When planning an international trip, one of the biggest expenses is foreign transaction fees on credit cards. Many credit cards charge up to 3.5% as a forex markup fee on every international transaction, adding significantly to your costs. Fortunately, some premium credit cards in India come with zero forex markup fees, meaning you can enjoy your vacation or business trip abroad without worrying about extra charges on your card. Here’s a list of seven of the best credit cards for international travel that eliminate forex fees, along with some unique benefits to enhance your trip.
1. HDFC Bank Regalia ForexPlus Card
This card is specifically designed for frequent travelers and is available in US dollars. The Regalia ForexPlus card doesn’t charge any cross-currency markup fees, meaning that you can use it worldwide wherever Visa or MasterCard is accepted without worrying about extra costs. Plus, it’s highly convenient to reload and track via the HDFC banking app, making it easy to manage your funds on the go.
Key Highlights:
- Zero cross-currency markup fees
- Accepted worldwide at Visa/MasterCard outlets
- Simple reload options
2. Axis Bank Burgundy Private Credit Card
The Axis Bank Burgundy Private Credit Card is a top-tier option for those who want a luxury travel experience. Not only does it offer zero forex markup fees on all international transactions, but it also includes the flexibility to increase the credit limit when you travel abroad. This is great for those who anticipate higher spending. Additionally, you won’t incur any charges on cash withdrawals until the bill’s due date.
Key Highlights:
- No forex markup on foreign purchases
- Adjustable credit limit for global travel
- No cash withdrawal charges until payment is due
3. Federal Scapia Co-Branded Credit Card
Federal Bank’s Scapia Credit Card is designed for travelers who want zero forex fees without the burden of annual or joining fees. This card has no foreign transaction markup, making it a practical choice for budget-conscious travelers. With straightforward benefits and no hidden fees, this card is ideal if you’re looking for simplicity in managing your overseas expenses.
Key Highlights:
- Zero joining and annual fees
- Zero forex markup on global transactions
- Easy and hassle-free application process
4. RBL Bank World Safari Credit Card
The RBL World Safari Credit Card is popular among travelers, especially due to its 0% markup fee on foreign transactions. With an annual fee of Rs 3,000, this card gives you additional perks like two complimentary lounge visits per quarter at both domestic and international airports in India.
Key Highlights:
- 0% forex markup on foreign transactions
- Access to two complimentary airport lounges each quarter
- Ideal for frequent travelers looking for extra travel perks
5. ixigo AU Credit Card
Perfect for the travel-savvy, the ixigo AU Credit Card is designed to help you save on travel expenses. Along with no forex markup fee on international spending, it offers a 10% instant discount on hotel and flight bookings made through the ixigo platform. This card is an ideal option for those who prefer self-planning and online bookings.
Key Highlights:
- No extra charges on international purchases
- 10% instant discount on ixigo hotel and flight bookings
- Best for self-planning travel enthusiasts
6. Club Vistara IndusInd Bank Explorer Credit Card
For Vistara frequent flyers, the Club Vistara IndusInd Explorer Credit Card offers a blend of travel benefits and savings on forex fees. This card waives the forex markup on all international transactions and gives free Club Vistara Gold membership, which unlocks more benefits like business class ticket vouchers and priority services.
Key Highlights:
- Zero forex markup on international spending
- Complimentary Club Vistara Gold membership
- Free business class ticket vouchers on milestone spending
7. BookMyForex Forex Card
The BookMyForex Forex Card is an excellent option for travelers who prefer to pre-load their travel funds. This card, available without any forex markup fees, allows you to lock in favorable exchange rates in advance and manage your funds via an app. It’s a lifetime free card, making it an economical choice for travelers who don’t want to deal with the surprises of fluctuating currency rates.
Key Highlights:
- Zero forex fees on transactions
- Lock in favorable exchange rates in advance
- Lifetime free card with app-based management
These seven credit cards are among the best options in India if you’re looking to save on forex fees while traveling abroad. With features like no foreign transaction fees, complimentary lounge access, exclusive airline memberships, and hotel booking discounts, these cards add value to your international experience. Choosing one of these cards can make your travel more cost-effective and convenient.
