Foreign tours will be cheaper, these travel credit cards will provide bumper savings, you will not have to pay forex charges

If you’re planning an international trip with friends or family this winter, credit cards with zero or low forex markup can significantly reduce your expenses. Forex charges for swiping cards abroad increase the travel budget, so it is important to choose the right card. Many premium cards like Axis Burgundy Private, HDFC Infinia, ICICI Emerald Private and IDFC FIRST Private also offer low forex charges, but their eligibility is quite high. Some cards also offer benefits like travel rewards, lounge access and hotel membership along with low fees.

Scapia Federal Bank Credit Card- This card comes with no annual charge and zero forex markup. This gives you the opportunity to save up to 4% for travel booking on the Scapia app. It offers unlimited domestic lounge access and up to Rs 1,000 off at airports on spending Rs 10,000 per month, making it very popular among budget travellers.

ixigo AU Credit Card- This card is also available with no annual charge and zero forex markup. It offers 10 reward points for every Rs 200 on online spends and 5 points for every Rs 200 on offline spends, of which the value of 1 point is Rs 0.25. Card users get up to 10% discount on ixigo bookings, one international lounge visit, 8 domestic and 8 railway lounge access per year. The card’s reward rate reaches up to 5% on travel bookings on ixigo.

IDFC FIRST WOW- This is a secured credit card, which has neither annual charge nor forex markup. This card offers 100% credit and cash withdrawal limit at par with FD, with a minimum FD amount of Rs 20,000. This is a great option for those who want to build their credit score easily.

RBL World Safari Credit Card- This credit card comes with an annual charge of Rs 3,000 and its specialty is zero forex markup. It gives 5 points on every Rs 100 spent on travel retail and 2 points on domestic spends. It offers 8 domestic and 2 international lounge visits. On annual expenditure of Rs 7.5 lakh, the user gets Taj Experiences, Myntra, Amazon, Croma or MMT vouchers worth up to Rs 10,000. The base reward rate in this card is 1% and travel reward rate is 2.5%.

IDFC FIRST Mayura Credit Card- This is a premium reward card with an annual fee of Rs 5,999 and zero forex markup. Through the card, 16 international, 16 domestic and 16 railway lounge access are available in a year. It offers rewards up to 10% on flight bookings made through the app and up to 3.33% on other categories, along with a quarterly discount of Rs 5,000 on Postcard Hotels.

AU NOMO Credit Card- This is a secured credit card, which is issued without annual fee and 0.99% forex markup. Card users can get 2 domestic and 2 railway lounge visits on quarterly spend of Rs 20,000. Its effective reward rate reaches 2%, making it a good option for customers with limited spending.

MakeMyTrip ICICI Bank Credit Card- It comes with an annual fee of Rs 999 and 0.99% forex markup. It offers 6% myCash on hotel bookings, 3% myCash on flights, holidays, cabs and bus bookings and 1% myCash on other spends on MMT. Apart from this, 25 myCash is available on train tickets and up to 4% cashback is also available on iShop. The card includes 8 domestic and 1 international lounge access. It offers a reward rate of up to 6% on hotel bookings and 3% on other MMT services.

AU Zenith+ Credit Card- This is a premium credit card with an annual charge of Rs 4,999 and a forex markup of 0.99%. It offers 2 points per Rs 100 on dining, travel and international spends and 1 point on other spends, with the value of 1 point being Rs 1. It provides 16 international and 16 domestic lounge access. Taj Epicure membership is also available at an annual expense of Rs 12 lakh. This card offers an effective reward rate of up to 1.66% on monthly spends above Rs 20,000.

IDFC FIRST Ashva Credit Card- This card is a card with annual fee of Rs 2,999 and 1% forex markup. It offers 5X reward points up to monthly spend of Rs 20,000 and 10X points thereafter. You get 50X points on hotel booking and 30X points on flights on IDFC app. This includes 16 domestic, 8 international and 16 railway lounge accesses annually.

YES Bank Marquee Credit Card- This credit card is issued with an annual fee of Rs 4,999 and 1% forex markup. It gives 36 YES Rewardz points for every Rs 200 on online purchases and 18 points on offline spends. Card users enjoy 24 domestic lounge access (6 per quarter), unlimited international lounge visits and 8 guest visits. It offers reward rates up to 4.5% on online shopping and 2.25% on offline spends.