When traveling abroad, using a credit card is the easiest way to make payments. But many people don’t realize that most credit cards charge a forex markup fee on international transactions, which can go up to 3.5% of the total amount spent. This extra charge can make your trip more expensive.
Fortunately, some credit cards don’t charge forex markup fees, helping you save money on every purchase made overseas. If you frequently travel or plan an international trip soon, getting a zero forex fee credit card can be a game-changer. Let’s explore the best credit cards for international travel that help you avoid forex charges and offer additional benefits.
1. IDFC FIRST WOW Credit Card – Lifetime Free Card with No Forex Charges
Why It’s a Great Pick:
- Zero forex markup fees, making it perfect for international travelers.
- Earn 1 reward point on every ₹150 spent (excluding fuel, EMI transactions, and cash withdrawals).
- Comes with a ₹2 lakh personal accident cover.
- Enjoy a 50% discount on movie tickets through BookMyShow.
- No joining or annual fees – truly a lifetime free credit card.
Who Should Get It?
This is ideal for those who want a basic, no-cost travel card with forex-free transactions and additional perks like accident cover and entertainment discounts.
2. Federal Bank Scapia Credit Card – Travel Lover’s Delight
Why It’s a Great Pick:
- Earn 20% Scapia Coins (equivalent to 4% rewards) on travel bookings.
- Get 10% Scapia Coins (2% rewards) on other online and offline purchases.
- No forex markup fees on international transactions.
- Unlimited complimentary domestic lounge access every year.
- Redeem Scapia Coins for flights and hotels on the Scapia app.
- Lifetime free credit card – no joining or annual charges.
Who Should Get It?
This card is perfect for frequent travelers who book flights and hotels regularly and want a free card with travel-specific rewards.
3. Axis Bank Burgundy Private Credit Card – Premium Travel Card with Maximum Benefits
Why It’s a Great Pick:
- No forex markup fees, saving you big on global spending.
- Welcome bonus of 30,000 Edge Rewards points.
- 1% fuel surcharge waiver on fuel spends between ₹400 and ₹4,000.
- Comes with premium concierge services and travel assistance.
Who Should Get It?
This card is best suited for high-net-worth individuals (HNWIs) who prefer luxury travel benefits, concierge services, and big rewards.
4. RBL World Safari Credit Card – Made for Frequent Flyers
Why It’s a Great Pick:
- Earn 5 Travel Points per ₹100 spent on flight, hotel, and travel bookings.
- Zero forex markup fee on all international transactions.
- Complimentary lounge access at airports.
- Additional travel insurance coverage for emergencies abroad.
- Bonus travel points on reaching spending milestones.
- Fuel surcharge waiver of up to ₹250 per month.
Who Should Get It?
Frequent flyers who want a travel-focused credit card with forex-free transactions, rewards on travel bookings, and added perks like lounge access and insurance.
5. Ixigo AU Credit Card – Perfect for Budget Travelers
Why It’s a Great Pick:
- No forex markup fees on international purchases.
- Earn 20 reward points (5% rewards) on every ₹200 spent on train bookings via the Ixigo app.
- Discounts on flight, train, and hotel bookings.
- Fuel surcharge waiver for added savings.
Who Should Get It?
This card is a great choice for budget travelers and train commuters who book frequently on the Ixigo app and want to avoid forex charges abroad.
Why Choose a Zero Forex Markup Credit Card?
Here’s why getting a credit card with no forex fees is a smart financial move:
✅ Saves Money: Avoids the extra 3-3.5% markup on foreign transactions.
✅ Convenient Transactions: Pay effortlessly at hotels, restaurants, and stores abroad.
✅ Better Exchange Rates: Get competitive rates without hidden charges.
✅ Extra Perks: Most travel credit cards offer lounge access, insurance, and rewards.
Final Thoughts: Pick the Best Card for Your Needs
Choosing a zero forex fee credit card can make a significant difference in how much you save while traveling abroad. Each card listed here offers unique benefits, so consider your travel patterns and spending habits before selecting the right one. Whether you’re a frequent flyer, a budget traveler, or someone looking for premium perks, there’s a perfect credit card for your international trips!
