Best multi-currency cards in South Asia [2026]

Here’s how six multi-currency cards available in South Asia compare on fees, currency support, eligibility and international spending features.

Key takeaways

• The World Card is a multi-currency card that lets businesses pay in 150+ currencies with the World Card, including 20 free virtual cards and no fees in 15+ supported currencies when funded
• Bengal commercial bank’s VISA debit card supports international spending and applies a 3% currency conversion markup
• NCC bank’s account-linked debit card offers cashback on purchases and charges 3% currency conversion fees
• BRAC bank’s VISA platinum debit card supports international spending after passport endorsement
• DBBL Nexus is a reloadable prepaid travel card with a minimum BDT 5,000 initial load
• Jamuna Bank’s prepaid card has no issuance fee, requires no bank account, and supports payments in BDT or USD

Businesses in South Asia doing global trade pay in foreign currencies constantly, whether its overseas supplier invoices, international SaaS subscriptions, or online ads. Every one of these payments made through a local currency card carries a foreign exchange (FX) markup, and many cards have low international spending limits that block larger transactions.

Multi-currency cards are designed to make these payments easy, and they come in different shapes: personal or travel cards, bank-linked debit cards, and business payment cards that connect directly to multi-currency balances.

This guide compares six of them on eligibility, fees, currency support and international spending features.

What to look for in a multi-currency card

• Supported currencies: Check how many currencies the card supports and whether it lets users hold balances in each currency or converts payments at the point of sale
• Card type: Multi-currency cards are available as business, personal, prepaid and travel cards. Eligibility, spending features and intended use cases vary depending on the card type
• Fees: Compare card issuance fees, annual charges, currency conversion fees and any transaction costs
• Availability: Some cards are only available to customers of a specific bank, while others can be obtained without opening a bank account. Country-specific restrictions may also apply
• International acceptance: Cards issued on networks such as VISA or Mastercard are generally accepted by merchants and ATMs worldwide
• Spending controls and tracking: Features such as spending limits, freeze/unfreeze controls and real-time transaction tracking can help users manage card usage

Best multi-currency cards in South Asia

World Card by WorldFirst

The World Card is a Mastercard-powered virtual card for business linked to a multi-currency account, World Account. It supports payments in more than 150 currencies wherever Mastercard is accepted, making it suitable for businesses paying overseas suppliers, subscriptions and advertising platforms.

Businesses can issue up to 20 virtual cards at no issuance cost, set spending controls, freeze cards instantly and monitor transactions in real time. Payments made in any of the 15+ supported currencies incur no currency conversion fees when sufficient funds are held in that currency. The World Account also includes local receiving accounts in currencies including USD, GBP, EUR and CNH, with marketplace collections from 130+ platforms and integrations with Xero and NetSuite.

Key features

• Mastercard-powered business payment card
• Transactions in 150+ currencies
• Up to 20 virtual cards at zero issuance cost
• No fees when paying in 15+ supported currencies with available balance
• Collect payments from 130+ marketplaces
• Xero and NetSuite integrations

Word card pricing

*Fees last checked in July 2026. Cashback available on eligible spending (Terms & Conditions apply).

→ Businesses looking for a virtual card for Facebook Ads or a virtual card for freelancers can also compare options in our related guides

Bengal commercial bank multi-currency debit card

The Bengal commercial bank multi-currency debit card is linked to current and savings accounts in Bangladesh.¹ It supports domestic and international payments, online shopping, global ATM withdrawals and contactless transactions.¹Cardholders also receive SMS and email transaction alerts, 3D Secure protection and can be paid wherever VISA, NPSB and Q-Cash ATM networks are available.¹

Pricing:

• Currency conversion markup: 3%²
• Card issuance and annual fee: Not specified

*Fees last checked in July 2026

NCC bank multi-currency debit card

The NCC bank multi-currency debit card is available to individuals holding an NCC Bank savings or current account.³ Linked directly to the account, it supports local and international ATM withdrawals, POS purchases and online payments.³ The card features EMV chip and NFC technology, SMS and email transaction alerts and global spending limits.³ NCC Bank states the card enables international spending without the usual currency conversion between BDT and USD for supported transactions.³

Pricing:

• Card issuance and annual fee: BDT 500³
• Currency conversion fees: 3%³

*Fees last checked in July 2026

BRAC bank VISA platinum multi-currency debit card

The BRAC bank VISA platinum multi-currency debit card lets eligible Bangladeshi customers spend internationally using their account balance after passport endorsement.⁴ It supports overseas ATM withdrawals, online subscriptions and international purchases.⁴ The card also offers reward points on eligible spending, discounts at partner merchants and full access to BRAC Bank’s Astha app features, including QR payments.⁴

Pricing:

• Card issuance and annual fee: Not specified
• Currency conversion fees: Not specified

*Fees last checked in July 2026

DBBL nexus VISA travel card

The DBBL nexus VISA travel card is a reloadable prepaid travel card for Bangladeshi residents.⁵ It supports multiple currencies for international ATM withdrawals, shopping and online payments after passport endorsement where required.⁵Available to both DBBL and non-DBBL customers, the card requires a minimum BDT 5,000 load and offers a five-year validity and balance refunds after travel.⁵

Pricing

• Card issuance and annual fee: Not specified
• Currency conversion fees: Not specified

*Fees last checked in July 2026

Jamuna bank VISA prepaid card

The Jamuna bank VISA prepaid card is a reloadable prepaid card available in BDT or USD.⁶ It can be used by Bangladeshi nationals for international shopping, ATM withdrawals, exam fees, overseas medical expenses and online advertising payments.⁶ Spending limits are based on the amount loaded onto the card, with a maximum annual limit of US$12,000.⁶ Plus, applicants do not need a Jamuna Bank account to apply for this card.⁶

Pricing⁶

• Card issuance: Zero
• Initial deposit: BDT 500 (credited to card balance)
• Currency conversion fees: Not specified

*Fees last checked in July 2026

The bottom line on multi-currency cards

A multi-currency card should make international spending simpler, not more complicated. A low issuance fee means little if foreign exchange charges quietly add up later, and broad acceptance matters less if eligibility keeps you out. By comparing costs, access requirements and payment features side by side, it’s easier to match a card with how you actually spend across borders.

FAQs

What is a multi-currency card?

A multi-currency card allows users to make purchases in multiple foreign currencies. Depending on the provider, it may hold balances in different currencies or automatically convert payments at the time of purchase.

What is the difference between a multi-currency debit card and a prepaid card?

A debit card is linked directly to a bank account, while a prepaid card must be loaded with funds before use and is not always connected to a bank account.

Can I use a multi-currency card for international online payments?

Yes. Most multi-currency cards support international online payments for shopping, software subscriptions, travel bookings and other cross-border transactions where Visa or Mastercard is accepted.

Are there fees for using a multi-currency card abroad?

Fees vary by provider and may include currency conversion charges, ATM withdrawal fees, annual fees or card issuance fees. Some providers waive foreign exchange fees for supported currencies or specific transactions.

Sources

1. https://www.bgcb.com.bd/cards/bengal-multi-currency-debit-card
2. https://www.bgcb.com.bd/public/assets/BGCB_SOC_Card.pdf
3. https://www.nccbank.com.bd/NccbServices/soc
4. https://www.bracbank.com/en/product/multi-currency-debit-card
5. https://www.dutchbanglabank.com/electronic-banking/travelcard.html
6. https://jamunabankbd.com/visa-prepaid-card/

This article is intended for informational purposes only and does not constitute legal advice or professional advice. This article should not be regarded as constituting an offer or a solicitation to buy or sell any regulated or financial products or services. WorldFirst makes no representations or warranties regarding the accuracy, completeness, or applicability of the content, and readers are encouraged to consult with legal professionals or other professionals for advice tailored to their specific situation. WorldFirst does not guarantee the accuracy and completeness of this article and expressly disclaims any and all liability to any person in respect of the consequences of anything done or omitted to be done wholly or partly in reliance on this article.