Best forex card rates from BookMyForex, ICICI, HDFC, Axis, Niyo Global and Wise. Home delivery in 24 hours across Indian metros.
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Using your regular Indian debit card abroad costs 3-3.5% in forex markup on every swipe, plus ₹100-300 cross-currency fees per transaction, plus ₹200-500 per ATM withdrawal. The 2026 alternatives — zero-markup credit cards, prepaid forex cards, and digital fintech accounts — save ₹3,000-₹5,000 per ₹1 lakh of foreign spend. FlightGPT helps you compare BookMyForex, Niyo Global, Scapia, IDFC FIRST Wealth, HDFC Multicurrency, Wise, and other forex products.
Most casual travellers (1-2 trips/year): Scapia Federal Bank Credit Card — lifetime free, 0% forex markup, 20% Scapia Coins on travel, unlimited domestic lounge access. Students abroad: Niyo Global on DCB/SBM Bank (free unlimited ATM withdrawals worldwide). Frequent international flyers: IDFC FIRST Wealth (0% markup + international lounge access + rewards on foreign spend). Our complete forex card comparison covers all 10 options.
Eight Indian credit cards in 2026 charge 0% forex markup: Scapia Federal Bank, IDFC FIRST Wealth, IDFC FIRST WOW (FD-secured for thin-credit-file users), RBL World Safari, HSBC Premier, Federal Bank Wealth Plus, AU LIT, and IndusInd Vistara Explorer. Detailed comparison in our zero forex markup credit cards guide.
Important update for existing Niyo users: the Niyo-Equitas partnership ended and the zero forex markup benefit on Equitas-issued Niyo cards has been discontinued. Existing Equitas-Niyo users are now charged 1.5-3.5% markup. Niyo has migrated the zero-markup product to DCB Bank India and SBM Bank India partners. Read our Niyo Global update guide for migration steps.
Loading a forex card or making a wire transfer abroad counts toward the LRS ₹10 lakh annual threshold; above this, 20% TCS applies (reduced rates for education and medical). Credit card foreign spends currently do NOT count toward LRS. Read our TCS on forex 2026 guide for planning around the threshold.