{"id":6770,"date":"2025-11-30T20:55:35","date_gmt":"2025-11-30T15:25:35","guid":{"rendered":"https:\/\/1finance.co.in\/1f-dashboard\/?post_type=blog&#038;p=6770"},"modified":"2026-04-16T15:40:55","modified_gmt":"2026-04-16T10:10:55","slug":"best-zero-forex-markup-credit-card-india-complete-list","status":"publish","type":"blog","link":"https:\/\/1finance.co.in\/1f-dashboard\/blog\/best-zero-forex-markup-credit-card-india-complete-list\/","title":{"rendered":"A complete list of zero forex markup credit cards in India in 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Looking to travel abroad or shop online from international stores without worrying about hefty forex charges? If so, choosing the right credit card can make a big difference in your expenses. In India, there are several credit cards that offer zero foreign exchange (forex) markup fees, meaning you won\u2019t be charged extra for transactions made in foreign currencies. These cards can help you save on foreign exchange costs easily. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this article, we\u2019ll explore a comprehensive list of zero forex credit cards in India in 2026, explaining their key features, benefits, and how they can help you make the most of your international spending. So, let\u2019s get started!<\/span><\/p>\n<h2>What is a zero forex markup credit card?<\/h2>\n<p><span style=\"font-weight: 400;\">A Zero Forex Markup Credit Card is a kind of card that helps you save money when you buy things in other countries or from foreign websites.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"> Normally, when you use a regular <a href=\"https:\/\/1finance.co.in\/product-scoring\/credit-card\" target=\"_blank\" rel=\"noopener\">credit card<\/a> to pay for something in a foreign currency, the bank adds an extra fee called the forex markup. This fee is usually between 2% to 5% of the total transaction amount and is charged on top of the currency exchange rate.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, a zero forex markup credit card does not charge this extra fee. When you use this card, you only pay the real exchange rate used by your card network (like Visa or Mastercard) to convert the foreign currency into your home currency. So, with a zero forex markup card, you avoid the additional 2% to 4% fee charged by most banks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For instance, If you buy something that costs $100 USD:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Regular credit card: You pay \u20b91000 \u00d7 89 (rate) + \u20b9356 + 64.08 (forex charges @ 4% + 18% GST on fee) = \u20b99,676.08<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zero forex card: You pay \u20b9100 \u00d7 89 (rate) only = \u20b98,900<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You save \u20b9776 on this purchase!\u00a0<\/span><\/p>\n<h2>Here&#8217;s the list of all zero forex credit cards in 2026!<\/h2>\n<h2>IDFC FIRST Mayura<\/h2>\n<p><span style=\"font-weight: 400;\">The IDFC FIRST Mayura Credit Card is a premium metal credit card offering zero forex markup charges on all international transactions.\u00a0<\/span><\/p>\n<p><b>Joining fee: <span style=\"font-weight: 400;\">\u20b95,999 plus GST each.<\/span><br \/>Annual fee:<\/b><span style=\"font-weight: 400;\"> \u20b95,999 plus GST each.<\/span><\/p>\n<p><b>Reward points:<\/b><span style=\"font-weight: 400;\"> 1 reward point on every \u20b9150 spent. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you spend above \u20b920,000 in a monthly statement cycle you get 10x reward points whereas you get 5 reward points if you spend up to \u20b920,000.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Moreover, you can get 50X rewards on Travel bookings for hotels via IDFC FIRST Bank mobile app and 30X reward points on Travel bookings for flights via IDFC FIRST Bank mobile app.\u00a0<\/span><\/p>\n<p><b>Reward redemption:<\/b><span style=\"font-weight: 400;\"> For every reward point you can get \u20b90.25.\u00a0 You can also get \u20b90.50 per point if you redeem them for hotel and flight bookings through the \u201cTravel and Shop\u201d section of the IDFC FIRST Bank mobile app.<\/span><\/p>\n<p><b>Lounge access: <\/b><span style=\"font-weight: 400;\">IDFC FIRST Mayura provides 4 complimentary domestic airport lounge visits every quarter (three months) where you can bring 1 guest, and 4 complimentary international lounge visits every quarter.\u00a0<\/span><\/p>\n<p><b>Interest charges:<\/b><span style=\"font-weight: 400;\"> The finance charge on the card can go up to 47.88% annually.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The card also offers interest-free global ATM cash withdrawals for up to 45 days with a \u20b9199 plus GST transaction fee per withdrawal.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Federal Bank Scapia Credit Card\u200b\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Federal Bank <a href=\"https:\/\/1finance.co.in\/blog\/scapia-federal-credit-card-review-travel\/\" target=\"_blank\" rel=\"noopener\">Scapia Credit Card<\/a> with zero forex markup charges designed primarily for frequent travellers.\u00a0<\/span><\/p>\n<p><b>Joining and annual fee:<\/b><span style=\"font-weight: 400;\"> This card has no joining fee and no annual fee, making it completely free to use throughout its validity.<\/span><\/p>\n<p><b>Reward points:<\/b><span style=\"font-weight: 400;\"> The Federal Scapia card operates on a Scapia Coins system rather than traditional reward points. You earn 10% rewards on all your eligible online and offline spending if you have a Federal Scapia Visa card and 5% if you spend above \u20b9500 if you have a Rupay card.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, if you make travel bookings through the Scapia app, you earn 20% Scapia Coins.<\/span><\/p>\n<p><b>Reward redemption:<\/b><span style=\"font-weight: 400;\"> 5 Scapia Coins = \u20b91, meaning each Scapia Coin is worth \u20b90.20. These coins can only be redeemed for travel bookings (flights, hotels, and bus) made through the Scapia app.<\/span><\/p>\n<p><b>Lounge access:<\/b><span style=\"font-weight: 400;\"> With the Federal Bank Scapia Credit Card, you get unlimited domestic airport lounge access, provided you meet the monthly spending criteria\u2014spend \u20b910,000 in the billing cycle on the Visa variant or \u20b915,000 on the RuPay.\u00a0 The card does not currently offer international lounge access.\u00a0<\/span><\/p>\n<p><b>Interest charge: <\/b><span style=\"font-weight: 400;\">The finance charge on the Federal Bank Scapia Credit Card is 45% annually (3.75% per month) on unpaid balances and cash withdrawals. EMI transactions attract a lower interest rate of 16% per annum for tenures between 3\u201324 months.<\/span><\/p>\n<p><strong><a href=\"https:\/\/1finance.co.in\/talk-to-a-financial-advisor\">Thinking about a new credit card? Get expert advice to find your perfect match. Book a free consultation now.<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">RBL Bank World Safari Credit Card\u200b\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The RBL Bank World Safari Credit Card is a premium travel credit card that offers zero foreign exchange markup on all international transactions.\u00a0<\/span><\/p>\n<p><b>Joining and annual fee:<\/b><span style=\"font-weight: 400;\"> RBL Bank World Safari Credit card requires a joining fee of \u20b93,000 plus GST and an annual renewal fee of \u20b93,000 plus GST.<\/span><\/p>\n<p><b>Reward points:<\/b><span style=\"font-weight: 400;\"> The RBL World Safari earns 2 reward points for every \u20b9100 spent on domestic retail transactions and 5 reward points for every \u20b9100 spent on eligible travel purchases. International transactions do not earn reward points.\u00a0<\/span><\/p>\n<p><b>Reward redemption:<\/b><span style=\"font-weight: 400;\"> Each reward point is worth \u20b90.25 when redeemed. Additionally, you can earn 10,000 bonus reward points if you spend \u20b92.5 lakh or more annually and 15,000 bonus reward points if you spend \u20b95 lakh or more annually .\u00a0<\/span><\/p>\n<p><b>Lounge access:<\/b><span style=\"font-weight: 400;\"> RBL Bank World Safari Credit Card offers 2 complimentary domestic airport lounge visits per quarter. You will be eligible for 2 more complimentary domestic lounge visits per year if you spend \u20b9 35,000 or more in the previous calendar year.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You get 2 additional complimentary lounge visits outside India each calendar year Also you get a complimentary Priority Pass membership which gives you access to over 1,400 international lounges and. If you spend \u20b950,000 or more in a calendar quarter via RBL Bank World Safari credit card, you can earn an extra airport lounge visit.<\/span><\/p>\n<p><b>Interest charges:<\/b><span style=\"font-weight: 400;\"> The finance charge on the RBL Bank World Safari Credit Card is up to 3.99% per month, which equals 47.88% annually.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Axis Bank Burgundy Private Credit Card\u200b<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Axis Bank Burgundy Private Credit Card is an exclusive, invite-only premium credit card designed with zero forex mark-up charges on international transactions.<\/span><\/p>\n<p><b>Joining fee and annual fee:<\/b><span style=\"font-weight: 400;\"> The card is free for Burgundy Private account holders. Otherwise\u00a0 it has a joining fee of \u20b950,000 plus GST and an annual renewal fee of \u20b950,000 plus GST for non-account holders.<\/span><\/p>\n<p><b>Reward points:<\/b><span style=\"font-weight: 400;\"> The Axis Burgundy Private earns 15 Edge Reward points for every \u20b9200 spent on eligible transactions, which translates to a 1.5% reward rate. The card also provides a welcome bonus of 30,000 Edge Reward points on the first transaction.\u00a0<\/span><\/p>\n<p><b>Reward redemption:<\/b><span style=\"font-weight: 400;\"> Each Edge Reward point is worth \u20b90.20 when redeemed through the Edge Rewards portal for shopping, flight and hotel bookings, gift vouchers, or various products.\u00a0<\/span><\/p>\n<p><b>Lounge access:<\/b><span style=\"font-weight: 400;\"> With the Axis Bank Burgundy Private Credit Card, you get unlimited complimentary domestic airport lounge access, along with 12 complimentary guest visits per year at domestic lounges.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For international travel, you enjoy unlimited complimentary international lounge access if you have Priority Pass membership.\u00a0<\/span><\/p>\n<p><b>Interest charges:<\/b><span style=\"font-weight: 400;\"> The finance charge on the Axis Bank Burgundy Private Credit Card is 1.5% per month, which equals 19.56% annually on unpaid balances.<\/span><\/p>\n<p><strong><a href=\"https:\/\/1finance.co.in\/talk-to-a-financial-advisor\">Thinking about a new credit card? Get expert advice to find your perfect match. Book a free consultation now.<\/a><\/strong><\/p>\n<h2>Club Vistara IndusInd Bank Explorer Credit Card<\/h2>\n<p><span style=\"font-weight: 400;\">The Club Vistara IndusInd Bank Explorer Credit Card is a premium co-branded travel credit card offering zero forex mark up charges on international spendings.\u00a0<\/span><\/p>\n<p><b>Joining and annual fee:<\/b><span style=\"font-weight: 400;\"> This card carries a joining fee of \u20b940,000 plus GST and an annual renewal fee of \u20b910,000 plus GST.<\/span><\/p>\n<p><b>Reward points: <\/b><span style=\"font-weight: 400;\">You earn 8 Club Vistara (CV) Points per \u20b9200 spent on Vistara website and app bookings, 6 CV Points per \u20b9200 spent on hotels, airlines, and travel-related purchases, 1 CV Point per \u20b9200 on utilities, insurance, government payments, and fuel and 2 CV Points per \u20b9200 on all other spends.<\/span><\/p>\n<p><b>Reward redemption:<\/b><span style=\"font-weight: 400;\"> Each CV Point is worth approximately \u20b91 when redeemed for travel bookings on Club Vistara and partner platforms. The card also provides up to 5 complimentary Vistara Business Class ticket vouchers every year based on milestone spends (\u20b93 lakh per voucher, capped at 5 vouchers annually).<\/span><\/p>\n<p><b>Lounge access:<\/b><span style=\"font-weight: 400;\"> With the Club Vistara IndusInd Bank Explorer Credit Card, you get 1 complimentary domestic airport lounge visit every quarter. For international lounge access, you receive 4 complimentary visits per calendar quarter via complimentary Priority Pass membership, which provides access to over 1,400 premium lounges globally.<\/span><\/p>\n<p><b>Interest charges:<\/b><span style=\"font-weight: 400;\"> The finance charge on the Club Vistara IndusInd Bank Explorer Credit Card is 2.85% per month, which equals 34% annually on unpaid balances.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/personalfinanceclub.1finance.co.in\/faq\" target=\"_blank\" rel=\"noopener\">Join our Personal Finance Club of 1,000+ members. <\/a><a href=\"https:\/\/personalfinanceclub.1finance.co.in\/faq\" target=\"_blank\" rel=\"noopener\">Get your financial questions answered directly by industry experts.<\/a><\/p>\n<h2>Ixigo AU Credit Card\u200b<\/h2>\n<p><span style=\"font-weight: 400;\">The Ixigo AU Credit Card is a co-branded travel credit card that offers zero forex mark up charges.\u00a0<\/span><\/p>\n<p><b>Joining fee and annual fee: <\/b><span style=\"font-weight: 400;\">Ixigo AU credit card has zero joining and annual fee, it\u2019s a life-time free credit card.\u00a0<\/span><\/p>\n<p><b>Reward points:<\/b><span style=\"font-weight: 400;\"> Ixigo AU earns 10 reward points per \u20b9200 spent on online purchases, 5 reward points per \u20b9200 spent on offline purchases. The card also provides a welcome benefit of 1,000 reward points and \u20b91,000 worth of Ixigo Money vouchers on the first transaction within 30 days of card issuance. The card also provides access to railway lounges and offers a 10% discount on flight, bus, and hotel bookings through the Ixigo platform.<\/span><\/p>\n<p><b>Reward redemption: <\/b><span style=\"font-weight: 400;\">Each reward point is worth \u20b90.25 whereas the value of 1 reward point is 50 paise on ixigo money redemption.<\/span><\/p>\n<p><b>Lounge access:<\/b><span style=\"font-weight: 400;\"> With the Ixigo AU Credit Card, you get 16 complimentary domestic airport lounge and railway lounge access per year, provided you spend a minimum of \u20b920,000 in a calendar year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You also receive 1 complimentary international lounge visit per year through Priority Pass membership.\u00a0<\/span><\/p>\n<p><b>Interest charge:<\/b><span style=\"font-weight: 400;\"> The finance charge on the Ixigo AU Credit Card is 45% annually on unpaid balances and cash withdrawals.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">IDFC FIRST WOW!<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The IDFC FIRST WOW! Credit Card is a unique deposit-backed credit card that provides zero forex markup on all international transactions.\u00a0<\/span><\/p>\n<p><b>Joining fee and annual fee: <\/b><span style=\"font-weight: 400;\">There&#8217;s no joining fee and no annual renewal fee\u2014it&#8217;s a life-time free credit card. Being a secured credit card, it requires creating a minimum Fixed Deposit (FD) of \u20b920,000 with IDFC FIRST Bank during the credit card application process online.<\/span><\/p>\n<p><b>Reward points on the IDFC FIRST WOW!:<\/b><span style=\"font-weight: 400;\"> You can earn 4 reward points on every spend of \u20b9150 online, offline, and international spends. Which means if you pay 150 rupees on eligible transactions, you will get 4 reward points.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whereas you get 1 reward point on insurance premium payments and utility bill payments\u200b. Certain categories like fuel, insurance, and EMI transactions don&#8217;t earn rewards.<\/span><\/p>\n<p><b>Rewards redemption:<\/b><span style=\"font-weight: 400;\"> With IDFC FIRST WOW! 1 Reward Point = \u20b90.25. For instance, if you have accumulated 1000 reward points, it translates to \u20b9250.<\/span><\/p>\n<p><b>Lounge access:<\/b><span style=\"font-weight: 400;\"> IDFC FIRST WOW! Credit Card does not offer any airport or railway lounge access.\u00a0<\/span><\/p>\n<p><b>Interest charges:<\/b><span style=\"font-weight: 400;\"> The finance charge on the IDFC FIRST WOW! Credit Cards can be up to 3.85% per month hence 46.2% annually.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The card offers interest-free cash withdrawals up to 48 days on up to 100% of your FD&#8217;s value.\u00a0<\/span><\/p>\n<h2>BookMyForex True Zero Markup Card\u200b\u200b<\/h2>\n<p><span style=\"font-weight: 400;\">The BookMyForex True Zero Markup Card is a multi-currency forex offering zero markup rates.The card&#8217;s primary advantage is that it offers the true interbank exchange rate\u2014the exact live rate you see on search engines\u2014with zero markup added.<\/span><\/p>\n<p><b>Joining fee and annual fee:<\/b><span style=\"font-weight: 400;\"> BookMyForex True Zero Markup Card\u200b\u200b has no joining fee and no annual renewal fee.\u00a0\u00a0<\/span><\/p>\n<p><b>Reward points or cashback:\u00a0 <\/b><span style=\"font-weight: 400;\">BookMyForex True Zero Markup Card does not earn traditional reward points.\u00a0<\/span><\/p>\n<p><b>Lounge access: <\/b><span style=\"font-weight: 400;\">With the BookMyForex True Zero Markup Card, there is no direct airport lounge access benefit. However, the card offers a free international SIM.<\/span><\/p>\n<p><b>Interest charges:<\/b><span style=\"font-weight: 400;\"> The finance charge on the BookMyForex True Zero Markup Card is not applicable in the traditional sense since this is a prepaid forex card, not a credit card. There are no interest charges on balances as you load funds into the card before spending.<\/span><\/p>\n<p><a href=\"https:\/\/1finance.co.in\/tax-planning\" target=\"_blank\" rel=\"noopener\"><strong>Plan taxes better to save more. Book your tax planning consultation today<\/strong> <\/a><\/p>\n<h2>HDFC Bank Regalia ForexPlus Card<\/h2>\n<p><span style=\"font-weight: 400;\">The HDFC Bank Regalia ForexPlus Card is a single-currency prepaid forex card designed specifically for frequent international travellers.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The card&#8217;s primary value proposition lies in its zero cross-currency markup charges on international transactions. You load the card with US Dollars and can spend in any currency worldwide without additional markup.<\/span><\/p>\n<p><b>Joining fee and annual fee:<\/b><span style=\"font-weight: 400;\"> Unlike traditional credit cards, this is a prepaid travel card with a card issuance fee of \u20b91,000 plus GST. There is no annual renewal fee; instead, you pay a reload fee of \u20b975 plus GST for each time you reload money into the card.<\/span><\/p>\n<p><b>Reward points:<\/b><span style=\"font-weight: 400;\"> There\u2019s no reward points or cashback in HDFC Bank Regalia ForexPlus Card.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lounge access: With the HDFC Bank Regalia ForexPlus Card, you get 1 complimentary lounge access at international airports in India, per quarter.<\/span><\/p>\n<p><b>Interest Charges:<\/b><span style=\"font-weight: 400;\"> The HDFC Bank Regalia ForexPlus Card does not charge finance charges in the traditional sense since it is a prepaid card, not a credit card. However, other transaction charges include USD 4.00 per ATM cash withdrawal transaction, USD 0.50 per balance enquiry, daily ATM cash withdrawal limit of USD 5,000, and zero cross-currency markup.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A currency conversion tax applies on all load, reload, and refund transactions as follows: 0.18% of the gross value (or \u20b945 minimum) for amounts up to \u20b91 lakh, \u20b9180 plus 0.09% for amounts between \u20b91 lakh to \u20b910 lakh, and \u20b9990 plus 0.018% for amounts exceeding \u20b910 lakh.<\/span><\/p>\n<p><a href=\"https:\/\/1finance.co.in\/talk-to-a-financial-advisor\"><strong>Thinking of getting a credit card? Credit card consulting can help you find the right one. Book a free call now!<\/strong><\/a><\/p>\n<h2>Kotak Solitaire Credit Card\u200b<\/h2>\n<p><span style=\"font-weight: 400;\">The Kotak Solitaire Credit Card is an exclusive, invite-only premium credit card with zero forex markup charges.<\/span><\/p>\n<p><b>Joining fee and annual fee:<\/b><span style=\"font-weight: 400;\"> For Kotak Solitaire Program account holders, the card carries no joining fee and no annual fee. For non-Solitaire customers who receive an invitation, the card requires no joining fee but charges an annual renewal fee of \u20b925,000 plus GST.<\/span><\/p>\n<p><b>Reward points: <\/b><span style=\"font-weight: 400;\">Kotak Solitaire earns Air Miles instead of traditional reward points. You earn 3 Air Miles for every \u20b9100 spent on eligible transactions. For transactions made for flights and hotel bookings through the Kotak Unbox platform, you earn 10 Air Miles per \u20b9100 spent.\u00a0<\/span><\/p>\n<p><b>Reward redemption:<\/b><span style=\"font-weight: 400;\"> Each Air Mile is worth \u20b91 when redeemed for travel bookings on Kotak Unbox and partner platforms. For non-travel redemptions like gift vouchers and merchandise, Air Miles are worth \u20b90.50 each. Air Miles earned are valid for 3 years from the date of earning.<\/span><\/p>\n<p><b>Lounge access: <\/b><span style=\"font-weight: 400;\">You get unlimited complimentary domestic and international airport lounge access for both the primary and add-on cardholders. You also receive 4 complimentary guest lounge visits per year (2 domestic and 2 international).\u00a0<\/span><\/p>\n<p><b>Interest charge:<\/b><span style=\"font-weight: 400;\"> The finance charge on the Kotak Solitaire Credit Card is 3.5% per month, which equals 42% annually. ATM cash withdrawals are charged at 1% of the advance amount with no interest or annual percentage rate charged until the payment due date.<\/span><\/p>\n<h2>YES Bank Uni Credit Card (nxtWave)\u200b\u200b<\/h2>\n<p><span style=\"font-weight: 400;\">The YES Bank Uni Credit Card, also known as the nxtWave variant, is a RuPay-based credit card designed with zero forex charges.\u00a0<\/span><\/p>\n<p><b>Joining fee and annual fee:<\/b><span style=\"font-weight: 400;\"> This card has zero joining fee and zero annual renewal fee, making it completely free to use throughout its lifetime.<\/span><\/p>\n<p><b>Reward points:<\/b><span style=\"font-weight: 400;\"> YES Bank Uni Credit Card offers unlimited 1% cashback on all eligible transactions across all spending categories\u2014both online and offline. The card&#8217;s cashback will be converted into Uni Coins that can be redeemed as cashback whenever you choose.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can get upto 7X rewards through the Uni Store when purchasing products from partner brands.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There is no direct airport lounge access with YES Bank Uni Credit Card (nxtWave).<\/span><\/p>\n<p><b>Interest charges:<\/b><span style=\"font-weight: 400;\"> The finance charge on the YES Bank Uni Credit Card (nxtWave) is up to 3.99% per month, which equals 47.88% annually.\u00a0<\/span><\/p>\n<h2>Niyo Global SBM Credit Card\u200b<\/h2>\n<p><span style=\"font-weight: 400;\">The Niyo Global SBM Credit Card is a unique FD-backed credit card that offers zero forex mark-up charges on all your international spendings.<\/span><\/p>\n<p><b>Joining fee and annual fee: <\/b><span style=\"font-weight: 400;\">Niyo Global SBM Credit Card\u200b comes with no joining fee and no annual renewal fee. However, the card requires a minimum Fixed Deposit (FD) of \u20b95,000 with SBM Bank India to be opened, which serves as your credit limit\u2014your credit limit equals your FD amount.<\/span><\/p>\n<p><b>Reward points: <\/b><span style=\"font-weight: 400;\">You can earn 10% Niyo Coins (10 Niyo Coins for every \u20b9100 spent) on a minimum spend of \u20b9200 on card swipes (POS) and online transactions (Ecom). You can earn up to 150,000 Niyo Coins per month.<\/span><\/p>\n<p><b>Reward redemption:<\/b><span style=\"font-weight: 400;\"> Value of 1 Niyo Coin = 10 Paise<\/span><\/p>\n<p><b>Lounge access:<\/b><span style=\"font-weight: 400;\"> With the Niyo Global SBM Credit Card, you get 1 complimentary international lounge access per quarter when you spend \u20b950,000 or more outside India on the card in that calendar quarter. Access is available at over 1,300 international airport lounges worldwide through the Lounge Pass program.\u00a0<\/span><\/p>\n<p><b>Interest charges:<\/b><span style=\"font-weight: 400;\"> The finance charge on the Niyo Global SBM Credit Card is 3% per month, which equals 42.58% annually on unpaid balances.<\/span><\/p>\n<h2>Niyo Global DCB Credit Card\u200b\u200b<\/h2>\n<p><span style=\"font-weight: 400;\">The Niyo Global DCB Credit Card is also an FD-backed zero forex credit card that comes with forex markup charges entirely.\u00a0<\/span><\/p>\n<p><b>Joining fee and annual fee: <\/b><span style=\"font-weight: 400;\">Niyo Global DCB Credit Card\u200b\u200b has no joining fee and no annual renewal fee. Like all Niyo cards, the DCB Credit Card requires a minimum Fixed Deposit (FD) of \u20b95,000 with DCB Bank, which serves as your credit limit.<\/span><\/p>\n<p><b>Reward points: <\/b><span style=\"font-weight: 400;\">With Niyo Global DCB Credit Card\u200b\u200b you can get<\/span> <span style=\"font-weight: 400;\">1% value back on international online spends, 2% value back on domestic online spends, and 3% value back on Niyo travel bookings, and Refer &amp; Earn.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also there\u2019s 10% Niyo Coins on all your domestic transactions<\/span><\/p>\n<p><b>Lounge access:<\/b><span style=\"font-weight: 400;\"> With the Niyo Global DCB Credit Card, you get 1 complimentary international lounge access per quarter when you spend \u20b950,000 or more outside India on the card in that calendar quarter. Access is provided at over 1,300 international airport lounges worldwide through the Lounge Pass program. The card does not offer domestic lounge access.\u00a0<\/span><\/p>\n<p><b>Interest charge:<\/b><span style=\"font-weight: 400;\"> The finance charge on the Niyo Global DCB Credit Card is approximately 3% per month, which equals approximately 42.58% annually on unpaid balances.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/1finance.co.in\/talk-to-a-financial-advisor\"><strong>Thinking about a new credit card? Get expert advice to find your perfect match. Book a free consultation now.<\/strong><\/a><\/p>\n<h2>Conclusion<\/h2>\n<p><span style=\"font-weight: 400;\">Zero forex markup credit cards have made international spending affordable for everyone in India. Whether you are a student studying abroad, a business traveler, or someone who loves shopping from international websites, there is a perfect zero forex card for you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remember: You can save thousands of rupees every year by using the right zero forex card. Don&#8217;t pay unnecessary forex markup fees when you have better options available!<\/span><\/p>\n\n\n<div class=\"wp-block-onefinance-cta-consultation-card cta-card\"><div class=\"cta-card__inner\"><div class=\"cta-card__content\"><div class=\"cta-card__left\"><div class=\"cta-card__avatars\"><img decoding=\"async\" src=\"https:\/\/imaages-hosting-1fin.s3.ap-south-1.amazonaws.com\/Website_team\/Backend\/cta-qfas-20260112-070936-webp\" alt=\"cta-avatar\"\/><\/div><h3 class=\"cta-card__title\">Looking for the right credit card?<\/h3><p class=\"cta-card__subtitle\">Let our credit card experts guide you!<\/p><\/div><div class=\"cta-card__right\"><div class=\"cta-card__form\"><label class=\"cta-card__label\">Phone Number<span class=\"cta-card__required\">*<\/span><\/label><div class=\"cta-card__phone-input\"><span class=\"cta-card__country-code\">+91<\/span><input type=\"tel\" class=\"cta-card__input\" placeholder=\"Enter your phone number\" name=\"phone\" autocomplete=\"off\"\/><\/div><div class=\"cta-card__error-message\" style=\"display:none\">Please enter a valid number<\/div><div class=\"background-border\"><div class=\"border-box\"><\/div><div class=\"cta-card__button disabled ga4\" data-gatitle=\"Blogs_Desktop_BookaFreeConsultation\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\"><path d=\"M13.1383 10.3969L11.2514 8.41989C10.5776 7.71382 9.43201 7.99628 9.16247 8.91414C8.96031 9.54964 8.28644 9.90267 7.67996 9.76143C6.33224 9.40839 4.5128 7.57261 4.17587 6.08986C3.97371 5.45437 4.37803 4.7483 4.98451 4.53651C5.86053 4.25408 6.13008 3.05376 5.45621 2.34769L3.56939 0.370687C3.0303 -0.123562 2.22167 -0.123562 1.74996 0.370687L0.469621 1.71222C-0.810721 3.12436 0.604393 6.86654 3.77155 10.1851C6.93871 13.5036 10.5102 15.057 11.8579 13.6448L13.1383 12.3033C13.61 11.7384 13.61 10.8911 13.1383 10.3969Z\" fill=\"black\"><\/path><\/svg>Book a free consultation<\/div><\/div><\/div><div class=\"background-border visible-mobile whatsapp-button\"><div class=\"border-box\"><\/div><a class=\"cta-card__button ga4\" data-gatitle=\"Blogs_Mobile_BookaFreeConsultation\" href=\"https:\/\/api.whatsapp.com\/send?phone=917718801029&amp;text=Hey%2C%20I%20want%20to%20book%20my%20first%20free%20consultation.\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/imaages-hosting-1fin.s3.ap-south-1.amazonaws.com\/Website_team\/Backend\/coloured_WhatsApp_1764479099.svg\" alt=\"whatsapp icon\"\/>Book a free consultation<\/a><\/div><p class=\"cta-card__helper\">Your first financial plan is free<\/p><\/div><\/div><div class=\"cta-card__success\" style=\"display:none\"><div class=\"cta-card__success-icon\"><img decoding=\"async\" src=\"https:\/\/imaages-hosting-1fin.s3.ap-south-1.amazonaws.com\/Website_team\/Group+48098033.svg\" alt=\"Success\"\/><\/div><h3 class=\"cta-card__success-title\">Thank you for showing interest!<\/h3><p class=\"cta-card__success-subtitle\">We will get back to you shortly.<\/p><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Looking for best Zero forex credit card? We have the list!<\/p>\n","protected":false},"featured_media":6771,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_updated_date":"2026-02-26 14:19:00"},"blog-category":[291],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Zero forex markup credit cards in India: Full list in 2026<\/title>\n<meta name=\"description\" content=\"Here&#039;s the list of all zero forex credit cards in India in 2026. 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