HDFC Bank

HDFC Bank credit cards by forex markup, lowest first

The foreign currency markup on 32 credit cards, lowest first. Each figure is the bank's own, linked to the document it came from.

Updated 19 Oct 2026. Every figure is from the bank’s own document; open Proof to see the bank’s words.

HDFC Bank Diners Club Black Metal Edition Credit Card
- 2%
Annual fee Joining fee ₹10,000 plus applicable taxes; renewal fee ₹10,000 plus applicable taxes
HDFC Bank Regalia Gold Credit Card
- 2%
  2% on all foreign currency spends
Annual fee Joining fee ₹2500 plus applicable taxes; renewal fee ₹2500 plus applicable taxes
Infinia Metal Credit Card
- 2%
  2% on all foreign currency transactions
Annual fee ₹12,500 + GST
Tata Neu Infinity HDFC Bank Credit Card
- 2%
  2% FCY mark-up
Annual fee ₹1,499 + GST
Credit Card Against FD
- 3.5%
  3.5% cross currency mark-up
Diners Club Premium Credit Card
- 3.5%
  3.50% of transaction value
Annual fee ₹2,500 + GST
Diners Club Privilege Credit Card
- 3.5%
  3.5% on all foreign currency spends
Annual fee ₹1,000 + GST
Doctors Regalia Credit Card
- 3.5%
  3.50% of transaction value
Annual fee ₹2,500 + GST
Doctors Superia Credit Card
- 3.5%
  3.50% of transaction value
Annual fee ₹1,000
Flipkart Wholesale HDFC Bank Credit Card
- 3.5%
  3.5% of the transaction amount
Annual fee ₹499 + GST
Freedom Credit Card
- 3.5%
  3.5% markup fee on international / cross currency transactions
Annual fee ₹500 + GST
HDFC Bank Millennia Credit Card
- 3.5%
  3.50% of transaction value
Annual fee ₹1,000 + GST
HDFC Bank UPI RuPay Credit Card
- 3.5%
  3.50% of transaction value
Annual fee ₹99 + GST
IndianOil HDFC Bank Credit Card
- 3.5%
  3.5% mark-up fee on all international / cross currency transactions
Annual fee ₹500
IRCTC HDFC Bank Credit Card
- 3.5%
  3.50% of transaction value
Annual fee ₹500 + GST
Marriott Bonvoy HDFC Bank Credit Card
- Foreign currency transaction fee of 3.5% of transaction value
Annual fee ₹3,000 + GST
MoneyBack+ Credit Card
- 3.5%
  3.50% of transaction value
Annual fee ₹500 + GST
Paytm Credit Card
- 3.5%
  3.50% of transaction value
Annual fee ₹500 + GST
Paytm Digital Credit Card
- 3.5%
  3.50% of transaction value
Annual fee ₹149 + GST
Paytm Mobile Credit Card
- 3.5%
  3.5% cross currency mark-up
Annual fee ₹149 + GST
Paytm Select Credit Card
- 3.5%
  3.50% of transaction value
Annual fee ₹1,000 + GST
PhonePe HDFC Bank Ultimo Credit Card
- 3.5%
  3.5% of the transaction value
Annual fee ₹999 + GST
PhonePe HDFC Bank Uno Credit Card
- 3.5%
  3.5% of the transaction value
Annual fee ₹499 + GST
Pine Labs HDFC Bank Pro Credit Card
- 3.5%
  3.50% of transaction value
Annual fee ₹1,000
PIXEL Go Credit Card
- 3.5%
Annual fee ₹250 + GST
PIXEL Play Credit Card
- 3.5%
  3.5% foreign transaction fee on all international purchases
Annual fee ₹500 + GST
Regalia Activ Credit Card
- 3.5%
  3.50% of transaction value
Regalia First Credit Card
- 3.5%
  3.50% of transaction value
Annual fee ₹1,000 + GST
Shoppers Stop Black Credit Card
- 3.5%
  3.5% markup fee
Annual fee ₹4,500 + GST
Swiggy HDFC Bank Credit Card
- 3.5%
  3.50% of transaction value
Annual fee Renewal fee ₹500 plus applicable taxes
Swiggy Ornge HDFC Bank Credit Card
- 3.5%
  3.50% of transaction value
Annual fee ₹500
Tata Neu Plus HDFC Bank Credit Card
- 3.5%
  3.5% of the transaction value
Annual fee ₹499 + GST