Zero forex mark-up credit cards are essential for frequent international travellers and users who often make foreign currency transactions online. These cards help you save significantly by eliminating or reducing foreign exchange conversion charges, which usually range between three and four percent on regular credit cards.
Apart from savings on overseas spends, many zero forex mark-up cards also offer travel-focused benefits such as accelerated reward points, airport lounge access, flight and hotel discounts, and reward-to-miles conversions. To help you choose the right option, here is a curated list of the best zero forex mark-up credit cards in India that deliver strong value.
Top Zero Forex Mark-up Credit Cards in India
Below are the leading credit cards that offer zero or low forex mark-up fees along with attractive travel and lifestyle benefits.
Apply for a Credit Card & Get Instant Approval
- Forex Mark-up Fee: Nil
- Annual Fee: Nil
Key Features and Benefits
- Minimum fixed deposit requirement
- Credit limit up to one hundred percent of FD value
- Reward points on every card spend
- Reward points redeemable for cashback
- Lifetime free secured credit card
This card is ideal for new-to-credit users and those looking to build a credit score. While rewards are basic, the zero forex mark-up makes it useful for international purchases without additional charges.
- Forex Mark-up Fee: Nil
- Annual Fee: Nil
Key Features and Benefits
- High Scapia coins on travel bookings via Scapia app
- Reward coins on all other spends
- Complimentary domestic airport lounge access on monthly spend milestones
- Airport shopping discounts
- Rewards on RuPay UPI spends
Designed for frequent travellers, this co-branded card reduces international transaction costs while offering airport benefits and travel rewards that enhance overall savings.
- Forex Mark-up Fee: Nil
- Annual Fee: Nil
Key Features and Benefits
- Direct discounts on flights, hotels, and bus bookings via ixigo
- Waiver on payment gateway charges for train bookings
- Reward points on online and offline spends
- Complimentary airport and railway lounge access
This card suits users who prefer booking travel via ixigo and want direct discounts instead of complex reward redemptions, along with zero forex charges.
- Forex Mark-up Fee: Nil
- Annual Fee: Applicable
Key Features and Benefits
- Accelerated reward points on travel and retail purchases
- Milestone-based bonus reward points
- Voucher benefits on higher annual spends
- Domestic and international airport lounge access
This card is suitable for travellers who can meet annual spending milestones and maximise rewards and vouchers for long-term value.
- Forex Mark-up Fee: Nil
- Annual Fee: Nil
Key Features and Benefits
- High reward points on monthly and incremental spends
- Accelerated rewards on flights and hotels booked via bank platform
- High reward redemption value for travel
- Extensive domestic, international, and railway lounge access
- Travel insurance and cancellation cover
- Lifestyle benefits including movies and golf
This is an all-rounder premium travel card offering strong value through rewards, lounge access, and lifestyle privileges without forex charges.
Apply for a Credit Card & Get Instant Approval
- Forex Mark-up Fee: Low
- Annual Fee: Nil
Key Features and Benefits
- Reward points on retail spends
- Quarterly milestone bonus reward points
- Domestic and railway lounge access on spend criteria
This secured card offers lower forex charges than most entry-level cards and is suitable for users looking for a low-cost international spending option.
- Forex Mark-up Fee: Low
- Annual Fee: Applicable
Key Features and Benefits
- Cashback in the form of myCash on travel bookings
- Rewards on non-travel spends
- Complimentary airport lounge access
- Movie ticket offers
- Tier upgrades under MakeMyTrip loyalty program
A good option for MakeMyTrip loyalists who want consistent travel savings and reduced forex charges.
- Forex Mark-up Fee: Low
- Annual Fee: Premium
Key Features and Benefits
- Reward points on travel, dining, and international spends
- Extensive domestic and international lounge access
- Buy one get one movie ticket offers
- Airport concierge and meet-and-assist services
- Milestone reward bonuses
This card suits users looking for luxury travel experiences along with manageable forex charges.
- Forex Mark-up Fee: Low
- Annual Fee: Applicable
Key Features and Benefits
- Accelerated rewards on monthly and incremental spends
- High bonus rewards on travel bookings via bank platform
- Domestic, international, and railway lounge access
- Movie ticket discounts
A strong choice for travellers who want reward-driven travel savings with reduced forex costs.
- Forex Mark-up Fee: Low
- Annual Fee: Premium
Key Features and Benefits
- High reward rate on online and offline spends
- Complimentary domestic and unlimited international lounge access
- Guest lounge access
- Entertainment benefits on movie bookings
This card works well for high spenders who want lifestyle, travel, and shopping benefits along with reduced foreign exchange costs.
Other Credit Cards with Low Forex Mark-up Fees
- AmpliFi Fi Federal Credit Card
- Axis Bank Burgundy Private Credit Card
- YES Bank Private Credit Card
- HSBC Premier Credit Card