Which credit cards are accepted internationally without forex markup?
Saanchi Das
Asked 21 May 2026
23
I am travelling to Europe next month. Which Indian credit cards have zero or very low foreign currency markup fees?
2 Answers
Accepted
14
Sachin Nigam·24 Apr 2026
Forex markup comparison: Amex = 3.5%, HDFC Infinia/Diners Black = 2.0%, Axis Atlas = 3.5% but with milestone fee waivers, ICICI Emeralde = 3.5%, Standard Chartered = 3.5%. If you travel more than twice a year, the math favours Infinia or Diners Black.
18
Darshan Pillai·11 Mar 2026
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.
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.