Best credit card for International / foreign currency
Ranked by net reward rate. Each pick lists the exact percentage you earn at International / foreign currency, plus any caps or fine print to watch.
The best card for International / foreign currency right now is the HDFC Diners Club Black, earning 2% forex markup there. Among the lowest forex markups in India. Its annual fee is ₹10,000. The full ranking below orders 4 cards by net reward rate at International / foreign currency.
Which card earns the most at International / foreign currency?
HDFC Diners Club Black
HDFC Bank
Among the lowest forex markups in India.
HDFC Regalia Gold
HDFC Bank
Mid-tier alternative.
Capital One Venture
Capital One
No foreign transaction fees + 2x miles on every dollar.
Chase Sapphire Preferred
Chase
Plus 2x on travel.
FAQ
›Which credit card gives the highest reward at International / foreign currency?
HDFC Diners Club Black pays 2% forex markup on International / foreign currency. Among the lowest forex markups in India.
›Are there any caps or limits I should know about?
Most cards cap their boosted-category cashback. The ranking below already accounts for caps in the per-merchant note. For uncapped earn at International / foreign currency, look for cards with "Unlimited" in the description.
›Should I get a new card just for one merchant?
Only if your annual spend at that merchant is high enough to clear the joining fee. As a rule of thumb: a 5% boost on ₹1,00,000 / $1,000 of annual spend = ₹5,000 / $50, which justifies most no-fee or sub-₹1,000 fee cards.
Read before you choose
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