Which credit cards are accepted internationally without forex markup?
Kriti Kurup
Asked 3 Apr 2026
7
I am travelling to Europe next month. Which Indian credit cards have zero or very low foreign currency markup fees?
1 Answer
16
Pragya Ranganathan·26 Feb 2026
Short answer: no, EMI on credit card is not cheaper than a personal loan for large amounts (>₹50,000). The processing fee (~₹199-₹599) plus the interest (~14-16% reducing) usually adds up to slightly more than a personal loan rate of 11-13%. But for small-ticket EMI (₹10-20K), it is fine.
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