Hajj Umrah Card Fees and Charges

  • Card issuance Fee: ₹200 plus applicable GST per card
  • Reload Fee: ₹75 plus applicable GST per reload transaction currency-wise
  • Reissuance Fee: ₹100 per card

Transaction Charges:

Sr. No Currency ATM Cash Withdrawal Fee Balance Inquiry Fee ATM Cash Withdrawal Limit
1 Saudi Riyal (SAR) SAR 7.50 per transaction SAR 2.00 per transaction SAR 18,600


Exclusive of applicable taxes.*

Cross currency charges

  • For transactions where the transaction currency is different than the currency available on Hajj Umrah Forex card bank will charge cross currency markup of 3% on such transactions.
  • Exchange rate used will be the VISA/MasterCard wholesale exchange rate prevailing at the time of the transaction.
  • Exchange rate used will be the Mid-rate prevailing at the time of the transaction.
  • The customer will be charged for availing GCAS facility of Visa as per the prevailing charges

Currency conversion charges:

Buy and sell forex currency GST Currency Conversion Rates
Up to INR 1,00,000/- 0.18% of the gross value or INR 45/- whichever is higher
Greater than INR 1,00,000/- & up to INR 10,00,000/- INR 180 plus 0.09% of the amount exceeding INR 1,00,000/-
Above INR 10,00,000/- INR 990 plus 0.018% of the amount exceeding INR 10,00,000/-, subject to a maximum of INR 10800/-


*GST will be applicable on Currency Conversion & other fees as per prevailing rate

Tax Collected at Source (TCS):

  • Tax Collected at Source (TCS) is applicable under the provision of the Financial Act, 2020. To know more, click here.

Limit of Amount that can be loaded on Forex Cards as per Liberated Remittance Scheme:

  • Maximum USD $250,000 in a financial year

*Note: Liberalised Remittance Scheme (LRS), is a facility where all resident individuals (as defined under FEMA 1999), including minors, are allowed to freely remit up to USD 250,000 per financial year (April – March) for any permissible current or capital account transaction or a combination of both.

  • Click here for the most important Terms & Conditions
  • Click here to learn more about the HDFC Bank Hajj Umrah Card

Disclaimer: Terms and conditions apply. Forex Card approvals are at the sole discretion of HDFC Bank Limited and are subject to documentation and verification as per the Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.

Frequently Asked Questions

The HDFC Bank Hajj Umrah Card has an issuance fee of ₹200 plus applicable GST per card.

The HDFC Bank Hajj Umrah Card has a reload fee of ₹75 plus applicable GST per reload transaction.

The re-issuance fee for the HDFC Bank Hajj Umrah Card is ₹100 per card.

The HDFC Bank Hajj Umrah Card charges SAR 7.50 for ATM cash withdrawals and SAR 2.00 for balance enquiries when dealing in Saudi Riyal.

The HDFC Bank Hajj Umrah Card has a daily ATM cash withdrawal limit of SAR 18,600. This limit ensures that pilgrims have sufficient access to funds during their pilgrimage.

The HDFC Bank Hajj Umrah Card charges a 3% cross-currency markup fee for transactions where the transaction currency differs from the currency available on the card.

The HDFC Bank Hajj Umrah Card charges a currency conversion tax on load, reload, and refund transactions. The tax is 0.18% of the gross value or ₹45 (whichever is higher) for amounts up to ₹1 lakh, ₹180 plus 0.09% for amounts exceeding ₹1 lakh, and ₹990 plus 0.018% for amounts exceeding ₹10 lakh (capped at ₹10,800).

The HDFC Bank Hajj Umrah Card allows a maximum load and reload limit of USD 250,000 or equivalent in any other currency per financial year, as per the Liberalised Remittance Scheme (LRS) guidelines.

TCS applies under the Financial Act 2020 provision. To know more, click here.