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The great flexibility and added functionality of Thomas Cook Prepaid Travel Card means that as long as you have more than one Currency loaded, the Card will automatically select the next available Currency, in the following order; USD, GBP, EUR, CAD, AUD, JPY, SGD, CHF , AED THB. The search will automatically begin from USD. If you do not have the currency of the country you are visiting on your Card at all (or not enough to cover the cost of a purchase), you can still use it to make a payment. The Currency (-ies) of the Card will automatically be converted into Local Currency, in the order described above. It is possible for a transaction to be funded from multiple Currencies (this process will occur automatically by drawing funds from the Currencies loaded on your Card in the above default order, until the total amount of the transaction is satisfied). For example, if you have the following Currencies and amounts loaded onto your Card; GBP £250, EUR 10, and AU$100, you are in France and want to make a purchase for EUR 20, the Card will automatically check the Currencies on the Card, starting at EURO (being the relevant Local Currency) and then GBP, from which to fulfill the remaining EURO10, in order to authorize the transaction. If EURO not available, the Card will move along the list until it finds an available Currency from which to deduct payment. You do not need to have the total amount required for the transaction in a single Currency, as long as the total amount of all your converted Currency balances is greater than the relevant transaction amount. Please note that any transactions in a currency other than a Currency loaded on the Card will be exchanged to the relevant Currency/ies on the Card at an exchange rate determined by MasterCard on the day the transaction is processed plus a Currency Conversion Fee as set out in the Table of Fees and Limits.

You can use your Thomas Cook Prepaid Travel Card to shop online (within the limits and restrictions of your Card) at any merchant that accepts MasterCard cards. By using your Thomas Cook Prepaid Travel Card in the currency that the online site trades in, you know exactly what your purchase will cost and you won t be stung by unknown exchange rate fees, unlike when you use your domestic credit or debit card. For your security, you may be asked to provide the security code that are printed on the signature strip on the back of the Card. Thomas Cook Prepaid Travel Card may not be used for money transfers or for accessing or purchasing goods from adult or gambling internet sites and must not be used for any unlawful activity. You must comply with all laws and regulations (including any foreign exchange controls), in respect of the Card in India and in the country of use. Due to FEMA regulations, the Thomas Cook Prepaid

Travel Card cannot be used at ATMs or merchants in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan. In addition, the Card is also unable to be used in countries subject to economic sanctions, including: Cuba, Iran, North Korea, Sudan and Syria. The list of sanctioned countries is subject to change from time to time.

Even with a zero balance, your Thomas Cook Prepaid Travel Card is still valid (up to the expiry date on the Card), and you can reload it for your next trip (subject to FEMA requirements). To reload a Thomas Cook Prepaid Travel Card, you can contact any of your nearest SIB Branch.

For peace of mind on your holiday, you may purchase an Additional Card and use it as a backup.

You can simply change the PIN by registering your card on www.thomascooktravelcards.com

By registering your Thomas Cook Prepaid Travel Card you can check your balance, review your transaction history, change your PIN, view or download statement and also raise a query.

Every transaction done on your card is followed with an alert on your registered e-mail and mobile phone. What do I do if I find an incorrect transaction on my Card? If you have any queries about your Thomas Cook Prepaid Travel Card balance or you notice a Card transaction that you do not recognize, please notify the 24 hour Card Services team as soon as possible and in any event within thirty (30) days of the transaction debit date. We will be happy to check and confirm the transaction details for you. If there is a transaction which is not correct, Card Services can start the dispute process on your behalf and may request you to provide additional written information concerning any unrecognized transaction, or to complete a dispute form. Please help them to help you by providing as much information as you can. It is recommended that you check your transaction history and Card balance at least once a month.

Your Thomas Cook Prepaid Travel Card should work in any ATM displaying the MasterCard Acceptance Mark. If after several attempts to withdraw cash at an ATM, your Card still doesn't work, you can get 24/7 help from Card Services, via the Global Emergency Assistance numbers. Please note; if an ATM screen prompts you to choose which account? It is recommended that you choose the Credit option. You can only withdraw cash from an ATM up to the available balance on your Thomas Cook Prepaid Travel Card (including any applicable fees) and if the amount is within the ATM's issuing limit.

Surcharge is an extra fee levied by the ATM operator over and above the withdrawal fee charged by the issuer on a withdrawal transaction. The fee is determined and charged by the ATM operator and is not retained by us.

All point Network is the largest surcharge-free ATM network with more than 55,000 ATMs in leading national and regional merchant locations across the United States, Canada, Mexico, United Kingdom and Australia. Thomas Cook is the only issuer to have such a tie up across India. All point ATMs can be located by using the link.http://www.allpointnetwork.com/

In some countries, you may be asked for a six digit PIN, when using an ATM. However, Thomas Cook Prepaid Travel Card uses a standard four digit PIN, which will still be accepted if the ATM has been set up correctly in compliance with MasterCard requirements. If you need assistance with any PIN issues, please call Card Services.

You must contact us as soon as possible. 24/7 Global Emergency Assistance will get you back in control of your money. Instructions are available above.

This t have enough money on the Card to cover the purchase (though you can always use the total balance on your Thomas Cook Prepaid Travel Card to make a partial payment, if the merchant supports it).Be aware that some merchants, such as restaurants and car hire companies, may require the Card to have an available (total) balance greater than the purchase amount, before they will authorize the payment.

It is not recommended to use your Thomas Cook Prepaid Travel Card as a guarantee of payment for hotels, car hire, etc. These companies may estimate your bill, and if you use your Card as a guarantee for the estimated amount, the funds will be temporarily unavailable to access or spend. You can of course use your Thomas Cook Prepaid Travel Card to settle your final bill.

Dynamic Currency Conversion (DCC) is an optional service that is sometimes offered by retailers and ATM operators abroad, giving cardholders the choice of paying in either the currency of the country they are visiting or their own domestic currency, i.e. Indian Rupees. You should not make a purchase or ATM withdrawal in Indian Rupees (as you are prohibited from doing so by law) and you should instead choose to pay in the local currency. Please note that there will be an additional cost if the merchant transaction or ATM withdrawal is in a currency other than a Currency on the Card, or where you do not have sufficient funds on the Card in the relevant Currency, and you should refer to the Table of Fees and Limits for further information.

No, cash back is not available on the Thomas Cook Prepaid Travel Card.

You can either transfer any remaining funds to a new Card or cash out the balance and close your Thomas Cook Prepaid Travel Card. To cash out and close your Card, you can visit your nearest SIB branch.

If you are not planning to travel again soon, you can withdraw your remaining balance, whilst outside India, from an ATM displaying the MasterCard Acceptance Mark (assuming it is within the ATM's withdrawal limits). Alternatively, you can take your Card back to the Thomas Cook (India) Ltd. branch or its authorized agent where you bought the Card and they will refund you the balance. A fee will be charged for this service.

The issuance fee for Travel Card is Rs.200+GST. Realod fee is Rs.100+GST and Refund Fee: Rs.100+GST

Travel card is valid for a period of 5 years.