Article: “I WANT TO SPREAD AWARENESS ABOUT ELECTRONIC PAYMENT? READY TO USE IT?” …we read from this article that ONLY now are the banks finally issuing these debit cards that can be used globally, such as in the U.S…Yes, they are finally being released…Yes, it is time for them now…the rate is determined at the bank, when the transaction goes through at the bank when the card is used…NO rate on the card…The rate is controlled by the currency exchange or the CBI (official rate) whichever one they are linked to.