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Card picks for foreign spends

Pro-tip: Please use your mobile number and address linked with your Aadhar card for a successful application

Axis Magnus Burgundy

  • Best used in AEP - for spends above 1.5L in calendar month
  • Total returns in AEP: 11% (14% - 2.36% forex markup)
  • Total returns not in AEP: 2.44% (4.8% - 2.36% forex markup)

Infinia, Diners & BizBlack

  • Enroll for Global Value Program (1% extra for ₹199)
  • Total returns: 1.97% (3.33% + 1% - 2.36% forex markup)
  • Milestone benefits of 11.5K (10K points + 3*500 vouchers) for ₹4L quarterly on Diners Black

SBI KrisFlyer Apex

  • 30K miles for spends of ₹5L (4% regular + milestone)
  • Total returns: 1.87% (6% - 4.13% forex markup)
  • Joining fees of ₹11800 (you get 10K miles as welcome bonus)

AU Bank Ixigo

  • Life time free card with 0 forex markup
  • Welcome benefit: ₹1K voucher + points worth ₹200
  • Extra 1.25% back on online and 0.625% back on offline international spends

Yes Bank Marquee

  • Great card for online forex spends; Returns: 3.32% (4.5% - 1.18% markup)
  • Returns for offline: 1.07% (2.25% - 1.18% markup)
  • Joining & annual fees: ₹11179; welcome benefit - points worth ₹10K
  • Redeem for flights, hotels

IDFC First Wow

  • FD linked life time free credit card
  • FD must be minumum of ₹10K
  • Zero forex charges, 0.66% reward rate

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Additional Notes​

  1. For HDFC cards, enable the Global value program here
  2. The cards with reward points typically give better returns than forex cards. If you're going to choose a card without rewards, you may consider getting a Forex card too.
  3. Ensure that you turn off international transactions once your trip finishes