By purchasing the EBIXCASH World Money Multicurrency Globetrotter Travel Card you confirm that you, the cardholder, are age
eighteen (18) years or over (or where the cardholder is over twelve (12) but less than eighteen (18) years old, the application form and
acknowledgment has also been duly signed on the cardholder’s behalf by their parent or legal guardian) and you agree that you
understand, accept & shall comply with these Terms and Conditions and the table of fees and limits mentioned herewith. This is a
copy of the Agreement for you to keep.
In these Terms and Conditions, the following words have the meanings set out hereunder, unless the context indicates otherwise:
- “Activate and Activation” refers to the activation of the Primary Card/ Secondary Card to enable you to use the Card .
“Secondary Card*” is an additional card that is provided to you in the same card kit, to use as a backup, in case the primary card is
lost or misplaced.
“EBIXCASH Branch”: Any Branch of EBIXCASH, or store of an Agent of EBIXCASH from which you
have purchased the card within India designated for the issuance, reload and encashment of this
“ATM” means an Automated Teller Machine on a shared network, at which, amongst other things,
the cardholder can use their Card to withdraw cash.
- “GTC” means Globetrotter Travel card.
“Card” means the EBIXCASH GTC, with ATM and merchant access and functionality, as set out in
the Agreement, including any Secondary card or Replacement kit, issued to you.
“Customer Care” means any services, including call center services, provided by us or our third
party service provider in connection with the Card.
“Card balance” means the aggregate** sum of all Currency records maintained by us (or by
service providers on our behalf) of the funds loaded onto your Card in each Currency and available
“Currency” means, any one (1) or more of USD, GBP and EUR and any additional currency that
EBIXCASH may make available in connection with the Card from time to time.
“EUR” means the lawful currency of the Euro zone; “USD” means the lawful currency of the United
States of America; “GBP” means the lawful currency of Great Britain.
“Inactivity” means any period of non-use of the Card for withdrawals at ATMs, purchase
transactions at merchant locations or purchase transactions on Internet.
“Merchant or Merchant Establishments” shall mean establishments, wherever located, which
accept ⁄ honor the Card as a means of payment.
“Cardholder Portal” means the portal which will be available to you for accessing the balance(s) on
your card into each wallet(s), transaction statement, resetting the pin, making intra wallet fund
transfer and setting currency wallet priorities as per your preference.
- “PIN” means a unique Personal Identification Number, associated with each Card.
“POS” means Point of Sale electronic data capture terminals at Merchant Establishments, capable
of processing transactions and at which the cardholder can use the Card to make payment for
“Transactions” shall mean cash withdrawals from the ATMs and/ or purchases made at the
Merchant Establishments and/ or purchase transactions on Internet through the use of the Card.
“Replacement Card” means any Card provided to you, in accordance with this Agreement, to replace
a lost, stolen or damaged Card.
“Security Details” means some of the information given by you when applying for the card or any
changes made to this information by you subsequently by contacting EBIXCASH.
“Shared Network” shall mean ATMs which are not owned by EBIXCASH but which accept cards
issued by EBIXCASH.
“Shortfall” occurs in certain circumstances when the Card Balance drops below zero (0) and your
Card Balance is overdrawn.
“Schedule of Charges and Limits” means the table of fees and limits set out herewith, and any
fees or limits updated in accordance with this Agreement which can be referred on the website.
“We”, “us”, “our” means EBIXCASH World Money Ltd., hereinafter referred to as EBIXCASH, a
company incorporated under the governing laws of the Republic of India and registered
under the Companies Act 1956/ 2013 and carrying on Foreign Exchange business in terms of the
“Authorized Dealer Category II” license issued by The Reserve Bank of India (“RBI”) and having its
registered office at Manek Plaza, 8th Floor, Kalina, CST Road, Kolekalyan, Santacruz (East),
Mumbai 400 098.
“Wallet or Currency Wallet” is a store of value within your card, the value of which is equivalent to
the available card balance in the denominated currency of such wallet.
- “You”, “your” means the Cardholder i.e. purchaser of the Card.
Any references to ‘Card’ also include any Secondary Card or Replacement Card, where
*Applicable only for dual card kit.
** Aggregate means “forex amount loaded and reloaded less any amount spent or refunded and any
applicable fees, charges, conversion fees & other expenses incurred in connection with use or
possession of the card”.
ISSUANCE OF CARD
The Card may be purchased and held by residents of India only. An individual or corporate
business can purchase the EBIXCASH GTC (for use by itself, its authorized employees or
representatives of the corporate business), subject to compliance by the Card applicant of the
provisions of applicable Laws (including the Foreign Exchange Management Act, 1999), rules,
regulations and directions as issued by RBI or other appropriate authorities under any law in force
from time to time
The applicant of the Card is required to complete and submit a duly signed application form as
required by EBIXCASH at the time of purchase/ initial load and/ or subsequent reloads and further to
submit all such documents as may be necessary or required.
- Upon issuance of the Card, the cardholder shall sign on the reverse of the Card.
The Card can be loaded in any available currency and such list of available currencies may vary
from time to time. If we introduce a new Currency, you will be deemed to have acknowledged
and agreed that, unless otherwise notified to you, these Terms & Conditions applies to such new
You are responsible for determining the amount held in each Currency and for ensuring you have
sufficient funds for all transaction.
A Secondary* card will be provided in the welcome kit. In the event of the Primary card being lost/
stolen/ damaged, you will have the option of activating the Secondary card for immediate use. For
activating Secondary card please contact EBIXCASH Customer Care on 1800120256666 or email
There is no interest payable to you on the balance and the Card Balance does not amount to a
deposit with us.
The issue and use of the Card, in addition to the present Terms & Conditions, shall be subject
to rules and regulations laid down by RBI, FEMA, EBIXCASH and VISA from time to time.
Card load or reloads will only be credited to the Card Balance, only on receipt of funds &
satisfactory compliance requirements in accordance to rules and regulations laid down by
regulatory authorities and EBIXCASH, from you.
*Applicable only for dual card kit.
USAGE OF CARD
The turnaround time for Card activation and funding is up to 24-48 hours (subject to point 9
mentioned above under Issuance of Card). Due to FEMA regulations, the Card cannot be used at
ATMs or merchants in India, Nepal, Bhutan, and Countries under UN sanctions like North Korea,
Cuba, Sudan, Iran etc. or for internet purchases where the website is registered in India, Nepal,
Bhutan or at website accepting payment in Indian Rupees or the currencies of Nepal, Bhutan,
and countries under UN sanctions like North Korea, Cuba, Sudan, Iran etc. In case there is a
change in entitlements as notified by the Reserve Bank of India to the general public, the changed
entitlements would be applicable.
The Card can be used worldwide wherever VISA cards are accepted or you see the
VISA Acceptance mark at ATMs and merchants, including shops, restaurants and
online, provided there are sufficient funds available on the Card for the transaction, including any
applicable fees, subject to any restrictions in the Agreement. Notwithstanding the above, the card
may not operate in some locations, where VISA acceptance mark is displayed, including
some countries, due to restrictions and/ or sanctions. In addition, please note that the Card is for
use in electronic terminals or ATMs and will not work in manual or offline terminals.
The applicable currency balance (and therefore the total Card Balance) will be debited with the
amount of each cash withdrawal or transaction and any fee, and these debits will reduce the
balance of the applicable currency wallet (and therefore the total Card Balance). Each transaction
will require authorization or validation before completion and we cannot stop a transaction once
If there are insufficient funds in a particular currency wallet to pay for a transaction, the
system will look for the full transaction value in the subsequent other currency wallets held on
the Card after which the transaction will be automatically processed. If there are insufficient funds
in any of the currency wallet to pay for a transaction in full,then the card will be declined.
The Card is only for your use till the date of expiry printed on the card. Upon expiry you will not
be able to use the Card. Please contact Customer Care or your nearest EBIXCASH branch for a
renewal Card. Upon expiry, you will still be able to obtain a refund of the balance in accordance
with the Agreement, or you may choose to transfer the balance funds to a new Card. You may be
charged for this service.
You agree not to use the Card for money transfers, accessing or purchasing goods from adult or
gambling locations or internet sites, or for any unlawful activity and hereby indemnify
EBIXCASH against any loss or damage caused by unauthorized usage of the Card, including any
penal action arising there off, on account of any violation of RBI guidelines or rules, framed under
the Foreign Exchange Management Act (1999), any laws being in force in India or the country
of use, notwithstanding the termination of the Agreement. You must comply with all laws and
regulations (including any foreign exchange controls) in respect of the Card in the country of
purchase and/ or cash withdrawal.
It is not recommended to use the Card as:
A guarantee of payment. For example as a deposit for hotels (pre Authorization), or car
rental or cruise lines, as merchants such as these may estimate the final bill and this amount
will be temporarily unavailable to access or spend.
As an arrangement for periodic billing, as any debits to the Card as a result of such
If the Card is lost or stolen while you are travelling, you may contact Customer Care to
block the card or request a new Card (“Replacement Card”), subject to an
applicable fee. If you are in INDIA and require a Replacement Card because your Card has been
lost or stolen, you need to visit your nearest EBIXCASH Branch. Our Branch can also provide a
replacement Card in the event your Card is due to expire. You must make this request to our
Branch on or before the expiry of the Card and the balance of the Card will be transferred to the
- An inactivity fee will be charged in case the card is not active, as per the schedule of charges.
The Card can only be used if it is in Credit. If a Shortfall arises, following any transaction
authorized by you, the resulting debit balance immediately becomes a debt, payable by
you to us and we retain the right to recover this debt by deducting funds held in another
Currency on the card. When we convert the Shortfall into the relevant currency, the
exchange rate used will be the rate determined by us on the given day we process the
transaction. If notwithstanding any such deduction, a Shortfall remains, the resulting debit balance
immediately becomes a debt payable by you to us and you agree to reload the Card to bring
the balance back to zero (0) or above, within thirty (30) days of the request. A Shortfall fee
may also be payable if a particular Currency and/ or the Card Balance drops below zero (0)
(see Schedule of charges). If the Card Balance drops below zero (0), you must not make any
Purchases abroad, which may be considered investments or imports (which as such, are subject
to specific regulations), are not permitted.
Any usage of the Card which is inconsistent or in contravention with the usage described in the
Agreement is not permitted.
If you are entitled to a refund for goods or services purchased using the Card, or similar other
credit for any other reason, this will be made to the Card, in the applicable Currency wallet as and
when it is received from the merchant. EBIXCASH accepts no responsibility and or liability for any
delay caused in this regard, for any reason whatsoever.
If your Card can be reloaded during the period of the Card validity, within the limits prescribed by
Foreign Exchange Management Act (1999), reloads will also be subject to any restrictions imposed
by legal or regulatory requirements in place from time to time. Where your Card has been issued
to you at the request of your employer for business-related travel, you agree that the authorized
employer nominated on the application form can reload additional funds at any time, within the
above restrictions or encash the balance available in the card.
KEEPING YOUR CARD & PIN SECURED
- You must sign at the back of the Card as soon as you receive it.
You must do all that you reasonably can to keep the Card safe and the PIN and other Security
Details secret and safe from misappropriation by any third party at all times. EBIXCASH will have
no liability to you for any losses that you may suffer as a result of your Card getting misused.
- We will never contact and ask you to reveal any Card credentials like CVV, PIN and Expiry date*.
- You must never allow anyone else to use the Card, PIN or other security information.
- You must never write down the PIN or any other security information together with the Card.
The PIN may be disabled if an incorrect PIN is entered three times. If the PIN is disabled,
cardholder need to reset the PIN by login into customer portal or call customer care for the
same. However, PIN can also be auto reset after 24 hours until then the cardholder will not be
able to use the PIN for any transaction on ATM or any POS terminals.
You must call Customer Care immediately, & without undue delay, if you lose the Card and/ or
believe it could be misused or you suspect that someone else may know the PIN or any other
Security details. We will suspend the Card to prevent further use. If a lost Card is subsequently
found, it must not be used.
You will be required to confirm details of any loss, theft or misuse to Customer Care in writing and
you must assist us and the police in any enquiries.
We may suspend the Card, with or without notice, if we think the Card has been or is likely to be
misused, if you have breached the Agreement or if we suspect any illegal use of the Card. If we
do suspend the Card, we will inform you of our decision, unless such disclosure is prohibited by
law or would otherwise compromise fraud prevention or security measures.
You must memorize the PIN. For security purposes, you should not keep the PIN written anywhere
near the Card. If you forget the PIN, contact our Customer Call Centre.
* Expiry date can be asked by customer care of EBIXCASH only to verify the cardholder at the time of
the call, when the cardholder contacts the customer care for any assistance.
CARD FEES & LIMITS
You agree to pay and authorize us to debit the Card Balance for the fees set out in the Schedule of
Charges. These fees may be debited from the Card Balance as soon as they are incurred. All fees
will be debited in the respective Currency, unless specified in Schedule of Charges, wherein the
default wallet will be debited for fees, like Inactivity fees. If there are insufficient funds within this
Currency to pay such fees, or the Local Currency is not a Currency available on the Card, then we
will automatically deduct funds from USD or other Currencies as applicable. Any such deduction
of the fund may be subject to a fee (refer to the Schedule of Charges).
Fees are applicable to the Card, as indicated in the Schedule of Charges. These fees which are
charged are subject to change from time to time. You may be notified of any change in the
applicable fees directly and/ or you may visit www.ebixcard.com. For business travelers,
purchasing a Card within a corporate program, standard fees apply as per the Schedule of
Charges, unless a Corporate is offered a special fee.
From time to time, we may limit the amount you can load on the Card or the amount you can
withdraw from ATMs or spend at merchants over certain time periods. Some merchants and ATM
operators also impose their own limits on the amount that can be spent or withdrawn over a
specific time period.
Certain ATM operators or merchants may charge an additional transaction fee if the Card is used
to make a withdrawal or to purchase goods and/ or services. The fee is determined and charged
by the ATM operator or merchant and is not retained by us.
These limitations will vary for every ATM, Shared Networks and/ or Merchant Establishments. We
shall not be responsible for either ascertaining, nor notifying the Cardholder as to such limits/
restrictions and shall not be liable for any loss suffered by the Cardholder due to these
restrictions, limitations or to a lack of uniformity between transactions requested at ATMs, Shared
Networks and/ or Merchant Establishments.
LIABILITY FOR UNAUTHORIZED TRANSACTIONS
We bear no liability for any unauthorized use of the Card. It is your responsibility to ensure that
knowledge of the PIN is not disclosed to anyone else and to maintain the sole custody of the PIN
and the Card at all times.
EBIXCASH records of transactions processed by the use of the Card shall be conclusive and
binding for all purposes.
If you notice an error in any Card transaction or a Card transaction that you do not recognize,
you must notify Customer Care immediately and in any event within thirty days of the transaction
debit date. We will request that you provide additional written information concerning any such
Card transaction and you must comply with such request. We recommend that you check your
transaction history and balance at frequent intervals.
You will be liable for all losses in respect of the Card if you have
- Acted fraudulently
- Failed to use the Card in accordance with the Agreement
Failed to notify Customer Care without undue delay on becoming aware of the loss, theft or
misuse of the Card, and in any event within thirty days of the transaction.
- Failed to take all reasonable steps to keep the Card’s security features safe.
We are not liable for any fraudulent or unauthorized use of your Card. If you ask us to
investigate a transaction and our investigations conclude that the transaction you have disputed
has been authorized by you or on your behalf, or you have acted fraudulently, we may charge you an
investigation administration fee for these investigations.
CARD BALANCE/ RELOAD
If an ATM displays Card Balance, then this may be displayed in USD or in a different currency, in
which case the exchange rate applied may be different to ours and discrepancies can arise. An
ATM will not display a balance for each Currency. An accurate balance for each Currency can be
obtained through Customer Care or by logging in to the customer portal.
Reloading of the Card: Until the expiry of the Card, you can reload/ add funds to each Currency
through the Branch or through other methods made available from time to time by us, subject
to the compliance of all applicable laws, rules and regulations, directions in force from time to
time upon submission of prescribed forms and information/ documents as required. Branch will
advise you of the acceptable methods of payment and required documents/ information. Amount
of funds loaded on the Card shall be in strict accordance to the limits specified by the applicable
laws, rules and regulations in force from time to time.
We reserve the right to
- Limit the amount of value that can be reloaded on Card.
- Limit the number of times the value can be reloaded onto the Card Balance.
- Decline a reload transaction, at our sole discretion.
You may also be able to make balance enquiry at some ATMs, although availability is dependent
on the country and the ATM used. Balance Enquiry at ATM could attract fees, as applicable fees
for each currency, which can be referred from Schedule of Charges.
Information sent over the internet may not be completely secure and the internet and the online
systems are not controlled or owned by us, or our third party service providers. Therefore, neither
we, nor our third party service providers, can guarantee that they will function at all times and we,
and our third party service providers, accept no liability for unavailability or interruption, or loss
of Personal Information or any other data.
EBIXCASH will block up to USD 10 equivalent on the card to prevent the card balance going into
negative balance due to tip adjustment by the merchant at a later date. The blocked amount
can be refunded in INR at the Branch after completion of your foreign travel subject to the last
transaction date should be with gap of 10 days or more. EBIXCASH reserves the right to change
the value of blocked amount from time to time as per its internal policies.
If the Cardholder has received funds in excess of the card funds, the Cardholder agrees to
promptly repay EBIXCASH any such funds upon such terms and conditions as EBIXCASH
may specify. If EBIXCASH has grounds to believe that the Cardholder has received funds in
excess of the card funds requested by the Cardholder, due to any reason whatsoever
(including the malfunction of an ATM, POS or other equipment or EBIXCASH/ service provider system),
EBIXCASH will notify the same to the Cardholder and will deduct the excess funds received by the
Cardholder from the card funds upon such terms and conditions as EBIXCASH may specify.
EBIXCASH reserves the right to require the Cardholder, upon notification, to immediately make
payment of such excess funds upon such terms and conditions as we specify.
FOREIGN CURRENCY TRANSACTIONS/ CONVERSION RATE
You can ask the Branch for the exchange rate before making a load or a reload transaction.
Foreign exchange rates are subject to variation and the rate that applies one day will not
necessarily be the same on any other day.
There are five (5) instances where foreign exchange rate will apply:
- Initial load (s) or reload (s), where funds are loaded in foreign currency
- Where you refund the available balance of the Card.
POS transactions, where the transaction is in a currency that is not one of the Currencies
available on the Card
- ATM withdrawals where the Local Currency is not one of the Currencies available on the Card.
- Where funds are allocated from one Currency to a different Currency.
If an ATM withdrawal, a POS transaction or an online transaction is made in a currency which is
different to any of the available Currencies on the Card, or exceeds the relevant available
Currency balance on the Card, the amount will be funded by converting the transaction amount
into the next available Currency balance on the Card in the order set by you at the time of card
issuance or subsequently set by you through cardholder portal. The foreign exchange rate used is
the rate determined by VISA to be the wholesale rate or the government mandated rate in
effect on the day the Transaction is processed by VISA, plus the Currency Conversion Fee.
If you close the card or request encashment of the Card Balance, these funds will be converted
into Local Currency (Indian Rupee). The foreign exchange rate used for this is set and determined
by the EBIXCASH Branch and varies each day. You can also contact the EBIXCASH for more
information on the applicable exchange rate.
ENCASHMENT OF UNSPENT FUNDS
You may cashout the unspent Card Balance, only after a minimum gap of 10 days from date of last
transaction done on your card to ensure all presentments are effected, at an EBIXCASH Branch by
submitting Card Refund Form along with a copy of passport and such other documents as required by
us from time to time. If still any presentment is done by the merchant after 10 days you will be liable
to pay the same on demand by EBIXCASH onto the Card. Payment will be in Indian Rupees and the
exchange rate will be determined by the EBIXCASH Branch. A fee may be charged by the EBIXCASH
Branch for this service. Please check with the EBIXCASH Branch.
In case if your Card has been issued at the request of your employer for business-related travel,
you agree that the authorized employee of the Company can encash any unspent funds subject to
conditions mentioned above regarding late presentment, the company will be liable to pay the same on
demand by EBIXCASH onto the card.
TERMINATION/ CANCELLATION OF CARD
EBIXCASH reserves the right to cancel/ withdraw the card or any of the other services offered at
any time without prior notice and without assigning any reason whatsoever.
In the event where you decide to surrender the EBIXCASH GTC, the Card would automatically
stand cancelled upon such surrender. You must immediately cease to use the card and destroy
and return all Secondary cards (if any) that are linked to the Card Balance. In case of any
outstanding Card transaction that have not yet been debited to the account, the same will be
netted off from the balance prior to EBIXCASH refunding the balance amount.
The cardholder will be responsible for all the charges/ debits incurred on the card whether or
not the same are a result of misuse/ fraudulent use and whether or not the EBIXCASH has been
intimated of the destruction of the card.
The card is the absolute property of EBIXCASH and must be returned to an Officer of EBIXCASH
immediately & unconditionally upon request. Please ensure that the identity of the EBIXCASH is
established by you before handing over your card.
EBIXCASH shall be entitled to terminate the Card facility with immediate effect and the Card shall
be returned upon the occurrence of any of the following:
- Death of the Cardholder.
- Failure to comply with the Terms and Conditions herein set forth.
- An event of default under an agreement of commitment entered into with EBIXCASH.
The Cardholder becoming the subject of any EBIXCASH bankruptcy, insolvency proceedings
or proceedings of a similar nature.
The EBIXCASH reserves the right to withdraw EBIXCASH GTC program for any reason
The card should be returned to EBIXCASH prior to the date upon which any changes are to take
effect, in case of the Cardholders rejection of any of the proposed changes to the features, change
of terms and conditions applicable to the Card.
CHANGING THE TERMS & CONDITIONS
EBIXCASH reserves the right to interpret, change, amend and delete at any time, these terms
and conditions, features and benefits offered on the Card, including, not limited to, charges which
affect existing balances, charges or rates or/ and methods of calculation. The latest version of the
terms and conditions shall be available on www.ebixcard.com.
You must let our Branch know immediately if you change your name, address, phone number or
We may contact you by telephone, letter, SMS or email or by other means using the contact details
provided to us by you.
By purchasing the Card and using it, you consent to us and our service providers processing the
information we collect from you (”Personal Information”), when we provide you with the Customer
Care, under the Agreement.
Your Personal Information may be disclosed by us and/ or our service provider to third parties
to enable us to provide the Card Services and for data analysis (including market research),
anti-money laundering, and detection of crime, legal compliance, and enforcement and fraud
prevention purposes/ CIBIL.
Your Personal information may be processed outside of the country of purchase, but all service
providers are required to have adequate safeguards in place to protect your Personal information.
You agree that we may contact you about other products and services provided by us. If you no
longer wish to receive this information, please contact Customer Care.
To aid us in the provision of the Customer Care and improve our service, telephone calls may be
recorded and/ or monitored.
In no event will we be liable for consequential or indirect damages (including lost profits),
extraordinary damages, or special or punitive damages.
We will not be liable to you in respect of any losses you or any third party may suffer in connection
with the Card, arising directly or indirectly out of any misstatement, misrepresentation, error or
omission in any details disclosed by us and/ or our suppliers.
We are not responsible for:
- Ensuring that ATMs and POS terminals will accept the Card.
Any loss or inconvenience caused by local regulations or because of the lack of uniformity
in local regulations or facilities available at ATMs and POS terminals and/ or fees or charges
levied directly by any ATM and/ or POS terminal operators.
Any merchant error in processing a transaction, we will not be liable to you for any
non-acceptance of the Card, for disputes, including but not limited to, the quality of goods
or services purchased on the Card or any additional fees charged by the operators of ATM
and/ or POS terminals.
Except as otherwise set out in the Agreement, any liability we have to you is equal to the balance
on the Card at any given time.
You agree to pay us for any losses, damages, claims or expenses (including reasonable attorney
fees) we incur due to your failure to comply with the Agreement.
Your card is insured for a maximum amount of INR 3.50 lakhs subject to conditions of the insurance
provider. The maximum insured value or the insurance provider may change without any prior
intimation to the cardholder. You may visit www.ebixcard.com for latest information on Insurance
coverage. ATM withdrawal in case of lost/ stolen cards is not covered under the policy.
EBIXCASH is providing the Insurance cover as an additional feature to the cardholder and under
no circumstances EBIXCASH is liable for any rejection of such claim(s) by the Insurance provider.
COMPLIANCE WITH APPLICABLE LAWS, RULES AND REGULATIONS
Possession and utilization of the Card by the Cardholder is required to be in accordance with the
applicable laws (including the Foreign Exchange Management Act of India), rules, regulations and
directions issued by the Reserve Bank of India or other appropriate authority under any law in
force from time to time.
The Card may be used outside India, subject to applicable laws, rules and regulations in force
from time to time in India and subject to such restrictions/ limitations under the applicable laws,
rules and regulations from time to time in the country where the Card is used.
The Cardholder shall be solely responsible to the concerned authorities in the event of any violation
of the applicable law, rules and regulations in force from time to time. We will not be liable for any
direct, indirect or consequential loss or damages arising from or related to the non-compliance by the
Cardholder with the applicable laws, rules and regulations in force from time to time.
The Cardholder hereby indemnifies and agrees to hold EBIXCASH indemnified against all actions,
claims and costs, charges and expenses arising out of or as a consequence of the Cardholder not
complying with the applicable laws, rules and regulations in force from time to time.
In case the Card is cancelled (or its use suspended), whether on account of non-compliance with
the applicable laws, rules and regulations in force from time to time or otherwise, EBIXCASH
will not be held responsible for any use/ attempted use of the Card, resulting in the Card being
dishonored or otherwise. The risk of honoring a Card that is cancelled and/ or suspended on its
presentment is of such person and/ or of the Cardholder in the individual capacity.
LAW, JURISDICTION AND LANGUAGE
The Agreement and any disputes, which arise under it, shall be governed by Indian law and
subject to the exclusive jurisdiction of the courts of Mumbai.
- We will communicate with you in English and the Agreement is available in English only.
The laws of India govern these terms and conditions as also the use of the Card by the
Cardholder subject, however to the Cardholder being subject to applicable laws, rules and
regulations of India or such other country occasioned by use of the Card outside India. The
Parties hereby agree that any claim, legal action and proceeding arising out of these terms and
conditions for the Card instituted by the Cardholder (and/ or any persons claiming through or
under the Cardholder) shall be brought in the courts or tribunals at Mumbai in India and the
Parties shall irrevocably submit themselves to the jurisdiction of such courts and tribunals.
Each of the provisions of these terms and conditions is severable and distinct from the others
and if at any time, one or more of such provisions is or become illegal or unenforceable in any
respect under the laws of any jurisdiction, the legality, validity or enforceability of the remaining
provisions shall not be affected in any way.
No act, delay or omission by us shall affect its rights, powers and remedies under the Terms or
other further exercise of such rights, powers or remedies. The rights and remedies under these
Terms are cumulative and not exclusive of other rights and remedies provided by law.
ASSIGNMENT OF RIGHTS
You acknowledge that EBIXCASH may assign, transfer or convey any or all its rights and obligations
in respect of the EBIXCASH GTC to any third party as it may deem fit in its sole discretion without
obtaining concurrence of the Cardholder.
Any charge slip or other payment requisition signed by the cardholder and received from a
Merchant Establishment for payment shall be conclusive proof that the amount recorded on
such charge slip or other requisition was properly incurred by the Cardholder by the use of
Card except for such charge slips or payment requisitions which have been signed on a date
subsequent to Cardholder’s notification to EBIXCASH as to an unauthorized transactions having
being effected through use of the Card and/ or the PIN having been otherwise misused, lost, or
stolen and EBIXCASH having successfully blocked such card and/ or PIN.
Should the Cardholder choose to disagree with the charge/ amount indicated in his or her
transaction history pertaining to the card, the same should be communicated to EBIXCASH as
soon as possible but no later than 30 (thirty) days from the date of transaction, failing which
it would be construed that all charges/ amount are entirely in order and acceptable to the
Cardholder. In any other case, if the cardholder believes that any amount has been erroneously
debited to any of his/ her wallets in the card, the cardholder should forthwith notify the same to
EBIXCASH. On receipt of such information, EBIXCASH, basis its internal policies,
may choose to initiate an investigation to resolve the disparity as claimed by the Cardholder. If
on completion of investigation, EBIXCASH is satisfied that the charge was correctly debited to
the card, EBIXCASH will communicate the same to the cardholder and may debit fee and/ or
additional charges pertaining to the investigation.
Disputes, as raised by the cardholder, may be rejected by VISA and/ or the Acquiring Bank
basis their existing dispute and chargeback rules and/ or for non-provision of sufficient
documents/ information/ proof etc. regarding such disputed transactions. EBIXCASH will not be
liable/ responsible for any rejection of disputes by VISA and/ or Acquiring bank.
CARDHOLDER’S INDEMNIFICATION OBLIGATION
In consideration of EBIXCASH providing you with the card and related facilities, you hereby agree
to indemnify and keep EBIXCASH indemnified from and against all actions, claims, demands,
proceedings, losses, damages, personal injury, costs (including legal costs), charges and
expenses whatsoever which EBIXCASH may at any time incur, sustain, suffer or be put to as a
consequence of or by reason of or arising out of: (i) providing you the said facility of the card (ii)
your negligence, mistake or misconduct (directly or indirectly). (iii) breach or non-compliance of
these terms and conditions (iv) fraud or dishonesty relating to any transaction done by you (v)
and ATM/ POS machine error or failure or other mechanical/ system error/ failure (vi) collection of
all money due and payable (including applicable costs, charges and fees) by you.
Additionally, you also agree to indemnify and agree to hold EBIXCASH indemnified against all
actions, claims, costs, expenses and charges arising out of or as a consequence of you not
complying with applicable laws, rules and regulations in force from time to time.
Any notice sent by either party under the Agreement by email shall be deemed given on the day
the email is sent, unless the sending party receives an electronic indication that the email was
If you have any queries/ concerns regarding the Card, you can call our Customer Care
number on 1800120256666 or email us at email@example.com or visit
You will receive a detailed response within 21 business days from the date of the complaint
If you are not satisfied with the resolution provided through the channels listed above, you can
escalate the grievance to the next level as per below details or as per the escalation matrix
available on www.ebixcard.com
MULTICURRENCY PREPAID CARD WALLET FEATURE
A cardholder can load maximum 10 currencies at a time.
- For every Currency, a cardholder can have only one single wallet defined on a card.
The cardholder should note that cumulative wallet available balance is validated for all the wallets
except for wallets with closed as well as “freeze” status.
The cardholder cannot have close loop wallets as multi-currency programs are supported by open
loop public networks like VISA.
The cardholder should note that one default wallet will be created by the system in the currency
defined in multicurrency program. All the signup and maintenance fees will be charged to this
wallet provided fees are configured in the currency of the default wallet.
- The cardholder can access Wallet summary from the mobile app or cardholder portal.
Schedule of Charges, Fee & Limits
|Arab Emirates Dirham
|ATM Related Charges
|Daily ATM Withdrawal Limit
USD 5000 or equivalent
|ATM Cash Withdrawal Charges
ATM Balance enquiry fee
|Point of Sale transactions
|USD 25,000 or equivalent
|Monthly SMS Charges
|Dispute Related Charges
|Charge Slip Retrievel
|Charge Back Fee
|Physical Card Charges
|Single Card Issuance / First Load
|Card Reload Fee
|Card Replacement (International)
|Card Replacement (India)
Card Usage Charges
|Point Of Sale (POS)/ Online
|Cash Advance/ Cash @POS
|1% of transaction amount
|Card Non-Usage Charge
|Inactivity Fee (Every 180 Days)
|USD 5 or equivalent
|Currency Conversion Fee
|Cross Currency Fee
|3.50% + GST
|Wallet to Wallet Transfer Fee
|Additional fees for ATM transactions may be levied by the bank owning the overseas ATM used.
Charge slip retrieval is charged for any transaction details being fetched (for a dispute raise) post
the transaction happened.
Chargeback fee is a fee raised by the processor for any dispute investigation, it would be only
charged for legitimate dispute cases.
International SMS alert charges: Debited every 30 days from the highest order wallet with sufficient
balance. In case of insufficient balance, domestic mobile no. will be updated by default.
|Card inactivity fee would be calculated once for every 180 days of inactivity
Cash @POS is a facility through which Ebixcash Globetrotter Travel Card holders can withdraw cash
by swiping their card at merchant outlets.
Cross currency fee is applied at the time of swiping or withdrawing a currency which is not available
in wallet or the available amount is less than transaction value.
All fees and charges mentioned above are exclusive of taxes. Goods and Service Tax (GST) rate of
18% will be levied.
Cardholders are advised not to use prepaid forex card for pre-auth transactions ( Hotel
The fund in such instances gets blocked and are released in max 45 days post final settlement.