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HDFC & PAYTM - Why conversion charges in India ???

DEEP_RAY

TF Select
From the last few months I am observing that whenever I am using my PAYTM VISA debit card in HDFC ATM, it is asking for conversion charges. I am confused. Please check the attached image below.

Screenshot 2022-12-21 at 2.22.12 AM.png


Still I can withdraw without any extra charges if I go with "Continue without conversion".

Only HDFC ATM shows this message. Any idea ??
 
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