Frequent international travelers know that foreign exchange (forex) markup fees can significantly increase the cost of transactions abroad. Whether you are seeking financial guidance from an investment advisory or looking for insights from a share market advisory, managing your expenses wisely during international travel is crucial. One of the best ways to save money is by using a credit card that eliminates forex markup fees, allowing you to make transactions at the exact exchange rate without extra charges. Here’s a look at the best international travel credit cards in India that offer zero forex markup.
1. Niyo Global Card
✅ Forex Markup: 0%
✅ Best For: Frequent travelers who want a fully digital banking experience
✅ Key Benefits:
- Zero forex markup on international transactions.
- Works as a prepaid card with real-time exchange rates.
- Global ATM withdrawals with minimal fees.
- App-based card management for easy tracking.
2. IndusInd Bank Celesta Credit Card
✅ Forex Markup: 0%
✅ Best For: Premium travelers who want luxury benefits
✅ Key Benefits:
- Unlimited international lounge access.
- Complimentary golf rounds and premium hotel privileges.
- Concierge services for travel assistance.
- High reward points on travel and dining.
3. RBL World Safari Credit Card
✅ Forex Markup: 0%
✅ Best For: Budget-conscious travelers
✅ Key Benefits:
- No forex markup on international spending.
- ₹3,000 travel voucher as a welcome gift.
- 2 reward points per ₹100 spent on domestic transactions.
- Complimentary lounge access at domestic and international airports.
4. Axis Bank Magnus Credit Card
✅ Forex Markup: 0%
✅ Best For: Premium travelers who want high-end privileges
✅ Key Benefits:
- Unlimited airport lounge access worldwide.
- Complimentary business-class flight ticket every year.
- Luxury hotel memberships and dining discounts.
- High reward points on travel, dining, and shopping.
5. HDFC Bank Infinia Metal Edition Credit Card
✅ Forex Markup: 0%
✅ Best For: High-net-worth individuals (HNWIs)
✅ Key Benefits:
- Unlimited Priority Pass lounge access
- 5X reward points on travel, dining, and international transactions.
- Complimentary golf rounds at premium courses
- Comprehensive travel and medical insurance coverage.
6. OneCard Metal Credit Card
✅ Forex Markup: 0%
✅ Best For: Tech-savvy travelers who prefer app-based management
✅ Key Benefits:
- Lifetime free card with no hidden fees.
- International transactions with zero forex charges.
- Customizable credit limit and spending controls via the app.
- Attractive cashback and reward points.
Why Choose a No Forex Markup Credit Card?
Using a zero forex markup credit card has several benefits:
✔ Saves Money – Avoids additional forex conversion fees (usually 2-3.5%).
✔ Better Exchange Rates – Transactions are processed at the actual exchange rate.
✔ Convenience – No need to carry large amounts of cash while traveling.
✔ Enhanced Security – Credit cards offer fraud protection and travel insurance benefits.
Conclusion
Choosing the right international travel credit card can help you save money and enjoy premium travel perks. Whether you’re planning finances with an investment advisory or exploring global markets with a share market advisory, having a card with zero forex markup ensures that your international spending is cost-effective. Evaluate your travel needs and select a card that maximizes savings while offering excellent travel benefits.
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