GUIDESDEBIT CARDS
Things to know before Travelling Abroad: A Step-by-Step Guide
4 MIN • 
LAST EDITED BY ANKANA GHOSHAL ON APRIL 30, 2025.
LAST EDITED BY ANKANA GHOSHAL ON APRIL 30, 2025.
GUIDES LAST EDITED BY ANKANA GHOSHAL ON APRIL 30, 2025.
Did you know that the number of Indians taking two or more international trips has grown by 32% over the past year? This growing wanderlust, fuelled by easier visa processes and rising disposable incomes, reflects a global mindset among Indian travellers. However, venturing abroad comes with its share of logistical challenges.
This guide is a checklist tailored for both seasoned and first-time Indian travellers. It covers everything you need to know for a seamless international trip.
First things first – get your passport ready.
Applying for a passport well in advance is crucial for first-time international travellers to avoid unnecessary stress. Beyond flights, passports are often needed for identity verification, like hotel check-ins, which is standard practice.
If you already have one, ensure it is valid for at least 6 months beyond your travel date and has at least two blank pages.
Research visa requirements early. Some visas, like those for the USA or Schengen countries, may take weeks to process.
For e-visas (such as those issued by UAE or Sri Lanka), ensure you have clear, high-quality scans of the required documents.
To explore countries that are Visa-Free for Indians, read: https://fi.money/guides/debit-cards/Top-Picks-for-Budget-Friendly-International-Trips
Unexpected medical emergencies, trip cancellations, or lost luggage can make your dream trip a nightmare. Travel insurance is a must for financial security.
Compare policies from top Indian insurers and look for policies that cover medical expenses, trip delays, and adventure activities.
Pro Tip: Keep digital backups of all essential documents in your phone and cloud storage.
Pack prescription medicines, an emergency first-aid kit, and a doctor’s note stating that you are fit to travel for airport security purposes. Some countries, like Africa and South America, require vaccination certificates for diseases like Yellow Fever. Check your destination's health and travel advisories on the Ministry of External Affairs website.
Packing isn’t just about what you carry but how you organise it. Use a packing checklist to ensure you don’t forget essentials like chargers, travel adapters, and toiletries. Carry a well-stocked carry-on bag containing ID, snacks, medications, and a change of clothes for long flights. Carry travel size bottles to save on space and not having to carry a heavy luggage.
Pro Tip: Weigh your luggage at home to avoid excess baggage fees at the airport.
Jet lag can ruin the start of your trip. Adjust your sleep schedule a few days before travelling.
Stay hydrated and avoid alcohol/ spicy meals during flights. Get some sunlight as soon as you land to reset your internal clock.
Look for cards that let you avoid the hefty forex fees and hidden charges during international transactions. One example is the Zero-Forex* Fi-Federal Debit Card, which offers a smooth international experience by eliminating unnecessary costs. With zero forex fees*, no loading charges, and seamless global transactions, it's the ultimate companion for Indian travellers who want to manage their money smarter and cost-effectively abroad.
Additionally, carry some local currency for small, cash-only businesses such as street vendors, local transport, or tips. To avoid poor exchange rates, exchange your currency at trusted providers before your trip, not at airport kiosks.
Opt for affordable international roaming packs from providers like Airtel or Jio, tailored for Indian travellers. Alternatively, consider using an e-SIM for hassle-free, cost-effective connectivity without needing to swap physical SIMs. These options ensure uninterrupted access to essential services, such as mobile banking or OTPs. Don’t forget to download travel-friendly apps like Google Translate for real-time language assistance and Google Maps for easy navigation. Staying connected enhances both convenience and safety while exploring a foreign destination.
Safety and preparedness are vital for stress-free international travel. Save important contact numbers before departure, including:
To enhance safety, register your trip on the Indian government’s MADAD portal, which provides consular support in emergencies. Being prepared with these details ensures you can quickly access help, no matter the situation, adding peace of mind to your travel experience.
International travel doesn’t have to be overwhelming. With careful preparation and these pro tips, you can navigate airports, cultures, and time zones like a seasoned traveller. Whether you’re jetting off for business or leisure, make your journey stress-free by ticking off every point in this guide.
Bon voyage!
*Note: Any mention of zero forex linked to the Fi-Federal Debit Card in this blog implies Zero Forex is available on select account plans.
How do currency conversion fees (or forex charges) work?
Currency conversion fees are charges banks or card networks apply when transacting in a foreign currency. These fees typically range from 1-3% of the transaction amount.
How do I avoid dynamic currency conversion (DCC) charges?
When you are abroad, choose local currency while paying online or for any purchase. If the payment terminal asks for options, choose the local currency. Many travellers unknowingly pay extra by choosing to pay in their home currency. Tips on always choosing local currency can help readers avoid DCC fees.
How can I avoid ATM withdrawal fees abroad?
Many travellers worry about hidden fees when withdrawing cash internationally. Tips could include travelling with zero-forex* cards like the Fi-Federal Debit Card and going to ATMs that offer low or free withdrawals.
Do I need to enable international transactions on my debit/credit card?
Enabling international usage is often overlooked, but it is essential for most bank cards. Go to your Card Settings and enable International usage for an uninterrupted experience. You can also set daily ATM, transaction, and contactless limits on the app so that your transactions are not declined due to low limits.
What are the daily ATM withdrawal limits for my card?
ATM withdrawal limits refer to the maximum amount you can withdraw daily or per transaction. Your bank sets these limits based on your account type/ card to ensure security. You can check or adjust these limits via your bank’s app. For international ATMs, limits may vary based on the country you’re visiting, and transactions exceeding the local ATM’s maximum amount will be declined.
What should I do if my card gets declined abroad?
Ensure that you carry a Visa or Mastercard card (since they are widely accepted) for your international travel. Before your travel, enable international usage and contactless payment (via Tap & Pay) for a seamless payment experience. If issues persist even after activating these settings, contact your bank through their app or helpline. Also, always carry some local currency as a backup.
Can I use my digital wallets (Apple Pay, Google Pay, etc.) abroad?
Digital wallets like Apple Pay and Google Pay work abroad where supported, but acceptance varies by country and merchant. Ensure your wallet is linked to an internationally accepted card (like Visa or Mastercard), and enable international transactions before travelling. Carry a backup option, like a travel card or cash, for places that don’t accept digital payments.
What’s the best way to access emergency funds while travelling?
Carry some local currency and use ATMs abroad with a Visa or Mastercard-enabled card. For cash-preferring countries, withdraw as needed within daily limits. Keep backup options like travel cash cards or international transfer services handy for emergencies.
Which card should you use abroad: a prepaid travel card or a regular debit/credit card?
Travel cards provide fixed forex rates, better control over spending, and reduced international transaction fees, making them ideal for budgeting. Regular cards are more convenient but can have higher foreign exchange fees and unpredictable rates. Travel cards are a cost-effective choice for frequent travellers, while regular cards work well for occasional use.
