Standard credit cards in India charge 2% to 3.5% as forex markup. However, several cards now offer 0% forex markup, making them ideal for international spends.
Top picks for 2026:
- AU IXIGO Credit Card: Zero forex markup and premium lounge access.
- Scapia Federal Bank Card: Unlimited domestic lounge access and zero forex markup.
- IDFC First Wealth: Low 1.5% markup (nearly zero) with great benefits.
- Niyo Global Cards: The reliable choice for students and frequent travelers.
Pro tip: Always pay in the local currency of the country you are visiting to avoid Dynamic Currency Conversion (DCC) fees, even on zero-markup cards.
Best Zero Forex Markup Credit Cards for International Travel India 2026