indian addresses (only until February 10, 2026)! 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.

🚀 Get a Wise Travel card

Sources:

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.