International travel

Using an Indian credit card in Thailand

  • THB · Thai baht
  • Facts checked
See 0% forex cards How DCC works

Thailand's currency is the Thai baht (THB). When a card machine or ATM offers INR or THB, choose THB: the rupee option is dynamic currency conversion, where the merchant sets the exchange rate and may add a markup. Paying in baht leaves the conversion to your card, so your card's forex markup decides the cost. Cards with a verified 0% markup are listed below.

Pay in baht, not rupees

If the screen offers INR or THB, choose THB to decline dynamic currency conversion. Declining does not stop the payment or the withdrawal. Your card then converts the amount itself, and on a 0% forex card it adds no markup.

How dynamic currency conversion works →

Cash and ATM fees

Thai banks charge a fee per withdrawal on cards issued abroad, and the fee can depend on the card network. Krungsri's fee schedule effective 11 March 2026 lists THB 350 per withdrawal for a foreign-issued Mastercard and THB 250 for a foreign-issued Visa card. Other Thai banks publish their own schedules.

That ATM fee is separate from your own card's charges. Withdrawing cash on a credit card is a cash advance, which carries the card's cash-advance fee and finance charges. Each card page lists them where the issuer publishes them.

Where forex markup applies

Forex markup applies to anything charged in a foreign currency: hotels, restaurants, shops and taxis paid by card in Thailand, and online bookings billed in baht. A 2% to 3.5% markup on a ₹1 lakh trip is ₹2,000 to ₹3,500 before any rewards.

Forex card or credit card?

In India a forex card usually means a prepaid travel card that you load with currency before you travel. A multicurrency card can hold a baht wallet; spending baht from a card that holds only US dollars converts from the dollar wallet and can carry a cross-currency fee. The cards listed on this page are credit cards with a verified 0% forex markup, not prepaid forex cards.

What is a forex card? →

18 verified 0% forex cards in current Money Matters data

The same list appears on every destination page and on the 0% forex card list, and it updates with each data release.

Cards with 0% forex markup

18 cards

Verified 0% forex markup, lowest annual fee first. Card facts come from the current Money Matters data release. This list applies to any foreign-currency spending; it is not specific to Thailand.

Show 11 more
Compare close options

See every 0% forex card

Zero forex versus broader travel value

A 0% card saves the markup; a card that charges forex can give some of it back through rewards and lounge access. On ₹3,00,000 of foreign spending a year, a 2% markup costs ₹6,000.

  • Federal Bank Scapia Credit Card Forex cost: ₹0 Rewards abroad: None Main catch: No international rewards
  • ixigo AU Credit Card Forex cost: ₹0 Rewards abroad: Earns points; dependable rupee value unresolved Main catch: Fee eligibility and point value are uncertain
  • HDFC Regalia Gold Credit Card Forex cost: ₹6,000 Rewards abroad: Multiple issuer-published redemption routes; value depends on eligible spend and the selected route Main catch: 2% forex and reward value depends on redemption context
  • HDFC Infinia Credit Card Forex cost: ₹6,000 Rewards abroad: Earns points; value depends on the selected redemption route Main catch: 2% forex, a high annual fee and path-dependent reward value

Compare these four in full

Fees and rules change. Check the currency and the amount on the screen before you confirm, and your card's current charges on its card page.

Common questions

FAQ
Should I pay in rupees or baht in Thailand?
Pay in baht. The rupee option is dynamic currency conversion, where the merchant sets the rate and may add a markup. Paying in baht lets your card convert the amount; on a 0% forex card there is no markup on that conversion.
How much do Thai ATMs charge an Indian card?
It depends on the bank and the card network. Krungsri's schedule effective 11 March 2026 lists THB 350 per withdrawal for a foreign-issued Mastercard and THB 250 for a foreign-issued Visa card. Your card's own cash-advance fee and finance charges apply on top.
Does a 0% forex card remove every charge in Thailand?
No. It removes your card's markup on spending in baht. ATM operator fees, your card's cash-advance charges, and any markup you accept through dynamic currency conversion are separate.

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