Intent shortlist

Low Forex Credit Cards in India

Why our rankings are different

Trust is part of the result.

Selection methodology is based on issuer-backed data, source confidence, and verified fields. Cards with missing or low-confidence data may stay out of a shortlist.

  • Uses issuer-backed evidence where it is published.
  • Does not invent unpublished values.
  • Leaves cards unranked when evidence is insufficient.
Why a card stays off a shortlist →

Cards with low forex markup

20 shortlisted

Selector shortlist: finite published forex markup of 1.5% or lower, sorted from lowest markup upward.

  • Axis Bank Burgundy Private 0% forex markup · Annual fee ₹50,000 · Forex 0% · Unlimited lounge access
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  • Axis Bank Primus 0% forex markup · Annual fee ₹3,00,000 · Forex 0% · Unlimited lounge access
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  • BOBCARD Uni GoldX 0% forex markup · Annual fee ₹0 · Forex 0% · No complimentary lounge access
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  • IDFC FIRST Bank Mayura 0% forex markup · Annual fee ₹5,999 · Forex 0% · 4 domestic + 4 international lounge visits/quarter
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  • IDFC FIRST Bank Private 0% forex markup · Annual fee ₹50,000 · Forex 0% · Unlimited lounge access
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  • IDFC FIRST Bank Swyp 0% forex markup · Annual fee ₹499 · Forex 0% · 16 railway lounge visits per year (max 4/quarter) · No airport lounge access
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Show 13 more
  • RBL Bank World Safari 0% forex markup · Annual fee ₹3,000 · Forex 0% · 2 domestic + 1 international lounge visits/quarter
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  • Federal Bank Scapia 0% forex markup · Annual fee ₹0 · Forex 0% · Unlimited lounge access
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  • YES Bank Uni GoldX 0% forex markup · Annual fee ₹0 · Forex 0% · No complimentary lounge access
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  • AU Small Finance Bank Zenith+ 0.99% forex markup · Annual fee ₹4,999 · Forex 0.99% · 2 domestic + 2 international lounge visits/quarter
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  • HSBC India Premier 0.99% forex markup · Annual fee ₹20,000 · Forex 0.99% · 6 per quarter domestic + 2 per year international
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  • ICICI Bank MakeMyTrip 0.99% forex markup · Annual fee ₹999 · Forex 0.99% · 2 per quarter domestic + 1 per year international
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  • IDFC FIRST Bank Ashva Metal 1% forex markup · Annual fee ₹2,999 · Forex 1% · 4 domestic + 2 international lounge visits/quarter
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  • YES Bank Marquee 1% forex markup · Annual fee ₹4,999 · Forex 1% · 6 per quarter domestic + Unlimited international
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  • ICICI Bank Times Black 1.49% forex markup · Annual fee ₹20,000 · Forex 1.49% · Unlimited lounge access
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  • IDFC FIRST Bank IndiGo 1.49% forex markup · Annual fee ₹4,999 · Forex 1.49% · No complimentary lounge access
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  • Axis Bank Reserve 1.5% forex markup · Annual fee ₹50,000 · Forex 1.5% · Unlimited lounge access
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  • IDFC FIRST Bank Wealth 1.5% forex markup · Annual fee ₹0 · Forex 1.5% · 1 domestic + 1 international lounge visits/quarter
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  • IndusInd Bank Avios Visa Infinite 1.5% forex markup · Annual fee ₹5,000 · Forex 1.5% · 2 domestic + 2 international lounge visits/quarter
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Next steps

Support lanes
How we picked these cards

This page includes cards with a finite published forex markup of 1.5% or lower, sorted from lowest markup upward before the shortlist is capped.

What to verify on each card
  • Exact forex markup % and whether GST applies on top
  • Annual fee and any spend-based waiver
  • Reward rate on international category spend
  • Then open a pairwise compare for close alternatives

If you spend internationally, forex markup is one of the most expensive hidden costs. A “low forex” card is one where the forex percentage is meaningfully below typical rates.

Use this page to find cards with lower forex markup, then open each card page to verify the fee tier and whether the rewards structure still makes sense for your usage.

What forex markup means

International charges

Forex markup is a percentage added to international transactions. Even a 1–2% difference compounds quickly on flights, hotels, subscriptions, or on-trip foreign currency spend — so don’t pick forex in isolation. Also check annual fees and the base rewards rate before deciding.