When traveling internationally, hidden costs like foreign exchange (forex) markup fees can make your expenses skyrocket. Most credit cards charge a forex markup fee of 2-3.5% on every transaction made in a foreign currency. However, some premium travel credit cards come with zero forex charges, making them the perfect companions for globetrotters. If you frequently travel abroad, choosing the right card can save you a significant amount while providing added travel benefits.
Here’s a list of the top six credit cards in India that offer zero forex markup fees along with exciting travel perks.
1. Niyo Global Credit Card
Why Choose This Card?
The Niyo Global Credit Card is an excellent option for travelers as it offers zero forex markup fees on international transactions. It also provides premium benefits like travel insurance and worldwide ATM access without extra charges.
Key Benefits:
- Zero forex markup on all international transactions.
- Complimentary airport lounge access worldwide.
- Travel insurance coverage, including lost baggage protection.
- No hidden charges on ATM withdrawals abroad.
- Exclusive reward points on foreign spending.
Best For:
Frequent travelers who want a hassle-free, low-cost international spending experience.
2. IndusInd Bank Celesta Credit Card
Why Choose This Card?
The IndusInd Bank Celesta Credit Card is designed for elite travelers, offering a seamless and luxurious international travel experience with zero forex markup fees.
Key Benefits:
- Zero forex markup on global transactions.
- Unlimited international airport lounge access via Priority Pass.
- Exclusive travel privileges, including hotel discounts.
- Comprehensive travel insurance for international trips.
- Luxury lifestyle rewards on spending abroad.
Best For:
Luxury travelers who want premium benefits while spending abroad.
3. IDFC FIRST Wealth Credit Card
Why Choose This Card?
The IDFC FIRST Wealth Credit Card is one of the best lifetime free travel credit cards with zero forex markup charges. It provides several travel benefits, including lounge access and concierge services.
Key Benefits:
- Zero forex markup on all international transactions.
- Lifetime free card with no annual fees.
- Unlimited domestic & international airport lounge access.
- 5X reward points on international spends.
- Travel insurance coverage for flight delays and loss of baggage.
Best For:
Frequent travelers looking for a lifetime free credit card with premium travel benefits.
4. Axis Bank Magnus Credit Card
Why Choose This Card?
The Axis Bank Magnus Credit Card is a high-end travel credit card with exclusive benefits for international travelers, including zero forex fees, hotel privileges, and luxury airport experiences.
Key Benefits:
- Zero forex markup on foreign transactions.
- Complimentary domestic & international lounge access.
- Taj, Marriott & Oberoi hotel benefits for luxury stays.
- Personal concierge service for travel bookings.
- Bonus reward points on travel-related expenses.
Best For:
High-spending travelers who want luxury travel perks with forex-free international spending.
5. HSBC Premier Credit Card
Why Choose This Card?
The HSBC Premier Credit Card is an international traveler’s delight, offering zero forex fees, travel rewards, and concierge services to enhance your trips.
Key Benefits:
- Zero forex markup on international transactions.
- Unlimited complimentary airport lounge access.
- Luxury hotel and airline discount offers.
- Travel and medical insurance coverage.
- Exclusive concierge services for travel bookings.
Best For:
Frequent business travelers looking for a global credit card with premium perks.
6. HDFC Infinia Credit Card (Metal Edition)
Why Choose This Card?
The HDFC Infinia Credit Card (Metal Edition) is a premium travel card that offers a zero forex markup on international spending along with luxury travel privileges.
Key Benefits:
- Zero forex markup on global transactions.
- Unlimited airport lounge access worldwide.
- High reward points on foreign spending.
- Luxury hotel & flight privileges.
- Comprehensive international travel insurance.
Best For:
Elite travelers who prefer luxury travel perks and top-tier rewards.
Final Thoughts: Pick the Right Travel Credit Card
Selecting a credit card with zero forex markup can save you thousands in foreign transaction fees while providing added travel benefits like lounge access, travel insurance, and hotel discounts. If you frequently travel abroad, choosing one of these top six credit cards will help you make the most of your international trips without unnecessary charges.
