Money Matters

What is forex markup on credit cards?

Forex markup is the percentage your card issuer charges on international transactions, on top of the exchange rate. A 0% card means no extra charge. A 3.5% card adds ₹3.50 per ₹100 spent abroad. This page shows real cards grouped by their published rate so you can see the difference in practice.

Always confirm the current markup on your issuer's website before applying — rates and fee structures can change.

How this page is organised

Three markup bands

Cards are split into three bands: low markup (0–1%), typical mid-range (~2%), and higher markup (3%+). Only cards with verified forex data appear. The groupings use the same verified catalog as individual card pages — nothing is estimated or ranked editorially.

Best for international spend (low forex)

5 cards

Typical mid-tier forex markup (contrast band)

5 cards

Higher forex markup (contrast band)

5 cards
Other options

Context

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How cards are selected
  • Cards are grouped by their published forex markup — low (0–1%), mid-range (~2%), and higher (3%+). Only cards with verified markup data are included. Cards without confirmed forex data are excluded, not penalised.
Related pages
grouped by published forex percent, same data as card pages, three bands