Which credit cards are accepted internationally without forex markup?
Shahid Tiwari
Asked 11 Mar 2026
1
I am travelling to Europe next month. Which Indian credit cards have zero or very low foreign currency markup fees?
2 Answers
Accepted
5
Aarav Goyal·14 May 2026
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
11
Sara Acharya·6 May 2026
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
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