What is the forex markup fee on Indian credit cards?
Ananya Chaturvedi
Asked 13 Apr 2026
I travel abroad twice a year. Which Indian credit cards have the lowest foreign currency markup fee for international transactions?
2 Answers
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
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