What is the forex markup fee on Indian credit cards?
Shweta Pandya
Asked 21 Feb 2026
I travel abroad twice a year. Which Indian credit cards have the lowest foreign currency markup fee for international transactions?
2 Answers
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.
Don't blindly apply based on YouTube recommendations. Pull your latest CIBIL score first — most premium cards need 760+. If your score is in the 700-750 range, start with a lifetime free card and upgrade after 12-18 months of clean history.
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