Planning a winter getaway abroad? Here are some of the best Indian credit cards that help you save on foreign-transaction charges — so more of your money goes into experiences, not fees.
Cards Worth Checking Out
| Card | Forex Markup / Fee | What Stands Out |
|---|---|---|
| RBL Bank World Safari Credit Card | 0% forex markup | Good for frequent travellers: travel-friendly rewards, lounge access and waiver on forex fee. |
| IDFC FIRST WOW! Credit Card | 0% forex markup, lifetime-free card | No annual fees, and budget-friendly for occasional travellers or short trips. |
| IDFC FIRST Mayura Credit Card | 0% forex markup on international spends | Works well if you travel often — card offers travel-related perks and zero forex charges. |
| Federal Bank Scapia Credit Card | Zero forex markup + zero joining/annual fee | Good for travellers on a budget — frequent use + international spends don’t attract extra forex fee. |
| AU NOMO Credit Card (or similar low-fee cards) | Very low forex markup (0.99% or similar) on foreign spends | If you want a middle-ground — modest fee, but better than standard high mark-ups when abroad. |
Why this matters: Many Indian credit cards charge 3–4% (or more) extra when you pay abroad. Using a low- or zero-markup card can save you that entire amount — which adds up on big trips.
How to Pick the Right One (Based on Your Travel Style)
- Frequent Traveller: Cards like RBL World Safari or IDFC FIRST Mayura — zero markup + travel perks + lounge access — give best value.
- Occasional / Budget Traveller: IDFC FIRST WOW! or Federal Bank Scapia — no fees + zero markup — keep costs down when you travel rarely.
- Balanced Traveller: AU NOMO (or similar) — small forex fee but better than regular cards, good for moderate trips abroad without premium costs.