Everything Indian Travellers Need to Know About Travel Insurance
Discover how travel insurance works in India. Learn about the different covers, trip cancellations, excess fees to stay safe on your next trip.
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Planning a trip abroad from India involves more than just packing; it requires navigating the administrative maze of Visa Application Centres (VAC). If your destination requires a visit to VFS Global, knowing the costs and timelines is critical to avoiding travel delays.
In this guide, we break down how much a VFS appointment fee is, the booking process, and what to expect during your visit. International trips also mean having to plan how you will spend your money abroad. 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.
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Before you pay, it's important to understand what a VFS appointment is. VFS Global is a private agency authorised by governments (like the UK, Canada, and Schengen states) to manage visa administrative tasks.
An appointment is your dedicated time slot to submit your physical application, provide supporting documents, and register your biometric data (fingerprints and a digital photo). VFS does not decide your visa outcome; they simply ensure your file is complete for the embassy.¹
The total cost you pay at the time of booking consists of the Visa Fee (consular fee) and the VFS Service Fee.
The mandatory VFS service fee in India typically ranges between ₹500 and ₹3,100 per applicant, depending on the destination country and current exchange rates.² For example, a Schengen visa service fee for Switzerland is currently ₹3,100.
VFS offers several "Value Added Services" that can increase your total budget:
| Service | Approximate Fee (INR) |
|---|---|
| Mandatory VFS Service Fee | ₹500 – ₹3,100 |
| Courier Return (Per Passport) | ₹500 – ₹900 |
| SMS Status Alerts | ₹135 – ₹500 |
| Premium Lounge Access | ₹2,500 – ₹5,000 |
| Prime Time Appointment | ₹3,900 |
The VFS service fee is generally non-refundable. If you cancel your appointment less than 48 hours before the slot, you will likely forfeit this payment.⁴
If you are looking for how to book a VFS appointment, follow these steps:
- Government Form: Complete your application on the official embassy portal (e.g., France-Visas or Videx for Germany).
- VFS Account: Register on the VFS Global India portal specific to your destination.
- Select VAC: Choose the nearest city (e.g., Delhi, Mumbai, Bengaluru).
- Online Payment: Pay the service fee using UPI, Debit, or Credit card to confirm your slot.²
Here’s how long your VFS appointment may typically take:
Knowing what happens in a VFS appointment can reduce anxiety on the day. The process follows a strict sequence:
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.
What should I do if no VFS slots are available?
Check the portal late at night (10 PM – 12 AM) when cancelled slots are often released back into the system. Avoid agents promising slots for extra cash; these are often scams.
Is the VFS fee different for children?
While children under 6 often have their visa fee waived by the embassy, the VFS service fee is usually still applicable for every person visiting the centre.⁶
Can I walk in without an appointment?
Usually, you need to book an appointment before visiting a VFS centre, but rules vary by destination. Some VFS India destination pages list a paid “Walk-In Without Appointment” service, so always check the official VFS page for your visa route before visiting.
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.
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