How can I get an international purchase refund from my Higlobe Card?

Your Higlobe Card is a Visa Signature Card. That's why it follows the rules applied by Visa. Check out the details on applying for a refund. 

How does a refund for a Visa card purchase work?

The refund (or reversal) of a purchase made with a Visa card is the responsibility of the merchant where the purchase took place, not the card-issuing bank. It is the merchant who initiates the refund process with the card network.

How long does a Visa card purchase refund take?

The time it takes for the refund to appear on the statement or card balance varies according to each merchant's policy. Once the merchant confirms the refund, the amount usually takes a few business days to be processed and reflected in the account.

If the purchase wasn't made in US dollars (USD), how does the refund work?

When a purchase is made in a currency other than the US dollar, the refund is always for the full amount in the transaction's original currency. In other words, the merchant returns 100% of the amount in the same currency used for the purchase.

Which exchange rate is used for an international purchase refund?

The exchange rate applied to the refund conversion is the rate in effect on the date the credit is processed, not necessarily the same rate used at the time of the original purchase. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

Can the refund amount differ from the originally debited amount? 

Yes. Since the exchange rate on the day of the refund may differ from the rate on the day of the purchase, the final amount credited to your account or statement may vary slightly (up or down) compared to the amount originally debited.

Where can I check the exchange rate used by Visa?

To track daily rate fluctuations, you can use Visa’s official exchange rate calculator. 


If you need any further assistance, our Support team is available from 9:00 AM to 6:00 PM, Monday to Friday via Live Chat or by email at support@higlobe.com.