Category
Zero Forex
Cards with no foreign currency markup, ideal for international and online foreign spends.
Last updated 5 September 2026
Zero-forex cards waive the foreign-currency markup on overseas and online foreign-currency transactions, ideal for international travel and subscriptions. FinWiz24 currently tracks 2 active zero forex cards from Niyo, PNB. Annual fees on this list range from 0, with 1 lifetime-free option. Top reward rates hit 10x on the issuer's accelerated category, with waived-fee versions sitting alongside paid options for readers who would rather not clear a spend threshold. Every card below links to a full review with the issuer's latest fee schedule, reward table, and eligibility criteria, so you can match the card to your spend pattern instead of taking the headline rate at face value. Pick the lineup that overlaps with where you actually spend — fuel, dining, travel, online, or EMI — and verify the eligibility bar before you apply, since minimum income and credit-score requirements differ across issuers. Eligible readers can apply directly through the issuer's site when they are ready.
How to pick a zero forex card
We currently track 2 zero forex cards. The lineup: Niyo Global Credit Card (lifetime free ); Punjab National Bank Global Credit Card (₹2,000/yr ) Compare the annual fee against the reward earn on your highest spend, check the eligibility bar on each card page, and prefer lifetime-free options when the fee exceeds a year of expected rewards.