Thomas Cook Borderless Prepaid Card

Thomas Cook (India) Limited · prepaid forex card · Open to buy

Thomas Cook's base multi-currency card, issued by Thomas Cook itself: 28 currencies, no issuance or reload fee, ATM fees in each currency and a 4.25% cross-conversion fee.

Currencies
28 currencies: USD, GBP, EUR, JPY, SGD, AUD, CAD, CHF, AED, THB, SAR, NZD, CNY, SEK, VND, MYR, IDR, DKK, HKD, QAR, NOK, OMR, KWD, BHD, BDT, ZAR, KRW, PHP
Cross-currency markup
4.25%
Issuance
Nil
Reload
Nil
ATM withdrawal
USD 2, EUR 1.5, GBP 1.5
Valid for
5 years
Data
From bank documents, checked 6 Nov 2026

Where the sources disagree

  • ZAR balance enquiry fee: The T&C gives "ZAR 09.00", the FAQ "ZAR 0.9". Left out of the fee.
  • BDT balance enquiry fee: Both the T&C and the FAQ give BDT 0.61 against a BDT 245 withdrawal fee, which looks like a misprint. Left out of the fee.

Not in these numbers

  • The exchange rate for loads and in-branch reloads "varies by Purchase Location"; no margin is published, so the comparison leaves it out.
  • The replacement, additional card and cash-out fees are charged "as set out in the Table of Fees and Limits" of a user guide that is not online; no declined transaction fee or maximum load is published.
  • Dynamic currency conversion is blocked on the card. Surcharge-free AllPoint ATM withdrawals: the Borderless Travel Card page says valid till 31 March 2026, but the FAQ still lists them; not entered as a benefit.
  • The product page (s1) shows insurance, lounge, e-SIM and replacement terms in its card-features pop-up, but they are headed for the Borderless Travel Card, and the FAQ gives them only for the Borderless Travel, Study Buddy and EnterpriseFX cards; they are not entered for this card.

Sources

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