Forex Credit Cards – Spend Globally, Save Smartly!
Go Global with the Best Forex Credit Cards in India
Planning your next international trip? Whether it’s a holiday abroad, a business visit, or higher studies, CardMela.com brings you a carefully curated selection of Top Forex Credit Cards designed to make your international transactions smooth, secure, and economical.
Enjoy more than just global access — these credit cards optimize every international spend. From zero forex markup and multi-currency usage to global ATM access and international purchase rewards, the benefits go beyond borders.
Explore top cards like the Axis Bank Forex Card, HDFC Regalia ForexPlus Card, ICICI Multicurrency Forex Card, and SBI Foreign Travel Card — each tailored to suit different types of international spenders.
These cards also come with added advantages like:
Built-in travel insurance for overseas medical or baggage loss
No or low foreign transaction markup fees
Multi-currency wallet support for international usage
Annual fee waivers based on international spend milestones
Start your global journey with the right card. Use our comparison tool to evaluate key benefits, charges, currency support, and apply directly from CardMela.
HDFC Bank Multi Forex Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
ICICI Bank Forex Prepaid Credit Card
★★★★☆ (4.3/5)
Ideal for frequent international travelers
Benefits:
Multiple currencies on a single card
Free replacement card in case of loss or theft
Comprehensive travel insurance coverage
Secure transactions with 3D Secure and Chip & PIN technology
Emergency cash delivery services available
Eligibility:
Valid passport required
A2 Form and PAN card necessaryICICI Bank
Fees:
Joining fee: ₹499 + GST
Annual fee: Nil
Reload fee: ₹100 per transaction
ICICI Bank Saphiro Forex Prepaid Credit Card
★★★★☆ (4.5/5)
Ideal for premium international travelers seeking exclusive benefits
Benefits:
Zero mark-up fee on cross-currency transactions
5% cashback on airline & hotel bookings online (max ₹3,000/month)
2 complimentary international lounge accesses per year
₹1,000 Uber e-Gift Card
International Student Identity Card (ISIC) membership worth ₹999
Card Protection Plus insurance worth ₹1,600
Eligibility:
Valid passport required
A2 Form and PAN card necessary
Fees:
Joining fee ₹2,999 + GST
Annual fee Nil
Reload fee ₹100 per transaction
ICICI Bank Expressions Forex Credit Card
★★★★☆ (4.5/5)
Ideal for premium international travelers
Benefits:
Personalized card design
₹15,000 joining benefits
Zero cross-currency markup
5% cashback on airline & hotel bookings (max ₹3,000/month)
2 free international lounge accesses/year
₹1,000 Uber e-Gift Card
ISIC membership worth ₹999
Card Protection Plus insurance worth ₹1,600
Eligibility:
Valid passport required
A2 Form and PAN card necessary
Fees:
Joining fee ₹2,999 + GST
Annual fee Nil
Reload fee ₹100 per transaction
ICICI Bank Student Forex Prepaid Credit Card
★★★★☆ (4.5/5)
Ideal for students studying abroad
Benefits:
Joining benefits ₹5,000 including 1 Indian International lounge access
Free Uber voucher ₹500
1 monthly ATM fee waiver
Free replacement card
ISIC membership worth ₹999
Card Protection Plus insurance ₹1,600
Lost card liability coverage up to ₹5,00,000
Eligibility:
Valid passport required
A2 Form and PAN card necessary
Fees:
Joining fee Nil
Annual fee Nil
Axis Bank Forex Credit Card
★★★★☆ (4.1/5)
Ideal for international travelers
Benefits:
Multi-currency card with 16 currencies
6 complimentary ATM withdrawals/year
No issuance, reload & encashment fees
Insurance cover up to ₹3L
Eligibility:
Indian residents traveling abroad, Valid passport & visa
Fees:
₹300 Issuance Fee, ₹100 Reload Fee, ₹150 Encashment Fee
IndusInd Bank Travel Forex Credit Card
★★★★☆ (4.5/5)
Best for international travelers seeking fee-free multi-currency prepaid card
Benefits:
Zero currency conversion charges
Zero ATM withdrawal fees up to 2 per month per currency
Zero processing and issuance fee (temporary offer)
Online usage enabled
3 years validity
Multi-currency support including USD EUR GBP
Free airport transfer worth ₹1,000
Discounts on travel experiences and wire transfers
Eligibility:
Indian resident aged 18+
Valid passport and visa required
Fees:
Joining fee ₹0 (temporary offer)
Annual fee ₹0
IDFC First Bank Forex Credit Card
★★★★☆ (4.5/5)
Best for forex and lifestyle benefits
Benefits:
₹500 voucher on ₹5,000 spend
5% cashback on 1st EMI
3X points on UPI spends
10X points on ₹20K+ spends & birthdays
1% fuel surcharge waiver
2x BOGO movie tickets (₹250 off)
4 railway lounge visits quarterly
₹10K trip cancellation cover (twice/year)
1% forex markup
Eligibility:
₹3L+ annual income
Indian resident, good credit score
Fees:
Joining ₹0
Annual ₹0
SBI Forex Travel Credit Card
★★★★☆ (4.5/5)
Ideal for high online spenders seeking straightforward cashback rewards
Benefits:
5% cashback on all online spends (excluding specific categories)
1% cashback on offline spends
1% fuel surcharge waiver on transactions between ₹500–₹3,000 (max ₹100/month)
Auto-credit of cashback within 2 days of statement generation
Contactless payments enabled
Worldwide acceptance at over 24 million outlets
Add-on cards available for family members above 18 years
Cash withdrawal from over 1 million VISA ATMs globally
Eligibility
Minimum ₹25,000/month income, Credit Score 750+
Fees
₹999 Joining & Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
Federal Bank Scapia Credit Card
★★★★☆ (4/5)
*Best for frequent online & international spenders
Benefits:
Unlimited 2% Rewards on all spends
Zero Forex Markup
Complimentary Airport Lounge Access
No Joining or Annual Fee
Instant Card Issuance via App
Eligibility:
₹20,000/month income, Credit Score 700+
Fees:
No Annual Fee, No Joining Fee, ₹0 Forex Markup
Spend Smart, Save Big – Your Ultimate Guide to the Best Forex Credit Cards in India
Planning an international trip for business, study, or vacation? The right forex credit card can make your overseas spending more cost-effective and stress-free. At CardMela.com, we bring you a carefully curated selection of India’s top forex credit cards that help you save on currency conversion charges while offering added global benefits.
Instead of juggling between wallets and exchange counters, choose a card that lets you spend globally, save locally.
Why Choose a Forex Credit Card?
A forex credit card is tailor-made for international transactions. Here’s why it’s a must-have when you travel abroad:
- Low or Zero Forex Markup Charges
Save up to 3.5% per transaction by using cards with minimal forex markup rates. - Global ATM Access & Prepaid Control
Withdraw cash overseas or preload currency in advance with ease. - Multi-Currency Support
Carry multiple currencies in one card for maximum convenience. - Built-in Travel Insurance
Get protection against lost baggage, medical emergencies, and trip delays. - 24×7 Global Assistance
Access emergency card replacement and customer support across countries. - No Hidden Charges
Transparent billing and real-time expense tracking help you stay in control.
Compare, Choose & Travel Confidently
At CardMela.com, we make it simple to compare forex cards based on:
- Forex Markup Charges
- Issuance & Reload Fees
- ATM Withdrawal Limits
- Accepted Currencies
- Insurance Coverage
- Card Type (Prepaid / Credit)
Top Forex Cards You Can Apply For
Here are some of the most recommended forex cards in India:
- HDFC ForexPlus Card
Multi-currency prepaid card with real-time locking and unlocking via app. - Axis Bank Multi-Currency Forex Card
Load up to 16 currencies, zero cross-currency charges, and emergency cash delivery abroad. - ICICI Bank Travel Card (Goibibo/MakeMyTrip co-branded)
Forex card with travel benefits, dining offers, and global acceptance. - IndusInd Bank Multi-Currency Forex Card
Low issuance fee and free insurance cover, ideal for students and frequent travellers. - Thomas Cook Borderless Prepaid Card
Load 9 currencies, get 24×7 card management and emergency support. - BookMyForex YES Bank Forex Card
Competitive rates with free door delivery and mobile wallet access.
Who Should Get a Forex Card?
These cards are ideal for:
- Students going abroad
- International business travellers
- Frequent overseas tourists
- Remote workers/digital nomads
- Parents funding children abroad
- Online international shoppers
Transparent Fees & Easy Eligibility
Every card on CardMela.com comes with clearly disclosed charges, including:
- Issuance & Reload Fees
- Forex Markup Rate (as low as 0%)
- ATM Withdrawal Fees
- Card Replacement Charges
- Validity Period
- Documents Required for Application
Travel Smarter with the Right Forex Card
Pairing the right forex card with your travel plans can help you avoid overspending on currency conversion and give you real-time control over your money abroad. Whether you’re shopping in Paris, studying in Canada, or attending meetings in Dubai — your card should work seamlessly.
Why Trust CardMela.com?
We’re not just another listing site. We offer:
- 100% unbiased comparison
- Only verified bank partners
- No spam or hidden terms
- Real reviews by Indian travellers
- Best limited-time offers, updated regularly
Final Word
A forex card isn’t a luxury — it’s a travel necessity. Ditch the old-school traveller’s cheques and expensive airport exchange counters. Instead, choose the smarter way to carry money abroad.
Explore, compare, and apply for the best forex credit cards on CardMela.com — your trusted partner for international spending.