Lists
Forex markup on every card, lowest first
The foreign currency markup on 259 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.
DBS Vantage Card
DBS Bank India
0%
Annual fee From the second year onwards: DBS Treasures Elite customers Rs. 10,000; DBS Treasures customers Rs. 20,000; Any other segment/NTB customer Rs. 50,000
Ashva Credit Card
IDFC FIRST Bank
0%
Annual fee The Ashva Credit Card comes with a Joining Fee of ₹2,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹2,999 + GST.
LIC Select Credit Card
IDFC FIRST Bank
0%
Annual fee There is absolutely no Joining/ Membership/ Annual fee applicable on LIC IDFC FIRST Bank Credit Cards. Your card is free for life.
Mayura Credit Card
IDFC FIRST Bank
0%
Annual fee The Mayura Credit Card comes with a Joining Fee of ₹5,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹5,999 + GST. The Joining Fee will be levied on credit card application approval.
IndusInd Bank PIONEER Private Credit Card
IndusInd Bank
0%
0% foreign currency mark-up on all transactions
Annual fee Annual maintenance fee of Rs 25K, waived upon spending Rs 10L or more in the previous year; Rs 50k to be charged if the client is downgraded from PIONEER Private status
Kotak Solitaire Credit Card
Kotak Mahindra Bank
0%
Zero forex mark-up on all international transactions
Annual fee ₹0
Axis Bank Magnus Credit Card
Axis Bank
2%
Annual fee Annual fee ₹12,500 + Taxes; waived off on spend of ₹25 Lakhs in preceding year
Eterna
BOBCARD
2%
Annual fee Annual fee ₹2,499, waived on ₹2,50,000 spend in the preceding card anniversary year from the second year onwards. W.e.f. 1st September 2026, ₹0 joining/first-year fee (limited period offer)
HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank
2%
Annual fee Joining fee ₹10,000 plus applicable taxes; renewal fee ₹10,000 plus applicable taxes
HDFC Bank Regalia Gold Credit Card
HDFC Bank
2%
2% on all foreign currency spends
Annual fee Joining fee ₹2500 plus applicable taxes; renewal fee ₹2500 plus applicable taxes
IndiGo Axis Bank Premium Credit Card
Axis Bank
2.5%
2.50% of Transaction value on International Transactions
Annual fee ₹5,000
DCB novio Credit Card
DCB Bank
Cross currency markup of 2.5% of the transaction value on foreign currency transactions
Annual fee ₹0
Suryoday SFB RuPay Platinum Credit Card
Suryoday Small Finance Bank
2.5%
2.50% for transactions not in Indian Rupees + GST
Annual fee ₹150 + GST
Suryoday SFB RuPay Select Credit Card
Suryoday Small Finance Bank
2.5%
2.50% for transactions not in Indian Rupees + GST
Annual fee ₹150 + GST
Utkarsh Eternal Credit Card
Utkarsh Small Finance Bank
3%
3% of the value of the foreign currency transaction after conversion to Indian Rupees
Annual fee ₹1,999
Utkarsh Small Finance Bank Rhodium Card
Utkarsh Small Finance Bank
3%
3% of the value of the foreign currency transaction
Annual fee ₹4,999
Utkarsh SmartGen Credit Card
Utkarsh Small Finance Bank
3%
3% of the value of the foreign currency transaction after conversion to Indian Rupees
Annual fee ₹199 + GST
Zenith Credit Card
AU Small Finance Bank
3.49%
3.49% from 1 October 2026 (was 1.99%)
Annual fee ₹7,999 + GST
IndiGo Axis Bank Credit Card
Axis Bank
3.5%
3.50% of Transaction value on International Transactions
Annual fee ₹NIL (Limited period offer)
Pride Platinum Credit Card
Axis Bank
3.5%
3.50% of the transaction value
Annual fee 1st Year: Nil; 2nd Year onwards: ₹250
SGI Exclusive CUB CSK/SRH Credit Cards
City Union Bank
3.5%
3.5% of transaction amount
Annual fee From the 2nd year onwards: RuPay Platinum ₹500 + GST (waived on spends of ₹2L); Master Platinum ₹1000 + GST (waived on spends of ₹3L); Master World ₹4000 + GST (waived on spends of ₹5L)
DBS Spark Credit Card
DBS Bank India
Foreign Currency Transaction (Forex markup): 3.5% of transaction amount.
Annual fee ₹499
PayLess Platinum Credit Card
DCB Bank
3.5%
3.5% of the transaction value (and tax as applicable)
Annual fee ₹350
Diners Club Privilege Credit Card
HDFC Bank
3.5%
3.5% on all foreign currency spends
Annual fee ₹1,000 + GST
Flipkart Wholesale HDFC Bank Credit Card
HDFC Bank
3.5%
3.5% of the transaction amount
Annual fee ₹499 + GST
Freedom Credit Card
HDFC Bank
3.5%
3.5% markup fee on international / cross currency transactions
Annual fee ₹500 + GST
IndianOil HDFC Bank Credit Card
HDFC Bank
3.5%
3.5% mark-up fee on all international / cross currency transactions
Annual fee ₹500
Marriott Bonvoy HDFC Bank Credit Card
HDFC Bank
Foreign currency transaction fee of 3.5% of transaction value
Annual fee ₹3,000 + GST
PIXEL Play Credit Card
HDFC Bank
3.5%
3.5% foreign transaction fee on all international purchases
Annual fee ₹500 + GST
Swiggy HDFC Bank Credit Card
HDFC Bank
3.5%
3.50% of transaction value
Annual fee Renewal fee ₹500 plus applicable taxes
HSBC Taj Credit Card
HSBC India
3.5%
3.5% (waived off for India’s executive banking clients)
Annual fee There is also an annual fee INR1,10,000, which is paid annually once you've had the card for 12 months.
PNB Patanjali Rupay Select Card
Punjab National Bank
3.5%
3.50% markup over and above the currency conversion rate
Annual fee ₹750
PNB Rupay Millennial Card
Punjab National Bank
3.5%
3.50% markup over and above the currency conversion rate
Annual fee ₹999
PNB SALARY RuPay Platinum Card
Punjab National Bank
3.5%
3.50% markup over and above the currency conversion rate
Annual fee ₹0
PNB SALARY RuPay Select Credit Card
Punjab National Bank
3.5%
3.50% markup over and above the currency conversion rate
Annual fee ₹0
PNB VISA Classic Card
Punjab National Bank
3.5%
3.50% markup over and above the currency conversion rate
Annual fee ₹0
PNB VISA Gold Card
Punjab National Bank
3.5%
3.50% markup over and above the currency conversion rate
Annual fee ₹300
PNB VISA Platinum Card
Punjab National Bank
3.5%
3.50% markup over and above the currency conversion rate
Annual fee ₹500
PNB VISA Signature Card
Punjab National Bank
3.5%
3.50% markup over and above the currency conversion rate
Annual fee ₹2,000
PNB Zaggle Co-Branded Twin Credit Card
Punjab National Bank
3.5%
3.50% markup over and above the currency conversion rate
Annual fee ₹499
Virtual Only Credit Card
Punjab National Bank
3.5%
3.50% markup over and above the currency conversion rate
DigiSmart Credit Card
Standard Chartered India
All overseas transactions are levied with a 3.5% transaction fee
Annual fee ₹49
EaseMyTrip Credit Card
Standard Chartered India
All overseas transactions are levied with a 3.5% transaction fee
Annual fee ₹350 + GST
Manhattan Credit Card
Standard Chartered India
All overseas transactions are levied with a 3.5% transaction fee
Annual fee ₹999 + GST
Priority Visa Infinite Credit Card
Standard Chartered India
All overseas transactions are levied with a 3.5% transaction fee
Annual fee Renewal Fee (2nd Year Onwards) - INR 0
Smart Credit Card
Standard Chartered India
All overseas transactions are levied with a 3.5% transaction fee
Annual fee ₹499 + GST
Super Value Titanium Credit Card
Standard Chartered India
All overseas transactions are levied with a 3.5% transaction fee
Annual fee ₹750
Roarbank Credit Card
Unity Small Finance Bank
Foreign currency transaction fee: 3.50% of the transaction amount
Annual fee ₹0
Unity Bank BharatPe Credit Card
Unity Small Finance Bank
3.5%
3.5% of the transaction amount (Foreign Currency Markup Fee)
Annual fee ₹0
YES BANK Paisabazaar PaisaSave Credit Card
YES Bank
3.5%
3.50% effective 15 June 2026
Annual fee ₹499 + GST
YES BANK Paisabazaar PaisaSave RuPay Credit Card
YES Bank
3.5%
3.50% effective 15 June 2026
Annual fee ₹0
