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International credit cards in India

28 options, compared on the numbers that decide it: what you pay to hold one, what you get back, and who is eligible.

  • 28Options
  • 8Providers

These cards pay a higher rate on spends abroad or in a foreign currency. The bank still adds its forex markup to each such spend, so compare the rate with the markup on each card's page.

Which credit card is best to use abroad?

Every foreign spend carries the card's forex markup, usually 3.5% plus GST. A low markup saves more than most reward rates earn. From each bank's published terms; what a bank pays SkyloFin is never part of the order.

Lowest forex markupBOBCARD Uni GoldX Credit Card0% markup on foreign spends · Lifetime free.View card

Using your card abroad

  • Pay in the local currency

    If a shop or ATM offers to charge you in rupees, say no. That conversion (DCC) usually costs more than your card's markup.

  • Switch on international use

    Indian cards ship with international spends off. Turn them on in your bank's app before you travel, and off again after.

  • Count the GST on the markup

    18% GST is added to the forex markup, so a 3.5% markup costs about 4.13% of each foreign spend.

  • Avoid cash withdrawals

    Cash from a credit card abroad carries a fee and interest from the same day. Use the card to pay, not to withdraw.

Markups, fees and rates change; each card's page shows its current terms. Check the bank's terms before you apply.

Read our guide: Forex Markup Explained: What Your Card Really Costs Abroad

28 cards (filtered)
Showing 24 of 28

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Card changes

Recent Changes on International Cards

Banks change fees and rewards often. These are the latest on international cards we list, with the source.

All card changes

Questions About International Credit cards

Straight answers before you apply. Each card's own terms are on its page.

Does a higher rate on foreign spends cover the forex markup?

Sometimes. If the reward rate is lower than the markup (often 3.5% plus GST), the spend still costs more than paying in rupees. Both figures are on each card's page.

How many International credit cards does SkyloFin compare?

28 right now, each with its fees, benefits and eligibility from the provider's own published terms. SkyloFin never charges you to apply.

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