Gen Z travelers in India are changing how people explore the world. They use technology well, seek meaningful experiences, and are careful with money. However, many still miss out on smart ways to handle their travel finances.
If you are planning an international trip for study, vacation, or work, here are 10 useful tips to save money, avoid extra fees, and travel smart. With good planning and the right forex tools, your journey can be smooth and secure.
Pavan Kavad, Managing Director of Prithvi Exchange (India) Limited, shares these travel hacks:
Use a Forex Card Instead of Cash or Debit Cards
Load foreign currency on a forex card at a fixed rate before you travel. This protects you from currency changes and avoids the 3-3.5% fees debit and credit cards charge for international use. Forex cards are accepted widely and can be blocked or replaced if lost, unlike cash.
Avoid Currency Exchange at Airports
Airport exchange counters have poor rates and high fees. It’s better to order currency online or get it delivered before your trip from a trusted forex provider.
Buy Currency When the Rupee Is Strong
Exchange rates change daily. When the rupee is strong, load your forex card or buy currency to save money. Some platforms let you lock in good rates and send alerts.
Carry Small Bills for Local Expenses
Keep some small notes in foreign currency for tips, local transport, or street food. Don’t rely only on cash as it can be lost and is hard to replace.
Track Your Spending Carefully
Use a forex card with an app that shows your expenses and balance in real time. This helps you stay within your budget and avoid running out of money.
Use Multi-Currency Cards for Multiple Countries
If visiting several countries, a multi-currency card holds different currencies on one card, avoiding extra conversion fees.
Reload Your Card Online
Choose a forex provider that allows online top-ups. Your family can add money to your card from India if you run low abroad.
Don’t Rely on Indian Debit or Credit Cards Overseas
Indian bank cards often have hidden fees and may not work well abroad due to geo-blocks or OTP issues. Forex cards avoid these problems.
Check ATM Withdrawal Fees
Some forex cards allow free ATM withdrawals internationally, while others charge fees. Plan your cash needs to minimize ATM use.
Know Your Card’s Expiry and Refund Rules
Good forex cards can be used for future trips, and you can get refunds for unused currency without heavy charges.
Travel is exciting, but managing money smartly makes it better. Whether for study, adventure, or work abroad, using the right forex tools can save you money and stress.
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