Credit Cards With Low Foreign Transaction Fees

Credit Cards With Low Foreign Transaction Fees – Diwali Travel: Low-Forex Marks Credit Cards Low-cost forex credit cards come with travel benefits like free lounge access, hotel memberships and other travel benefits. Additional benefits.

If you are traveling abroad with friends or family during Diwali, a credit card is one of the most convenient ways to pay. However, most credit cards charge a high forex markup fee for foreign currency payments, which can be as high as 3.5% of the transaction amount. To help card users save on international costs, some issuers offer credit cards with lower forex markup fees. Such cards may also come with travel benefits such as complimentary lounge access, hotel memberships and additional perks. Paisabazaar has revealed five credit cards that offer low forex ticks and save you money on international travel.

Credit Cards With Low Foreign Transaction Fees

Image Source: YES Bank | YES FIRST proprietary credit card that charges a 1.75 percent forex markup on international transactions. Cardholders receive access to six international airport lounges without Priority Pass membership and three domestic lounge times per quarter for Core and Complementary Cardholders. It offers six bonus points for every Rs 200 spent on selected shopping categories and 12 bonus points for every Rs 200 spent on other categories. Customers get 25,000 bonus points for spending 20 GEL per year. The annual fee is 999 rubles.

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Image Source: IndusInd Bank | IndusInd Legend Credit Card charges 1.8% forex markup fee on international transactions. Cardholders get free stay in the country at Oberoi Hotel and various coupons for Amazon, Flipkart, Big Bazaar, Uber etc. It offers a free $198 Priority Card membership annually and EazyDiner Prime membership to cardholders. Customers get 4000 bonus points for spending 6 lakhs or more in a year. There is a one-time joining fee of Rs 9,999, after which there is no annual fee for this card.

Image Source: SBI Card | The SBI Elite Credit Card charges a 1.99 percent forex markup fee on international transactions. Cardholders receive complimentary Trident Privilege membership and Vistara Club membership. It offers six complimentary international airport lounge access and two complimentary domestic lounge access and other benefits. It also offers free membership in the $99 annual Preferred Card program. Cardholders get 10,000 bonus points for spending Rs 3 lakh or more in a year. The annual fee for this card is 4999 rubles.

Image Source: IDFC First Bank | IDFC First Select Credit Card charges 1.99 percent Forex markup fee on international transactions. Cardholders receive quarterly access to four free domestic airport lounges and four domestic rail lounges. It offers 10x bonus points on spending above 20,000 GEL. You can redeem your accumulated rewards for travel incentives. The annual fee for this card is zero.

Image Source: HDFC Bank | HDFC Diners Club Black Credit Card charges 2 percent forex markup on international transactions. Cardholders enjoy annual membership to Club Marriott, Forbes, Amazon Prime, MakeMyTrip BLACK and Times Prime. Cardholders also get unlimited access to airport lounges in India and worldwide for both primary and additional customers. It offers up to 10x bonus points on spending through SmartBuy and double that on weekend dining. Cardholders get five bonus points for every 150 GEL spent. The annual fee is 10,000 rubles.

Advantages Of A Credit Card

Take a disciplined approach to your credit behavior. Once you get your credit card, it’s important to use it wisely and responsibly. Because credit cards have significant interest-free periods, there may be a tendency to overspend at partner hotels or resorts when traveling abroad and shopping at merchants. Banks mark up currency when you make payments in foreign currency, so spend wisely. If you spend more than you can afford and don’t pay your credit card bill on time, you’ll be charged high interest rates of 28 to 49 percent per year, along with late fees.

Paisabazaar has compiled a shortlist of credit cards based on benefits and charging low forex fees. All credit card information received and updated as of September 29, 2022. We’ve ranked these credit cards by lowest forex markup fees.

Hiral Thanawala is a personal finance journalist with 9 years of reporting experience. Based in Mumbai, he leads the financial planning, banking and fintech personal finance team towards .Money’s mission to help you maximize your financial potential. Our recommendations are based on independent research and analysis by our editors, and we’re constantly updating our content to reflect our partners’ current offerings. How we rate credit cards

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Cynthia Paez Bowman is an international business, real estate and finance journalist. In addition to, his work has been featured on Business Jet Traveler, MSN,,, and She owns and operates a small digital marketing and PR firm that works with a number of startups and women-owned businesses to provide growth and visibility. Cynthia splits her time between Los Angeles and San Sebastian, Spain. She regularly travels to Africa and the Middle East to consult with women’s NGOs on small business development.

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Credit cards are mandatory when traveling internationally. Not only does this save you from constantly switching cash to another country’s bank, but the right credit card can save you a lot of money on foreign transaction fees.

Foreign transaction fees are added to your credit card transactions when you are outside the United States. They are charged a currency conversion fee

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