Best Zero Forex Markup Credit Cards in India 2026
Cards charging 0–1.5% on international spends instead of the standard 3.5% — ranked by markup, then rewards. We compared 100 credit cards (including 51 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
Scapia Axis Bank Credit Card
0% forex markup
Scapia Axis Bank Credit Card
Annual Fee
Free
Headline Rate
2% on travel
KVB Eternis Credit Card
Annual Fee
₹29,999
Headline Rate
6x on travel
Axis Burgundy Private Credit Card
Annual Fee
₹50,000
Headline Rate
7.5 pts/₹100
BOBCARD Etihad Guest Premium
Annual Fee
Free
Headline Rate
2x on other
IndusInd Pioneer Private Credit Card
Annual Fee
₹25,000
Headline Rate
3x on other
RBL Bank LUMIÈRE Credit Card
Annual Fee
₹50,000
Headline Rate
4x on travel
UNI Credit Card
Annual Fee
₹499
Headline Rate
1% on other
Federal Scapia Co-branded Credit Card
Annual Fee
Free
Headline Rate
10x on travel
PNB RuPay Metal LUXURA Credit Card
Annual Fee
₹7,500
Headline Rate
12x on travel
PNB Visa Metal LUXURA Credit Card
Annual Fee
₹1,999
Headline Rate
12x on travel
slice UPI Credit Card
Annual Fee
Free
Headline Rate
1% cashback
Uni GoldX Credit Card
Annual Fee
Free
Headline Rate
1x on travel
CUB CSK Master World Credit Card
Annual Fee
₹4,000
Headline Rate
2x on travel
CUB SRH Master World Credit Card
Annual Fee
₹4,000
Headline Rate
2x on travel
IDFC FIRST Gaj: Credit Card
Annual Fee
₹12,500
Headline Rate
3.33 pts/₹100
DBS Vantage Credit Card
Annual Fee
₹20,000
Headline Rate
4x on travel
Jupiter Edge+ CSB Bank RuPay Credit Card
Annual Fee
Free
Headline Rate
50x on online
IDFC FIRST WOW! Black Credit Card
Annual Fee
₹750
Headline Rate
2.67x on travel
PNB Premium Metal Credit Card LUXURA (Army Officer)
Annual Fee
₹1,999
Headline Rate
2.67 pts/₹100
IDFC FIRST LIC Classic Credit Card
Annual Fee
Free
Headline Rate
4.8x on insurance
IDFC FIRST Diamond Reserve Credit Card
Annual Fee
₹3,000
Headline Rate
6.67x on other
RBL Bank World Safari Credit Card
Annual Fee
₹3,000
Headline Rate
5x on travel
IDFC FIRST Private Credit Card
Annual Fee
₹25,000
Headline Rate
3.33x on travel
BOBCARD Scapia
Annual Fee
Free
Headline Rate
4x on travel
RBL Bank World Safari Lite Credit Card
Annual Fee
₹1,000
Headline Rate
1x on travel
BOBCARD Uni GoldX
Annual Fee
Free
Headline Rate
1x on other
Rewards Credit Card
Annual Fee
₹1,000
Headline Rate
4x on other
IDFC FIRST Mayura Credit Card
Annual Fee
₹5,999
Headline Rate
0.833x on travel
IDFC FIRST WOW! Credit Card
Annual Fee
Free
Headline Rate
0.5x on travel
AU InstaPay RuPay Credit Card
Annual Fee
Free
Headline Rate
1% on groceries
Kotak Solitaire Credit Card
Annual Fee
Free
Headline Rate
10x on travel
Indian Bank VISA Bharat Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Indian Bank RuPay Classic Credit Card
Annual Fee
₹250
Headline Rate
0 pts/₹100
DCB Niyo Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
YES PRIVATE
Annual Fee
₹10,000
Headline Rate
0 pts/₹100
Bandhan Bank Lumina Credit Card
Annual Fee
₹9,999
Headline Rate
8 pts/₹100
DBS Altitude Credit Card
Annual Fee
₹4,999
Headline Rate
5x on travel
RESERV Credit Card
Annual Fee
₹2,499
Headline Rate
12x on online
BOBCARD Premier
Annual Fee
Free
Headline Rate
10x on dining
BOBCARD Tiara
Annual Fee
Free
Headline Rate
15x on dining
BOBCARD Easy
Annual Fee
Free
Headline Rate
1x on other
BOBCARD Select
Annual Fee
Free
Headline Rate
5x on online
ICAI Exclusive BOBCARD
Annual Fee
Free
Headline Rate
5x on online
Indian Army YODDHA BOBCARD
Annual Fee
Free
Headline Rate
2x on other
BOBCARD Vikram
Annual Fee
Free
Headline Rate
5x on other
Instant RuPay BOBCARD
Annual Fee
Free
Headline Rate
5 pts/₹100
Bandhan Bank Flare Credit Card
Annual Fee
₹2,499
Headline Rate
5 pts/₹100
CUB SalarySe Level Up Credit Card
Annual Fee
Free
Headline Rate
5 pts/₹100
MakeMyTrip ICICI Bank Credit Card
Annual Fee
₹999
Headline Rate
1x on travel
BOBCARD Cashback
Annual Fee
₹499
Headline Rate
5% on online
YES BANK Paisabazar PaisaSave RuPay Credit Card
Annual Fee
Free
Headline Rate
6% on dining
YES BANK Paisabazar PaisaSave Credit Card
Annual Fee
₹499
Headline Rate
6% on dining
EMI Credit Card
Annual Fee
₹499
Headline Rate
1% on other
Smart Credit Card
Annual Fee
₹499
Headline Rate
2% on online
OneCard Metal Credit Card
Annual Fee
Free
Headline Rate
1x on other
BOBCARD Etihad Guest
Annual Fee
Free
Headline Rate
1x on other
Elite+ Credit Card
Annual Fee
₹999
Headline Rate
6x on online
AU NOMO Credit Card
Annual Fee
Free
Headline Rate
1x on utilities
ACE Credit Card
Annual Fee
₹499
Headline Rate
4x on online
Klick Credit Card
Annual Fee
Free
Headline Rate
2x on other
POP-CLUB Credit Card
Annual Fee
₹399
Headline Rate
10x on online
ANQ Phi Credit Card
Annual Fee
₹499
Headline Rate
12x on travel
Kotak Cashback+ Credit Card
Annual Fee
₹750
Headline Rate
0.5x on other
Standard Chartered EaseMyTrip Credit Card
Annual Fee
₹350
Headline Rate
10x on travel
Bandhan Bank Ignite Credit Card
Annual Fee
₹999
Headline Rate
4x on groceries
Federal One Co-branded Credit Card
Annual Fee
Free
Headline Rate
10x on other
AU Traverse Credit Card
Annual Fee
₹4,999
Headline Rate
1 pts/₹100
AU Zenith+ Credit Card
Annual Fee
₹4,999
Headline Rate
2x on dining
BOBCARD One
Annual Fee
Free
Headline Rate
1x on other
BOBCARD Micro Enterprise
Annual Fee
Free
Headline Rate
1x on other
BOBCARD Corporate
Annual Fee
Free
Headline Rate
1x on other
BOBCARD Empower
Annual Fee
Free
Headline Rate
1x on other
ICSI Diamond BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
CMA One BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
Indian Navy Varunah BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
Indian Coast Guard Rakshamah BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
Assam Rifles The SENTINEL BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
FinBooster Credit Card
Annual Fee
Free
Headline Rate
1x on online
Zagg Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
Wellness Credit Card
Annual Fee
₹499
Headline Rate
1 pts/₹100
YES Essence Credit Card
Annual Fee
₹799
Headline Rate
1 pts/₹100
Priority Visa Infinite Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
DigiSmart Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
Bandhan Bank Sparks Credit Card
Annual Fee
₹499
Headline Rate
1 pts/₹100
IDFC FIRST Ashva Credit Card
Annual Fee
₹2,999
Headline Rate
0.833x on travel
Platinum Rewards Card
Annual Fee
Free
Headline Rate
3.33x on dining
IRCTC BOBCARD
Annual Fee
Free
Headline Rate
0.5 pts/₹100
BOBCARD Prime
Annual Fee
Free
Headline Rate
0 pts/₹100
Nainital Bank Renaissance BOBCARD
Annual Fee
Free
Headline Rate
1x on other
MARQUEE Credit Card
Annual Fee
₹4,999
Headline Rate
0 pts/₹100
RuPay Credit Card
Annual Fee
Free
Headline Rate
1x on online
BYOC Credit Card (Build Your Own Card)
Annual Fee
₹49
Headline Rate
0 pts/₹100
Wellness Plus Credit Card
Annual Fee
₹1,499
Headline Rate
0x on other
White Reserve Credit Card
Annual Fee
Free
Headline Rate
0x on other
Indian Bank One Co-Branded Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
RBL Bank Insignia Preferred Banking Credit Card
Annual Fee
₹7,000
Headline Rate
10x on travel
Times Black ICICI Bank Credit Card
Annual Fee
₹20,000
Headline Rate
2x on utilities
IndiGo IDFC FIRST Dual Credit Card
Annual Fee
₹4,999
Headline Rate
3x on travel
IDFC FIRST Wealth Credit Card
Annual Fee
Free
Headline Rate
6.67x on other
IndusInd Tiger Credit Card
Annual Fee
Free
Headline Rate
6x on other
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