I had taken a Matrix Card while traveling abroad and when I returned back I had unspent balance in Euro. I surrendered the card for refund and even after 10 days there are no signs of any refund and everyday I am being told that the same will be done the following day. Matrix thinks that those who are buying their Travel Card are all fools and they can enjoy the float income at the cost of the customer. Absolutely shameful. If you are buying a Matrix Travel Card ensure that there is no balance left in the card when you return back or if you have any balance draw the amount in ATM abroad so that you can exchange the currency much faster. Will never again go for a Matrix Card.