Borderless Prepaid Multicurrency Card for Seamless Spending Across 28 Currencies

What is a Borderless Prepaid Multicurrency Card?

A borderless prepaid multicurrency card is a prepaid travel card that lets you load several foreign currencies before an international trip and use them abroad for eligible payments or ATM withdrawals.

Thomas Cook’s Borderless Travel Card supports up to 28 currencies and works across more than 200 countries. Because exchange rates and travel needs can change, loading before departure gives you time to review each currency wallet, check current card terms and keep some cash ready for expenses at places that may not accept cards.

How Does the Borderless Prepaid Card Work?

The card works in five simple steps:

1. Choose the currencies needed for your trip.
2. Load the required amount before travelling.
3. Pay at eligible Visa or Mastercard merchants abroad.
4. Withdraw local currency from supported international ATMs.
5. Reload and track your balance through Thomas Cook’s digital channels.

A forex multi-currency card deducts spending from the relevant loaded currency wallet when that currency is available.

Who Should Consider a Multicurrency Forex Card?

A multi-currency forex card can suit leisure travellers, families, business travellers and people visiting several countries on one trip. It is useful for travellers who want a single prepaid card for different currencies and prefer to carry less cash.

It can also be practical when you pay for hotel, dining, shopping and local transport expenses in different currencies during the same journey.

Key Benefits of the Borderless Multicurrency Forex Card

Thomas Cook’s Borderless Travel Card combines multiple currencies with international card access, online reloads, transaction alerts and travel support. For travellers comparing multicurrency cards, it brings together several travel currencies on a single prepaid card.

The prepaid format also makes it easier to decide a travel budget before departure and monitor the amount available during the trip.

Load Up to 28 Currencies on One Card

Thomas Cook expanded its prepaid forex card portfolio to 28 currencies in April 2026. This makes the Thomas Cook multi-currency card useful for multi-country itineraries, particularly when travellers want to load supported local currencies for different stops instead of relying on repeated conversions.

Global Acceptance Across 200+ Countries

Thomas Cook Borderless Travel Card can be used in more than 200 countries, with access to over 35 million Mastercard merchants, 70 million Visa merchants and around 3 million ATMs.

Easy Reloads and Real-Time Transaction Tracking

If your balance runs low, the card can be reloaded through Thomas Cook’s forex website, mobile app or supported service channels, subject to applicable requirements. SMS and email updates help users of a multicurrency forex prepaid card monitor spending.

24x7 Assistance and Emergency Card Support

Thomas Cook provides 24x7 global assistance for Borderless Travel Card users. If a card is lost or stolen, customers can block it and request support for replacement in line with the applicable terms.

Travel Privileges and Rewards

The Borderless Travel Card may include travel privileges such as lounge access at international airports in India, selected airport services, an international eSIM, activity offers and TC Edge reward points on eligible spending. Check current eligibility and terms before relying on a benefit.

Currencies Available on the Borderless Card

Thomas Cook’s prepaid forex portfolio currently supports several currencies. These include USD, GBP, EUR, JPY, SGD, AUD, CAD, CHF, AED, THB, SAR and NZD, along with CNY, SEK, VND, MYR, IDR, DKK, HKD, QAR, NOK, OMR, KWD, BHD, BDT, ZAR, KRW, PHP, etc. 

Before loading a multi-currency card, check that the currencies needed for your itinerary are available.

Borderless Prepaid Card Fees and Charges

Using the Borderless Travel Card may involve different charges depending on how and where the card is used. While some card-related fees are currently waived, ATM usage, currency conversion, taxes or other applicable costs may still arise in certain situations.

The total cost can vary by country, ATM, transaction currency and type of usage. Check the latest fee schedule before using the card.

Issuance and Reload Charges

The issuance and reload charges are zero for the Borderless Travel Card. Other transaction-related charges or taxes may still apply, so check the payable amount and current card terms before completing a load or reload.

ATM Withdrawal Charges

The card can be used at supported international ATMs. Depending on the ATM network or operator, charges may apply. Review the ATM screen before confirming.

Currency Conversion Charges

When you spend in a loaded currency, funds are taken from that wallet. Conversion charges may arise when you transact in another currency. Choose the local currency where possible. Thomas Cook Dynamic Currency Conversion transactions are blocked on its prepaid forex cards.

TCS on Forex Card Transactions

Forex card loading is subject to India’s applicable foreign exchange and tax rules. Under the current tax framework, LRS remittances above ₹10 lakh in a financial year can attract TCS. 

The rate is 2% for education or medical treatment and 20% for other purposes, while qualifying education remittances funded through specified institutional loans are exempt. 

Check the current TCS treatment before loading or reloading, and obtain compliance sign-off before publishing these figures.

How to Apply for the Borderless Travel Multicurrency Card

Applying involves choosing the card and currencies, completing KYC, paying and selecting an available fulfilment option.

Select the Borderless Card and Currency

1. Visit the Thomas Cook forex website.
2. Choose the Borderless Travel Card.
3. Select the required currencies.
4. Enter the forex amount or equivalent INR value.

Complete Your Application and KYC

1. Enter your personal and travel details.
2. Provide a valid Indian passport and PAN.
3. Submit your flight ticket or visa, as applicable.
4. Provide funding or business travel documents where required.
5. Complete the applicable KYC or video KYC process.

Make Payment and Submit Your Order

Review the exchange rate, loaded amount, taxes and final payable value before making payment through an eligible method. Use official Thomas Cook channels and never share your PIN, CVV or OTP.

Choose Delivery or Branch Pickup

Choose the fulfilment option available for your location. Depending on service availability, you may be able to receive the card at your address or collect it from a Thomas Cook branch.

Is the Borderless Multicurrency Forex Card Safe?

The card includes several controls intended for international use. Thomas Cook lists chip and PIN protection, transaction alerts, instant card blocking, channel controls and spending limit management.

Chip and PIN Protection

The card uses an embedded chip and PIN for eligible transactions and ATM access. Keep the PIN private and separate from the card.

Instant Card Blocking and Replacement

If the card is lost or stolen, Thomas Cook allows customers to block or unblock it through supported digital channels. 24x7 assistance can also guide eligible customers on replacement.

Real-Time Transaction Alerts

SMS and email alerts help you track transactions soon after they occur. Report any transaction you do not recognise.

Spending Controls and Channel Management

Cardholders can enable or disable supported transaction channels and set spending limits.

Thomas Cook Borderless Travel Forex Card Now Available on Blinkit

Thomas Cook has partnered with Blinkit to offer its Borderless Travel Card through quick commerce in supported locations. Customers can order a blank card on Blinkit, receive it at their doorstep and then complete KYC, payment and loading through Thomas Cook’s secure process.

This can be useful for travellers who need a card close to their departure date, while the actual forex loading still follows Thomas Cook’s KYC and compliance process.

Thomas Cook says eligible customers can complete the process within an hour, subject to location and service availability.

How to Use the Borderless Card Abroad

The card can be used for eligible merchant payments and ATM withdrawals wherever its network is accepted.

Making Payments at Merchants and Hotels

At shops, restaurants and hotels, check the amount before approving the payment and, where possible, choose to pay in the local currency. Hotels may place temporary authorisation holds, so ensure you have sufficient funds.

Withdrawing Cash from International ATMs

Use an ATM displaying the network accepted by your card. Choose local currency and review any operator fee before confirming.

Reloading Your Card While Travelling

If funds run low, you can reload your forex card through Thomas Cook’s supported online channels, subject to KYC and regulatory requirements.

Managing Your Balance and Spending

Use the customer portal or app to view balances, transactions and available card controls.

What to Do If Your Card Is Lost or Stolen

Here are the steps to be followed:

1. Block the card immediately through an available Thomas Cook channel.
2. Contact Thomas Cook’s 24x7 card assistance.
3. Review recent transactions.
4. Ask about replacement or emergency cash support, where eligible.

What Happens to Unused Balance After Your Trip?

If money remains on the card after you return, Thomas Cook allows the eligible balance to be unloaded. You may also retain and reuse it during its validity, subject to applicable rules.

How to Unload Your Borderless Card

Below are the steps to unload your card:

1. Check the remaining card balance.
2. Contact Thomas Cook or follow the available unloading process.
3. Complete any required verification.
4. Confirm the amount to unload.
5. Keep the transaction record after settlement.

How the Remaining Balance Is Converted to INR

When eligible foreign currency is unloaded, the remaining amount is converted into Indian Rupees using the applicable rate for that transaction. This rate may differ from the rate used when you originally loaded the card.

Smart Tips to Use Your Multicurrency Card Wisely

Use a multicurrency forex card carefully:

● Load currencies that match your actual itinerary.

● Keep some local cash for small expenses.

● Check your balance before larger payments.

● Avoid unnecessary ATM withdrawals.

● Choose local currency at overseas terminals.

● Keep the PIN, CVV and login details private.

● Keep SMS and email transaction alerts active.

● Use spending limits and channel controls where useful.

● Save Thomas Cook support details separately.

● Reload before funds become too low.

 When comparing the best multicurrency forex card for your needs, consider currencies, fees, reload options, security controls, acceptance and support rather than relying on one feature alone.