Suggest a forex card choice for multiple currencies.

[Niki]

What is the main distinction between HDFC's Regalia Forex Plus (USD-based, 0% forex markup) and their Multicurrency Forex Card, and why may the bank offer both, given your impending trip to the UAE and the requirement for 3000 AED equivalent?

[Siddarth]

Regalia Forex Plus is ideal for frequent travelers, as it has 0% cross-country markup in USD, which makes it more versatile, and you can spend in AED in the UAE with no need to pay an extra fee beyond the initial USD load rate. The multicurrency Forex card is best for travelers going, and it allows loading multiple currencies (including AED).

So for your UAE trip, I suggest using the Multicurrency card loaded directly with AED might be more straightforward, as you'd lock in the AED rate.