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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 88 cards — 62 of them lifetime free — on what you actually keep after fees, reward caps and exclusions. Our current top pick is BOBCARD Scapia.

Top 20 Zero Forex Markup Credit Cards Ranked

#CardAnnual FeeBase EarnStandout
1BOBCARD ScapiaBOBCARD ScapiaBank of BarodaFree (LTF)5.0%0% forex markup
2BOBCARD Etihad Guest PremiumBOBCARD Etihad Guest PremiumBank of BarodaFree (LTF)1.5%0% forex markup
3IndusInd Pioneer Private Credit CardIndusInd Pioneer Private Credit CardIndusInd Bank₹25,0001.2%0% forex markup
4UNI Credit CardUNI Credit CardYes Bank₹4991.0%0% forex markup
5PNB RuPay Metal LUXURA Credit CardPNB RuPay Metal LUXURA Credit CardPunjab National Bank₹7,5001.0%0% forex markup
6PNB Visa Metal LUXURA Credit CardPNB Visa Metal LUXURA Credit CardPunjab National Bank₹1,9991.0%0% forex markup
7slice UPI Credit Cardslice UPI Credit CardsliceFree (LTF)1.0%0% forex markup
8Uni GoldX Credit CardUni GoldX Credit CardUniFree (LTF)1.0%0% forex markup
9Jupiter Edge+ CSB Bank RuPay Credit CardJupiter Edge+ CSB Bank RuPay Credit CardJupiterFree (LTF)1.0%0% forex markup
10DBS Vantage Credit CardDBS Vantage Credit CardDBS BankFree (LTF)0.8%0% forex markup
11RBL Bank World Safari Credit CardRBL Bank World Safari Credit CardRBL Bank₹3,0000.5%0% forex markup
12IDFC FIRST Private Credit CardIDFC FIRST Private Credit CardIDFC FIRST Bank₹25,0000.4%0% forex markup
13RBL Bank World Safari Lite Credit CardRBL Bank World Safari Lite Credit CardRBL Bank₹1,0000.3%0% forex markup
14BOBCARD Uni GoldXBOBCARD Uni GoldXBank of BarodaFree (LTF)0.3%0% forex markup
15Rewards Credit CardRewards Credit CardStandard Chartered BankFree (LTF)0.3%0% forex markup
16IDFC FIRST Mayura Credit CardIDFC FIRST Mayura Credit CardIDFC FIRST Bank₹5,9990.2%0% forex markup
17IDFC FIRST WOW! Credit CardIDFC FIRST WOW! Credit CardIDFC FIRST BankFree (LTF)0.1%0% forex markup
18AU InstaPay RuPay Credit CardAU InstaPay RuPay Credit CardAU Small Finance BankFree (LTF)—0% forex markup
19Kotak Solitaire Credit CardKotak Solitaire Credit CardKotak Mahindra BankFree (LTF)—0% forex markup
20Indian Bank VISA Bharat Credit CardIndian Bank VISA Bharat Credit CardIndian BankFree (LTF)—0% forex markup

Base earn = ₹ value earned per ₹100 of everyday spend at the card's standard rate, before category accelerators. Every card page shows caps, exclusions and the net value math for your own monthly spend.

More Zero Forex Markup Credit Cards Worth a Look

Indian Bank RuPay Classic Credit CardDCB Niyo Credit CardRESERV Credit CardBOBCARD EternaSnapdeal BOBCARDYES PRIVATEElite+ Credit CardACE Credit CardBOBCARD PremierBOBCARD TiaraBOBCARD EasyBOBCARD SelectHPCL Energie BOBCARDICAI Exclusive BOBCARDIndian Army YODDHA BOBCARDBOBCARD VikramInstant RuPay BOBCARDEMI Credit CardOneCard Metal Credit CardBOBCARD Etihad GuestAU NOMO Credit CardKlick Credit CardKotak Cashback+ Credit CardAU Zenith+ Credit CardBOBCARD OneBOBCARD Micro EnterpriseBOBCARD CorporateBOBCARD EmpowerICSI Diamond BOBCARDCMA One BOBCARD
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Best Cashback CardsBest Lifetime Free (LTF) CardsBest Lounge Access CardsBest Travel CardsBest RuPay (UPI) CardsBest Premium CardsBest For Beginners CardsBest Axis Bank CardsBest SBI CardsBest Bank of Baroda CardsBest AU Small Finance Bank CardsBest Yes Bank CardsAll Credit Cards →

Disclaimer: Results are estimates for financial planning purposes only and do not constitute financial, tax, investment, or legal advice. Actual values may vary based on your lender, market conditions, and individual circumstances. Consult a qualified CA, CFP, or financial advisor before making any financial decisions.