Which credit cards are accepted internationally without forex markup?
Amara Bara
Asked 19 May 2026
I am travelling to Europe next month. Which Indian credit cards have zero or very low foreign currency markup fees?
3 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.
The customer care experience matters more than people think. I've had two cards with similar rewards, and the one from the bank with better support saved me ₹18,000 when there was a merchant dispute. Don't underestimate this.
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
Your Answer
Sign in to post your answer and help the community.
Sign in to postWhy sign in? We moderate Q&A to keep it spam-free.