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Low Forex Credit Cards in India

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.

Cards with low forex markup

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Next steps

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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