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What is the forex markup fee on Indian credit cards?

Tillotama Bhatt

Asked 30 May 2026

21

I travel abroad twice a year. Which Indian credit cards have the lowest foreign currency markup fee for international transactions?

2 Answers

15
Ayaan Hooda·10 Apr 2026

I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.

10
Hansika Pillai·10 May 2026

Two cards from the same bank usually share credit limit, not stack it. So if bank gives you ₹2 lakh total, splitting between two cards doesn't increase your available credit. That's a common misconception people carry when applying for their second card.

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