Spends · category 13 of 15
Which credit cards still earn on Forex / international spends — September 2026
Of the 1119 cards on the desk, 243 publish a rule for forex / international spends — and 7 of those pay ABOVE the card's own normal rate here, against 201 at full rewards. The rest: 7 capped, 3 at a reduced rate, 23 earn nothing, 2 can't do it at all. Every one is below, with the cap, the MCC and the rate a swipe actually returns.
what the counts mean fold that back up
Which credit card is best for forex / international spends in India?
Axis Burgundy Private (Axis Bank) pays 6.00% on forex / international spends — the best rate of any card with a published rule here. 243 cards publish one, 23 of which earn nothing at all.
Open to everyone: Axis Magnus for Burgundy (Axis Bank) pays 4.80% on forex / international spends for ₹30,000/yr — the best rate of any card you can actually apply for, whatever the fee.
On a budget: Standard Chartered Ultimate (Standard Chartered) pays 3.33% on forex / international spends for ₹5,000/yr or less, and it's open to apply.
Lifetime-free: Unity Bank BharatPe Credit Card (Unity Small Finance Bank) pays 2.00% on forex / international spends for ₹0, open to apply.
any MCC, currency != INR · 243 cards read line by line · rates at our house ₹/point
The three that actually pay
Ranked by what ₹100 of forex / international spends returns — first-tier earn × this category's published treatment × our ₹/point. The same math the wallet winner ranks your own cards by.
- 01 Axis Burgundy Private
15 RP/₹200 on all transactions with a Nil forex markup (CardExpert) — rent, wallet, education, groceries and UPI treatment not published, omitted
6.00% full earn - 02 Axis Bank PRIMUS
1 EDGE Mile/₹100 abroad with NIL foreign transaction fee and NIL dynamic-currency-conversion markup — Primus and Burgundy Private are the only two Axis cards at zero
5.00% full earn - 03 Axis Magnus for Burgundy
12/₹200; Burgundy variant markup 2%+GST
4.80% full earn
Every card with a published rule
243 cards
Accelerated first, then full earners, then capped, then reduced, then the zeroes — each block by the rate it returns here. The rule text is the issuer's own, quoted from the document we read.
| Card | Earns | Rate here | The cap, and the rule it comes from |
|---|---|---|---|
| LIC Axis Bank Platinum Axis Bank | accelerated | 0.71% | 2 Reward points per ₹100 on foreign-currency transactions, which is about 1.43% against a 3.5% foreign transaction fee — a net loss on every swipe abroad |
| Landmark Rewards SBI Card SELECT SBI Card | accelerated | 0.50% | 10 Reward Points per ₹100 on international spend — 2.5% against a 3.5% markup, so still a net loss abroad |
| ICICI Bank Rubyx against FD ICICI Bank | accelerated | 0.50% | 4 RP per ₹100 against 2 domestic — about 1% at ₹0.25 a point, against a 3.5% + GST mark-up that swallows it |
| ICICI Bank NRI Sapphiro ICICI Bank | accelerated | 0.50% | 4 RP per ₹100 on international spends against 2 RP per ₹100 domestic — the one genuinely NRI-shaped line on the card, and still only 1% at ICICI's ₹0.25 redemption, against a 3.5% + GST markup. |
| Landmark Rewards SBI Card SBI Card | accelerated | 0.25% | 5 Reward Points per ₹100 on international spend, which is 1.25% against a 3.5% foreign-currency markup — a net loss on every swipe abroad |
| Axis Bank Titanium Smart Traveller Axis Bank | accelerated | 0.20% | 8 EDGE REWARD Points per ₹200 while travelling abroad — worth about 0.8%, against a 3.5% foreign-currency markup that costs four times as much |
| Axis Bank Signature Axis Bank | accelerated | 0.20% | 2 EDGE points per ₹100 against 1 domestic — 0.4% at Axis's own ₹0.20 a point, against a 3.5% mark-up plus a 1.5% dynamic-currency-conversion fee that swallow it several times over |
| Axis Burgundy Private Axis Bank | full earn | 6.00% | 15 RP/₹200 on all transactions with a Nil forex markup (CardExpert) — rent, wallet, education, groceries and UPI treatment not published, omitted |
| Axis Bank PRIMUS Axis Bank | full earn | 5.00% | 1 EDGE Mile/₹100 abroad with NIL foreign transaction fee and NIL dynamic-currency-conversion markup — Primus and Burgundy Private are the only two Axis cards at zero |
| Axis Magnus for Burgundy Axis Bank | full earn | 4.80% | 12/₹200; Burgundy variant markup 2%+GST |
| Axis Olympus Axis Bank | full earn | 4.00% | 2 EDGE Miles/₹100 international; 1.8% markup |
| Axis Atlas Axis Bank | full earn | 4.00% | 2 EDGE Miles/₹100 (5/₹100 direct airlines/hotels); 3.5%+GST markup |
| HDFC Infinia Metal HDFC Bank | full earn | 3.33% | Full 5 RP/₹150; 2%+GST forex markup |
| HDFC Diners Club Black Metal HDFC Bank | full earn | 3.33% | Full 5 RP/₹150; 2%+GST markup |
| Standard Chartered Beyond Standard Chartered | full earn | 3.33% | Overseas spend is not in either exclusion list, so it earns the full 5 RP/₹150 — against a 2% markup (§7). Duty-free spend is the exception: 15% cashback instead, and no reward points |
| Standard Chartered Ultimate Standard Chartered | full earn | 3.33% | 5 RP/₹150; 2%+GST markup since 25-Aug-2024 (was 3.5%) |
| HSBC Privé HSBC | full earn | 3.33% | Full earn, and the currency conversion charge is NIL — the Key Fact Statement and the MITC tariff sheet both print it as nil, permanently |
| KrisFlyer SBI Card APEX SBI Card | full earn | 3.30% | 4 miles/₹100 on international spends (8 per ₹200) — but against a 3.5% foreign-currency markup, so the 4.4% earn nets under a point |
| Air India SBI Signature Card SBI Card | full earn | 3.20% | International spend earns the 4 points per ₹100 base — the T&C grants the same rate on "Domestic as well international transactions" — against a 3.5% markup |
| ICICI Emeralde Private Metal ICICI Bank | full earn | 3.00% | 6 RP/₹200; 2%+GST markup |
| HSBC Premier (Metal) HSBC | full earn | 3.00% | Full 3 RP/₹100 + 0.99% markup — the best earn-abroad combo in the catalog |
| Axis Bank Reserve Axis Bank | full earn | 3.00% | 30 EDGE points/₹200 (2x) on international spends up to credit limit/month, then 15/₹200; 1.5%+GST markup |
| Axis Miles & More World Select Axis Bank | full earn | 3.00% | Base 6 miles/₹200; 3.5% forex markup |
| Axis Magnus Axis Bank | full earn | 2.40% | 12/₹200 (35/₹200 in accelerated band); 2%+GST markup |
| Axis Bank Vistara Infinite Credit Card Axis Bank | full earn | 2.40% | 6 Maharaja Points per ₹200 — international spends still earn under the post-merger terms |
| YES Bank Marquee YES Bank | full earn | 2.25% | Earns the online/offline rate; 1%+GST markup — among the cheapest non-zero forex cards in the catalog |
| BOBCARD Etihad Guest Premium BOBCARD (Bank of Baroda) | full earn | 2.00% | 2 miles/₹100 on cross-border spends AND 0% forex markup (official page) — the honest headline |
| RBL Nova RBL Bank | full earn | 2.00% | Forex earn rate not published; official 2% foreign transaction fee on cross-border purchases — treated as base earn (inferred, flag) |
| HSBC TravelOne HSBC | full earn | 2.00% | 2x: 4 pts/₹100 on non-DCC forex (accelerated capped 50,000 pts/month incl. airlines/agg); 3.5% markup |
| Standard Chartered Priority Visa Infinite Standard Chartered | full earn | 2.00% | 5 reward points per ₹100 spent overseas (5%) — but every overseas transaction carries SC's 3.5% markup, so the net uplift over the 2% base is about 1.5 points |
| ICICI Times Black ICICI Bank | full earn | 2.00% | 2.5% RP on international spends; 1.49%+GST markup (≈1.76% all-in) → rare net-positive card abroad — official page + CardExpert |
| Axis Horizon Axis Bank | full earn | 2.00% | 2 EDGE Miles/₹100 (5/₹100 direct airlines / Travel Edge); 3.5%+GST markup |
| Axis Miles & More World Axis Bank | full earn | 2.00% | Base 4 miles/₹200; 3.5% forex markup |
| DBS Vantage DBS Bank India | full earn | 2.00% | 4 VP/₹100 international, and 0% forex markup on all overseas transactions. Singapore spends earn only the domestic 4 VP/₹200 rate. |
| Unity Bank BharatPe Credit Card Unity Small Finance Bank | full earn | 2.00% | Earns the full 2% on international spend, against the KFS's "Foreign Currency Markup Fee — 3.5% of the transaction amount" — exactly India's norm, so an overseas swipe is 1.5% underwater before GST. The earn is unrestricted; the trade is bad |
| Emirates Skywards ICICI Bank Emeralde ICICI Bank | full earn | 1.80% | 2 Skywards Miles/₹100 on international; 3.5%+GST markup |
| IDFC FIRST Mayura IDFC FIRST Bank | full earn | 1.67% | 0% forex markup (headline feature) + full RP earn; beware: international utility-MCC txns still get utility treatment (TechnoFino) |
| HDFC Regalia Gold HDFC Bank | full earn | 1.63% | Full 4 RP/₹150; 2%+GST markup |
| Club Vistara SBI Card PRIME SBI Card | full earn | 1.60% | International spend accrues 4 CV Points per ₹200 like anything else, against a 3.5% markup — no foreign accelerator on this card |
| Axis Bank Vistara Signature Credit Card Axis Bank | full earn | 1.60% | 4 Maharaja Points per ₹200 — international spends still earn under the post-merger terms |
| IndusInd Avios Visa Infinite IndusInd Bank | full earn | 1.50% | Base 3 Avios/₹200 abroad, 6/₹200 at a preferred POS; 1.5% forex at preferred destinations, 3.5% elsewhere |
| Tata Neu Infinity HDFC Bank HDFC Bank | full earn | 1.50% | Base 1.5% NeuCoins; 2%+GST markup (RuPay acceptance thin abroad) |
| IndiGo IDFC FIRST Dual Credit Card IDFC FIRST Bank | full earn | 1.50% | Base 3 BluChips/₹100; 1.49% markup — the family's only usable overseas earn |
| Equitas PowerMiles Equitas Small Finance Bank | full earn | 1.50% | 9 RP/₹100 international (3x), credited "on best effort basis based on merchant categories (MCC)"; 2% markup at every tier |
| Adani One ICICI Bank Signature ICICI Bank | full earn | 1.50% | 2 Adani Reward Points/₹100 on international; 3.5%+GST markup |
| YES Bank RESERV YES Bank | full earn | 1.50% | Earns online/offline rate; 2% + GST markup |
| SpiceJet Axis Bank Voyage Black Axis Bank | full earn | 1.50% | International spends earn the base 6 SC/₹200 = 1.5%; 3.5% markup + 1.5% DCC |
| Titan SBI Card SBI Card | full earn | 1.50% | International spend earns the 6 points per ₹100 base against a 3.5% markup, and eats the same 6,000-point monthly ceiling |
| Emirates Skywards ICICI Bank Sapphiro ICICI Bank | full earn | 1.35% | 1.5 Skywards Miles/₹100 on international; 3.5%+GST markup |
| RBL iGlobe RBL Bank | full earn | 1.25% | 10 RP/₹100 (2X) on international spends — the NRI card's whole pitch; 1.5% markup nets ~+1% |
| RBL Insignia Preferred Banking World Card RBL Bank | full earn | 1.25% | 10 RP/₹100 (2X) on international spends — the card's headline band; 1.5% markup nets it to ~1% |
| Amex Platinum Charge American Express | full earn | 1.25% | 1 MR/₹40; 3.5%+GST markup |
| Club Vistara SBI Card SBI Card | full earn | 1.20% | International spend accrues 3 CV Points per ₹200 like anything else, against a 3.5% markup |
| KrisFlyer SBI Card SBI Card | full earn | 1.10% | International spends earn 2.5 miles/₹100 (5/₹200); 3.5%+GST markup |
| HDFC Diners Club Privilege HDFC Bank | full earn | 1.00% | Full base RP; 3.5%+GST markup |
| SBI Card MILES PRIME SBI Card | full earn | 1.00% | 2/₹200 (4/₹200 if travel MCC); 2.5%+GST markup — T&C warns MCC mapping is 'best effort' |
| HSBC RuPay Cashback HSBC | full earn | 1.00% | 1% cashback — HSBC's exclusions are MCC-based with no currency test, and the card is accepted in over 160 countries through JCB. Against a 3.5% markup, though, a foreign swipe loses two and a half points of value even before the ₹400 ceiling bites. The 0% markup advertised on the product page is a promotion that ends 31 Aug 2026 |
| IDBI Bank LIC Eclat Select IDBI Bank | full earn | 1.00% | 4 Delight Points per ₹100 (1.0%), the best base rate IDBI pays on international spend too — the exclusion annexure is MCC-based and carries no currency test — but against a 3.5% cross-currency markup, which swamps the earn |
| Axis Bank SELECT Axis Bank | full earn | 1.00% | Earns the base 10 EDGE/₹200 (no international accelerator on Select); 3.5% + GST markup plus a 1.5% DCC markup |
| Adani One ICICI Bank Platinum ICICI Bank | full earn | 1.00% | 1.5 per ₹100 — half again the domestic rate, the T&C's own international row — against the 3.5% + GST ICICI standard markup, which this card carries no exception to |
| IndiGo SBI Card ELITE SBI Card | full earn | 1.00% | Base 2 BluChips/₹100; 3.5%+GST markup |
| IndiGo Kotak Premium Credit Card Kotak Mahindra Bank | full earn | 1.00% | International spends earn the 2 BluChips/₹100 base; 3.5% markup applies |
| IndiGo Axis Bank Premium Credit Card Axis Bank | full earn | 1.00% | Base 2 BluChips/₹100; 2.5%+GST markup |
| SBI Card MILES ELITE SBI Card | full earn | 1.00% | 2/₹200 (6/₹200 if travel MCC); 1.99%+GST markup — but T&C warns MCC mapping is 'best effort' |
| MakeMyTrip ICICI Bank ICICI Bank | full earn | 1.00% | 1% myCash + 0.99%+GST markup — roughly net-zero abroad, the honest headline |
| Axis Bank Privilege Axis Bank | full earn | 1.00% | Axis states the 10-per-₹200 rate applies domestically AND internationally, but 3.5% forex plus a 1.5% dynamic-currency-conversion markup swamps a 1% earn |
| RBL Signature Banking RBL Bank | full earn | 1.00% | No international accelerator — foreign spend earns the 1% base cashback and pays RBLs up-to-3.5% markup |
| RBL Aspire Banking RBL Bank | full earn | 1.00% | No international accelerator — foreign spend earns the 1% base cashback and pays RBLs up-to-3.5% markup |
| RBL Apex RBL Bank | full earn | 1.00% | No international accelerator — foreign spend earns the 1% base cashback and pays RBLs up-to-3.5% markup |
| ICICI Bank Emeralde ICICI Bank | full earn | 1.00% | 4 RP per ₹100 against a 2% markup — the MITC's Emeralde-family exception, down from the 3.5% every other ICICI card pays |
| LIC IDFC FIRST Select IDFC FIRST Bank | full earn | 1.00% | 5 RP/₹125, the same rate as at home, against the full 3.5% bank-standard markup |
| Flipkart SBI Card SBI Card | full earn | 1.00% | International spend earns the 1% base against a 3.5% foreign-currency markup — a 2.5-point net loss on every foreign swipe. None of the accelerated merchants is a foreign one |
| Swiggy Ornge HDFC Bank Credit Card HDFC Bank | full earn | 1.00% | Earns the 1% base, against a 3.5% foreign-currency markup and a further 1.75% dynamic-currency-conversion markup from 15 May 2026 |
| Swiggy BLCK HDFC Bank Credit Card HDFC Bank | full earn | 1.00% | Earns the 1% base, against a 3.5% foreign-currency markup and a further 1.75% dynamic-currency-conversion markup from 15 May 2026 |
| RBL Paisabazaar Duet RBL Bank | full earn | 1.00% | International spend earns the full 1% with RBL's 3.5% currency-conversion assessment on top (MITC) — a net loss of about 2.5% |
| RBL Paisabazaar Duet Plus RBL Bank | full earn | 1.00% | 1% cashback on international spend — 2.5% if it is a travel or dining merchant — against RBL's 3.5% currency-conversion assessment (MITC), so the card loses money abroad either way |
| AU Altura Credit Card AU Small Finance Bank | full earn | 1.00% | 1% cashback on international spend against a 3.49% cross-currency markup (MITC, 7-Jul-2026) — a net loss of about 2.5%. AU's fair-usage fees do not apply to international transactions |
| SBM MobiKwik First Credit Card SBM Bank (India) | full earn | 1.00% | Foreign spend is on no exclusion list and earns the flat 1% — against a 3% markup, so it loses two points net |
| CUB CSK Master World City Union Bank | full earn | 1.00% | §2.3 states the international rate explicitly and identically to the domestic one — "Earn 1 RP per ₹100 spent (International Transactions)" — and foreign spend is on no exclusion list. It runs against a 0% markup on this variant, so the earn is kept rather than eaten. Note the one forex-shaped exception: MCC 6051, foreign currency purchase, is excluded under the Cash Transactions group |
| CUB SRH Master World City Union Bank | full earn | 1.00% | 1 RP per ₹100 on international transactions, the same as domestic, against a 0% foreign-currency markup. MCC 6051, foreign currency purchase, is excluded under Cash Transactions |
| IndianOil RBL Bank XTRA Credit Card RBL Bank | full earn | 1.00% | Foreign spend is on no exclusion list and earns the base 2 Fuel Points per ₹100 — but against a 3.5% + GST markup, so the 1% back never covers it |
| Amex Platinum Travel American Express | full earn | 1.00% | 1 MR/₹50; 3.5%+GST markup |
| Amex Membership Rewards Card American Express | full earn | 1.00% | 1 MR/₹50; 3.5%+GST markup |
| Amex Platinum Reserve American Express | full earn | 1.00% | 1 MR/₹50; 3.5%+GST markup |
| PNB LUXURA Metal (RuPay) Punjab National Bank | full earn | 1.00% | Nil forex markup — PNB's Key Fact Statement names the two LUXURA metals as the only carve-out from its 3.5% line. Foreign spend earns the ordinary 4 Reward Points per ₹100 (12 per ₹100 if the merchant codes as travel or dining) with no conversion penalty |
| PNB LUXURA Metal (Visa Infinite) Punjab National Bank | full earn | 1.00% | Nil forex markup — PNB's Key Fact Statement names the two LUXURA metals as the only carve-out from its 3.5% line. Foreign spend earns the ordinary 4 Reward Points per ₹100 (12 per ₹100 if the merchant codes as travel or dining) with no conversion penalty |
| Amex Gold Charge American Express | full earn | 1.00% | 1 MR/₹50; 3.5%+GST markup |
| Paytm SBI Card SELECT SBI Card | full earn | 1.00% | International spend earns the 1% base against a 3.5% foreign-currency markup. The 5% travel tier is Paytm-app bookings, not foreign swipes |
| Paytm SBI Card SBI Card | full earn | 1.00% | International spend earns the 1% base against a 3.5% markup — the 3% Paytm Travel tier is app bookings in rupees, not foreign swipes |
| HDFC Regalia HDFC Bank | full earn | 1.00% | Full 4 RP/₹200 (post-15-May-2026); 3.5% + GST markup, per the card's own product page |
| Emirates Skywards ICICI Bank Rubyx ICICI Bank | full earn | 0.90% | 1 Skywards Mile per ₹100, the same rate as domestic, against a 3.5% + GST markup |
| Marriott Bonvoy HDFC Bank HDFC Bank | full earn | 0.86% | Base 2 pts/₹150; 3.5% forex markup makes it poor abroad |
| IndusInd Tiger IndusInd Bank | full earn | 0.80% | Full slab earn; 1.5% + GST markup — one of the cheapest forex rates on a free card |
| IndusInd Legend IndusInd Bank | full earn | 0.80% | Base 1 RP/₹100; low 1.8% forex markup |
| IRCTC SBI Card Premier SBI Card | full earn | 0.80% | Base 1 RP/₹125; 3.5%+GST markup — RuPay, poor international acceptance |
| IRCTC SBI Platinum Card SBI Card | full earn | 0.80% | International spend earns the same 1 point per ₹125 the T&C grants domestic spend — but at a 3.5% markup the earn is nowhere near the cost |
| IndusInd Pinnacle World IndusInd Bank | full earn | 0.80% | Base 1 RP/₹100; 3.5% forex markup |
| IndusInd Pioneer Heritage IndusInd Bank | full earn | 0.80% | 2.5 RP/₹100 international; 1.8% markup |
| Flipkart Axis Bank Super Elite Axis Bank | full earn | 0.80% | International spends earn the base 2 SuperCoins/₹100; 3.5% markup + 1.5% DCC |
| Axis Bank Vistara Credit Card Axis Bank | full earn | 0.80% | 2 Maharaja Points per ₹200 — the revision says holders "may continue using the card for domestic & international transactions" and earn on all eligible spends |
| BOBCARD Eterna BOBCARD (Bank of Baroda) | full earn | 0.75% | International spends earn the 15 RP/₹100 (3.75%) accelerated rate; 2% + GST markup |
| IDBI Bank Euphoria World IDBI Bank | full earn | 0.75% | 3 Delight Points per ₹100 (0.75%) on international spend too — the exclusion annexure is MCC-based and carries no currency test — but against a 3.5% cross-currency markup, which swamps the earn |
| IDBI Bank Royale Signature IDBI Bank | full earn | 0.75% | 3 Delight Points per ₹100 (0.75%) on international spend too — the exclusion annexure is MCC-based and carries no currency test — but against a 3.5% cross-currency markup, which swamps the earn |
| AU Zenith AU Small Finance Bank | full earn | 0.75% | 5 RP/₹100 on international (accelerated) + 1.99% markup |
| SpiceJet Axis Bank Voyage Axis Bank | full earn | 0.75% | International spends earn the base 3 SC/₹200 = 0.75%; 3.5% markup + 1.5% DCC |
| ICICI Bank Expressions ICICI Bank | full earn | 0.75% | 3 RP per ₹100 against a 3.5% + GST markup — the MITC names no Expressions exception |
| IDFC FIRST WOW! Black IDFC FIRST Bank | full earn | 0.67% | Zero forex markup AND the full 4 RP/₹150 on international spends — the product guide prints both on the same page, and it is the entire case for this card |
| HSBC Platinum HSBC | full earn | 0.67% | 2 reward points per ₹150 — HSBC's exclusion table is MCC-based with no currency test — but against a 3.5% markup, so foreign spend costs more in markup than the 1.33% it earns back |
| HSBC RuPay Platinum HSBC | full earn | 0.67% | 2 reward points per ₹150 — HSBC's exclusion table is MCC-based with no currency test — but against a 3.5% markup, so foreign spend costs more in markup than the 1.33% it earns back |
| IndianOil HDFC Bank Credit Card HDFC Bank | full earn | 0.64% | International spends earn the base 1 Fuel Point per ₹150; the foreign-currency fee is 3.5% + GST, which swamps a 0.64% earn several times over. HDFC's Key Fact Statement names only Infinia (2%) and 6E Rewards Indigo XL (2.50%) as exceptions to the 3.50% column, and this card is not one |
| MakeMyTrip ICICI Bank Signature ICICI Bank | full earn | 0.63% | ₹1.50 myCash per ₹200 vs ₹1.25 domestic — but at the full 3.5% + GST markup, because the MITC carves this variant out of the 0.99% MakeMyTrip exception by name |
| IndusInd Platinum IndusInd Bank | full earn | 0.60% | 3.5% foreign-currency markup and no international accelerator, plus a 2% dynamic-currency-conversion fee from 15 Jun 2026 on rupee-billed transactions abroad |
| IndusInd Platinum RuPay IndusInd Bank | full earn | 0.60% | 3.5% foreign-currency markup, confirmed in the card's own FAQ, plus a 2% dynamic-currency-conversion fee from 15 Jun 2026 |
| CUB CSK Master Platinum City Union Bank | full earn | 0.60% | CUB states no separate international rate for this variant — only the Master World's §2.3 spells one out — so foreign spend earns the 1 RP per ₹125 base and is on no exclusion list. It runs against the KFS's FULL 3.5% markup, because the 0% exemption names "(CSK/SRH Master World Variant)" alone, so the earn is eaten several times over. One forex-shaped exception: MCC 6051, foreign currency purchase, is excluded under the Cash Transactions group |
| CUB SRH Master Platinum City Union Bank | full earn | 0.60% | The 1 RP per ₹125 base applies abroad — CUB publishes no separate international rate for this variant — against the KFS's full 3.5% markup, which the 0% exemption reserves for the Master World. MCC 6051, foreign currency purchase, is excluded under Cash Transactions |
| IDBI Bank Winnings IDBI Bank | full earn | 0.50% | 2 Delight Points per ₹100 (0.5%) on international spend too — the exclusion annexure is MCC-based and carries no currency test — but against a 3.5% cross-currency markup, which swamps the earn |
| TVS Credit RBL Bank Gold RBL Bank / TVS Credit | full earn | 0.50% | 10 RP per ₹100 on international purchases — 5x the domestic rate, with no ceiling on a month's earn stated anywhere in the T&C. The up-to-3.5% markup still applies |
| IDFC FIRST WOW! IDFC FIRST Bank | full earn | 0.50% | 0% markup AND the full 4 RP/₹200 on international spends — the whole reason this card exists |
| IndiGo SBI Card SBI Card | full earn | 0.50% | Base 1 BluChip/₹100; 3.5%+GST markup |
| IndiGo Kotak Credit Card Kotak Mahindra Bank | full earn | 0.50% | International spends earn the 1 BluChip/₹100 base; 3.5% markup applies |
| RBL Icon RBL Bank | full earn | 0.50% | 20 RP/₹100 (≈5%, capped 2,000 RP/month) on international; 3.5% markup nets it to ~1.5% |
| RBL Platinum Edge RBL Bank | full earn | 0.50% | No international accelerator — foreign spend earns the base 2 RP per ₹100 and pays RBLs up-to-3.5% markup |
| SBI Card ELITE SBI Card | full earn | 0.50% | International spend earns the 2 points per ₹100 base — 0.5% against ELITE's reduced 1.99% markup, which is the best forex ratio in SBI's range and still a loss |
| MakeMyTrip ICICI Bank Platinum ICICI Bank | full earn | 0.50% | ₹1.25 myCash per ₹200 vs ₹1.00 domestic — international spend earns MORE here, which is rare — but against a 3.5% markup, not the 0.99% the flagship MakeMyTrip card gets |
| AU Ananta AU Small Finance Bank | full earn | 0.50% | Earns per category table, but the 3.49%+GST markup swallows any earn several times over |
| Kotak NRI Royale Signature Kotak Mahindra Bank | full earn | 0.50% | Double the domestic rate — 2 Reward Points per ₹200 on spends outside India against 1 per ₹200 within it, so 1% abroad versus 0.5% at home. It still pays the standard 3.5% foreign-currency markup, which is the part the product page does not put next to the doubled earn |
| SBI Card PRIME SBI Card | full earn | 0.50% | International spend earns the 2 points per ₹100 base — 0.5% against a 3.5% markup, PRIME being outside SBI's reduced-markup tier |
| IndiGo Axis Bank Credit Card Axis Bank | full earn | 0.50% | Base 1 BluChip/₹100; 3.5%+GST markup |
| SBI Card MILES SBI Card | full earn | 0.50% | 1/₹200 (2/₹200 if travel MCC); 3%+GST markup — the worst forex of the MILES range |
| ICICI Sapphiro ICICI Bank | full earn | 0.50% | 4 RP/₹100 international (2x domestic rate); 3.5%+GST markup |
| ICICI Bank Rubyx ICICI Bank | full earn | 0.50% | 4 RP/₹100 on international (2x domestic); 3.5%+GST markup |
| AU Vetta AU Small Finance Bank | full earn | 0.50% | 2 RP/₹100 + 2.99% markup — the highest of AU's travel cards |
| IRCTC RBL Bank Credit Card RBL Bank | full earn | 0.50% | No international accelerator — foreign spend earns the base 1 RP per ₹200 and pays RBLs up-to-3.5% markup |
| IRCTC BOBCARD BOBCARD (Bank of Baroda) | full earn | 0.50% | Earns base 2 RP/₹100; 3.5% forex markup |
| SBI Card PULSE SBI Card | full earn | 0.50% | International spend earns the 2 points per ₹100 base against a 3.5% markup |
| Standard Chartered EaseMyTrip Standard Chartered | full earn | 0.50% | Base 2 RP/₹100; 3.5% + GST markup |
| ICICI Bank Coral ICICI Bank | full earn | 0.50% | 2 RP per ₹100, the same rate as domestic, against a 3.5% + GST markup |
| ICICI Bank HPCL Super Saver ICICI Bank | full earn | 0.50% | 2 RP per ₹100 — the T&C's own table prices domestic and international identically — against a 3.5% + GST markup |
| AU Bank NOMO Credit Card AU Small Finance Bank | full earn | 0.50% | 2 RP/₹100 on international spend behind a 0.99% cross-currency markup — the lowest band AU charges, shared only with Zenith+ and Traverse (MITC, 7-Jul-2026). AU's fair-usage fees do not apply to international transactions, which makes this the one AU card where foreign spend is close to break-even |
| IDFC FIRST HPCL Power+ IDFC FIRST Bank | full earn | 0.50% | 3 RP/₹150, the same rate as at home, against the full 3.5% bank-standard markup |
| Reliance SBI Card PRIME SBI Card | full earn | 0.50% | International spend is one of this card's accelerated categories at 5 Reward Points per ₹100 (1.25%) — real, but still well under the 3.5% foreign-currency markup it is paying |
| Landmark Rewards SBI Card PRIME SBI Card | full earn | 0.50% | International spend is one of this card's accelerated categories at 10 points per ₹100 (2.5%) — better than the 3.5% markup it pays, and the only travel-shaped thing this card earns on |
| ICICI Bank HPCL Coral Credit Card ICICI Bank | full earn | 0.50% | 2 Reward Points per ₹100 on international spend against ICICI's 3.5% + GST cross-currency markup; the MITC names no HPCL Coral exception on forex |
| ICICI Bank Platinum Chip Credit Card ICICI Bank | full earn | 0.50% | 2 Reward Points per ₹100 on international spend, against ICICI's 3.5% + GST cross-currency markup — the MITC names no Platinum Chip exception, so the earn recovers about a seventh of the markup |
| IndianOil Kotak Credit Card Kotak Mahindra Bank | full earn | 0.50% | Base 3 Reward Points per ₹150. Kotak charges 3.50% as a foreign-currency markup AND a separate 3.50% dynamic-currency-conversion fee — the same rate on both legs, which is unusually steep |
| ICICI Bank Coral against FD ICICI Bank | full earn | 0.50% | 2 RP per ₹100, the same rate as domestic, against a 3.5% + GST mark-up |
| ICICI Bank NRI Coral ICICI Bank | full earn | 0.50% | Base rate, the same as domestic, against a 3.5% + GST markup — and foreign spending is the whole premise of an NRI card, so this is the line that stings. |
| Axis Bank Shoppers Stop Credit Card Axis Bank | full earn | 0.50% | Foreign spend is on neither exclusion list, so it earns the same base rate as at home — against a 3.5% markup, plus a dynamic-currency-conversion markup that rises from 1.5% to 3.5% on 28 August 2026 |
| RBL Platinum Delight RBL Bank | full earn | 0.50% | International spend earns 2 RP/₹100 (4 at weekends) and counts toward the ₹2 lakh waiver; RBL's 3.5% currency-conversion assessment applies on top (MITC) |
| RBL Platinum Max RBL Bank | full earn | 0.50% | International spend earns the base 2 RP/₹100; RBL's standard 3.5% currency-conversion assessment applies on top, and it also applies to rupee transactions at merchants registered overseas (MITC) |
| RBL Platinum Prime RBL Bank | full earn | 0.50% | Base 2 RP/₹100 on international spend, with RBL's 3.5% currency-conversion assessment on top (MITC) |
| IndianOil RBL Bank Credit Card RBL Bank | full earn | 0.50% | Foreign spend is on no exclusion list and earns the base 1 Fuel Point per ₹100 — but against a 3.5% + GST markup, so the 0.5% back never covers it |
| RBL World Prime RBL Bank | full earn | 0.50% | No international accelerator — foreign spend earns the base 2 RP per ₹100 and pays RBLs up-to-3.5% markup |
| RBL World Max RBL Bank | full earn | 0.50% | No international accelerator — foreign spend earns the base 2 RP per ₹100 and pays RBLs up-to-3.5% markup |
| KVB SBI Signature Card SBI Card | full earn | 0.50% | International spend earns the 2 points per ₹100 base against a 3.5% markup |
| KVB SBI Platinum Card SBI Card | full earn | 0.50% | International spend is one of this card's accelerated categories at 10 points per ₹100 (2.5%) — a rare case where the accelerator actually outruns the 3.5% markup, until the 7,500-point monthly ceiling lands |
| South Indian Bank SBI Platinum Card SBI Card | full earn | 0.50% | International spend is one of this card's accelerated categories at 10 points per ₹100 (2.5%), which beats the 3.5% markup until the 7,500-point monthly ceiling lands |
| RBL Bank Black RBL Bank / MWYN Tech (MoneyTap) | full earn | 0.50% | No international accelerator — foreign spend earns the base 2 RP per ₹100 and pays RBLs up-to-3.5% markup |
| Kotak Privy League Signature Kotak Mahindra Bank | full earn | 0.50% | Base 2 RP/₹100; 2%+GST markup (paid variant) |
| Chennai Super Kings ICICI Bank ICICI Bank | full earn | 0.50% | 2 RP per ₹100 — the card's own earn table prices domestic and international identically — against a 3.5% + GST markup |
| Apollo SBI Card SELECT SBI Card | full earn | 0.45% | International spend earns the base rate against a 3.5% foreign-currency markup, and Health Credits are spendable only inside the Apollo estate — so a foreign swipe here is the worst of both |
| IDFC FIRST Wealth IDFC FIRST Bank | full earn | 0.38% | Full 3X/10X earn + 1.5% forex markup (low, not zero); app travel gets 33%/13% bonus RP |
| IDFC FIRST Select IDFC FIRST Bank | full earn | 0.38% | 1.99% markup — but international purchases are a 10X category since 18-Jun-2026, so 10 RP/₹200 ≈ 1.25% partly offsets it |
| IDFC FIRST Millennia IDFC FIRST Bank | full earn | 0.38% | International purchases are a 10X category — 10 RP/₹200 ≈ 1.25% — against a 3.5% markup |
| IDFC FIRST Classic IDFC FIRST Bank | full earn | 0.38% | International purchases are a 10X category — 10 RP/₹200 ≈ 1.25% — but against the 3.5% markup Classic carries, so the trip still costs more than it earns |
| HPCL ENERGIE BOBCARD BOBCARD (Bank of Baroda) | full earn | 0.33% | Core 2 RP/₹150 only — HPCL Energie's accelerated table is fuel, utilities and departmental stores, with no international flag anywhere in it, and the markup is the standing 3.5% |
| Kotak Royale Signature Kotak Mahindra Bank | full earn | 0.33% | International spend is on this card's ACCELERATED list at 4 Reward Points per ₹150 — double the base — but it pays a 3.5% markup to get there, so the accelerator does not come close to covering the cost |
| CUB CSK RuPay Platinum City Union Bank | full earn | 0.33% | The 1 RP per ₹150 base applies abroad — CUB publishes no separate international rate for this variant — against the KFS's full 3.5% markup, which the 0% exemption reserves for the Master World. MCC 6051, foreign currency purchase, is excluded under Cash Transactions |
| CUB SRH RuPay Platinum City Union Bank | full earn | 0.33% | The 1 RP per ₹150 base applies abroad, against the KFS's full 3.5% markup — the 0% exemption names the Master World variant alone. MCC 6051 is excluded under Cash Transactions |
| Axis Bank REWARDS Axis Bank | full earn | 0.32% | 2 EDGE REWARD Points per ₹125, the same rate as at home, against a 3.5% markup |
| Kotak League Platinum Kotak Mahindra Bank | full earn | 0.27% | International spend earns the ordinary grid — it is not one of the six named special categories — against a 3.5% markup |
| RBL World Safari Plus RBL Bank | full earn | 0.25% | Zero markup — RBLs Schedule of Charges carves the whole Safari family out of the 3.5% forex line ("0% on World Safari Plus Credit Card"). Foreign spend earns the ordinary 1 RP per ₹100 unless it is travel booked on the rewards portal |
| RBL Bank Patanjali Swarn RBL Bank / Patanjali | full earn | 0.25% | RBL publishes no separate international rate for this card — treated as the base 1 RP per ₹100 at the up-to-3.5% markup (inferred, flag) |
| TVS Credit RBL Bank RBL Bank / TVS Credit | full earn | 0.25% | No international accelerator — foreign spend earns the ordinary channel rate and pays RBLs up-to-3.5% markup |
| RBL Bank Blockbuster RBL Bank / BookMyShow | full earn | 0.25% | No international accelerator on this card — foreign spend earns the base 1 RP per ₹100 and pays RBLs up-to-3.5% markup |
| BPCL SBI Card OCTANE SBI Card | full earn | 0.25% | International spend earns the 1 point per ₹100 base — 0.25% back against a 3.5% foreign-currency markup, a 14-to-1 loss. Nothing on this card accelerates abroad; the 25X is BPCL pumps in India |
| Federal Bank Celesta Federal Bank | full earn | 0.25% | International spends earn the 3X (0.75%) travel/international rate; 2% markup |
| SimplyCLICK SBI Card SBI Card | full earn | 0.25% | International spend earns the base rate, but the 10X is INR-only by SBI's own clause (a) — so a foreign-currency booking at a partner earns nothing extra, against a 3.5% markup |
| AU Zenith+ AU Small Finance Bank | full earn | 0.25% | 2 RP/₹100 on international (accelerated) + 0.99% markup — the lowest AU forex |
| Kotak811 Dream Different Kotak Mahindra Bank | full earn | 0.25% | 2% foreign-currency markup — the RCAS puts Dream Different on the reduced list with Kotak Infinite, White Reserve and the Air+ cards, against 3.50% for the rest of the shelf. Dynamic currency conversion dropped from 3.5% to 2% on 1 September 2026, per the same agreement's "2% for Dream Different Credit Card effective 1st Sept, 2026" |
| RBL Platinum ShopGain RBL Bank | full earn | 0.25% | International spend earns the ordinary rate with RBL's 3.5% currency-conversion assessment on top (MITC) |
| RBL Platinum Plus RBL Bank | full earn | 0.25% | 1 RP/₹100 on international spend, 2 RP/₹100 if it settles as an online transaction; RBL's 3.5% currency-conversion assessment applies on top (MITC) |
| RBL Platinum Choice RBL Bank | full earn | 0.25% | 1 RP/₹100 on international spend with the 3.5% currency-conversion assessment on top (MITC) |
| RBL Platinum Advantage RBL Bank | full earn | 0.25% | 1 RP/₹100 on international spend with RBL's 3.5% currency-conversion assessment on top (MITC) |
| RBL Binge RBL Bank | full earn | 0.25% | 1 RP/₹100 on international spend with RBL's 3.5% currency-conversion assessment on top (MITC) |
| RBL Shoprite RBL Bank | full earn | 0.25% | Base 2 RP/₹100 on international spend, counting toward the waiver, with RBL's 3.5% currency-conversion assessment on top (MITC) |
| RBL Movies and More RBL Bank | full earn | 0.25% | 1 RP/₹100 on international spend, counting toward both milestones, with the 3.5% currency-conversion assessment on top (MITC) |
| RBL Patanjali Vishisht RBL Bank | full earn | 0.25% | Base 1 RP/₹100 on international spend with RBL's 3.5% currency-conversion assessment on top (MITC) |
| RBL Bank DMI Finance RBL Bank | full earn | 0.25% | International spend earns the ordinary rate and counts toward the milestone, with RBL's 3.5% currency-conversion assessment on top (MITC) |
| RBL BankBazaar SaveMax RBL Bank | full earn | 0.25% | Base 1 RP/₹100 on international spend with RBL's 3.5% currency-conversion assessment on top (MITC) |
| AU LIT Credit Card AU Small Finance Bank | full earn | 0.25% | 1 RP/₹100 on international spend, and AU's fair-usage fees explicitly do not apply to international transactions — but LIT carries a 3.49% cross-currency markup (MITC, 7-Jul-2026), the highest band AU charges, so the earn does not begin to cover it |
| AU Altura Plus Credit Card AU Small Finance Bank | full earn | 0.25% | The ordinary rate on international spend, against a 3.49% cross-currency markup (MITC, 7-Jul-2026). AU's fair-usage fees do not apply to international transactions |
| Paisabazaar Step-Up SBM Credit Card SBM Bank (India) | full earn | 0.25% | Foreign spend is on no exclusion list and earns the base 0.25%, against a 3.5% markup — the worst trade on this card by a distance |
| Indian Overseas Bank RuPay Select Indian Overseas Bank | full earn | 0.25% | 2.50% conversion fee on international transactions — a point under the 3.5% Indian norm — applied to the INR amount VISA/Mastercard/RuPay convert at. No separate earn rate is published for foreign spend, so the ordinary rate is assumed to apply. The card is not valid for foreign-currency transactions in Nepal or Bhutan |
| Indian Overseas Bank RuPay Platinum Indian Overseas Bank | full earn | 0.25% | 2.50% conversion fee on international transactions, a point under the 3.5% Indian norm. No separate earn rate is published for foreign spend. The card is not valid for foreign-currency transactions in Nepal or Bhutan |
| IndianOil Axis Bank Credit Card Axis Bank | full earn | 0.20% | International spends earn the base 1 EDGE REWARD Point per ₹100 — 0.2% — against a 3.5% foreign-currency fee and a 1.5% dynamic-currency-conversion markup. This is a domestic card in every practical sense |
| RBL Bank SalarySe UP RBL Bank | full earn | 0.20% | 1 RP/₹100 on international spend, counting toward the waiver, with RBL's 3.5% currency-conversion assessment on top (MITC) |
| RBL Cookies RBL Bank | full earn | 0.20% | International spend earns the ordinary rate with RBL's 3.5% currency-conversion assessment on top (MITC) |
| OneCard Metal OneCard (issued via partner banks) | full earn | 0.20% | Earns base rate; 1% + GST markup — the card's whole pitch |
| IOB Gold Credit Card Indian Overseas Bank | full earn | 0.20% | 2.50% conversion fee on international transactions, a point under the 3.5% Indian norm — the single most useful thing on this card. No separate cashback rate is published for foreign spend. Not valid for foreign-currency transactions in Nepal or Bhutan |
| IOB Classic Credit Card Indian Overseas Bank | full earn | 0.20% | 2.50% conversion fee on international transactions, a point under the 3.5% Indian norm. No separate cashback rate is published for foreign spend. Not valid for foreign-currency transactions in Nepal or Bhutan |
| Indian Overseas Bank RuPay Classic Indian Overseas Bank | full earn | 0.17% | 2.50% conversion fee on international transactions, a point under the 3.5% Indian norm. No separate earn rate is published for foreign spend. The card is not valid for foreign-currency transactions in Nepal or Bhutan |
| Axis Bank NEO Axis Bank | full earn | 0.10% | 1 EDGE REWARD Point per ₹200, the same as at home, against a 3.5% markup plus a 1.5% dynamic-currency-conversion markup — the worst pairing on the card |
| RBL MyFirst RBL Bank | full earn | 0.06% | Base rate on international spend with RBL's 3.5% currency-conversion assessment on top (MITC) |
| RBL EasySaver RBL Bank | full earn | 0.06% | Base 1 RP per ₹400 on international spend with RBL's 3.5% currency-conversion assessment on top (MITC) |
| RBL Platinum LifeEasy RBL Bank | full earn | — | RBL publishes no international rate and no base rate for this card — nothing to state beyond the up-to-3.5% markup (flag) |
| DCB PayLess Select Credit Card DCB Bank | full earn | — | Counts toward the quarterly ₹1,00,000 like any other purchase, against a 3.5% cross-currency markup. The card's overseas value is the one international lounge visit a year, not the spend |
| DCB PayLess Platinum Credit Card DCB Bank | full earn | — | Foreign spend is on no exclusion list, so it counts toward the quarterly ₹50,000 like any other purchase — against a 3.5% cross-currency markup, which is a long way past anything a ₹250 quarterly cheque can pay back |
| Standard Chartered Smart Standard Chartered | capped | 1.00% | Foreign spend is on no exclusion list and earns whichever channel rate applies, inside the same monthly ceilings — against a 3.5% overseas transaction fee, so the cashback never covers the markup |
| PhonePe SBI Card SELECT BLACK SBI Card | capped | 1.00% | International spend earns the 1 point per ₹100 base against the 2,000-point monthly "other spends" ceiling, and pays a 3.5% markup for the privilege |
| BOBCARD Tiara BOBCARD (Bank of Baroda) | capped | 0.75% | 15 RP/₹100 on international spend, but the accelerated bucket stops at 5,000 RP a statement cycle — about ₹33,000 of accelerated spend, shared with dining (5812) and travel (4722) — after which international spend earns core 3 RP/₹100. Markup is 2%, one of only six BOBCARDs inside that carve-out |
| RBL Platinum Maxima RBL Bank | capped | 0.50% | 10 RP per ₹100 on international purchases, sharing the same 1,000-point monthly ceiling as dining, entertainment and grocery; the up-to-3.5% markup applies on top |
| RBL Platinum Maxima Plus RBL Bank | capped | 0.50% | 10 RP per ₹100 on international purchases, sharing the same 1,000-point monthly ceiling as dining, entertainment and grocery; the up-to-3.5% markup applies on top |
| BOBCARD Premier BOBCARD (Bank of Baroda) | capped | 0.50% | 10 RP/₹100 on international spend, but the accelerated bucket stops at 2,000 RP a statement cycle — about ₹20,000 of accelerated spend, shared with dining (5812) and travel (4722), the tightest ceiling on the BOBCARD shelf — after which it is core 2 RP/₹100. Markup is the standing 3.5%; Premier is not in the 2% carve-out |
| RBL World Plus RBL Bank | capped | 0.50% | 20 RP per ₹100 on international spend — 10x, and the best forex earn on RBLs legacy shelf — capped at 2,000 points a month (about ₹10,000 of foreign spend). RBLs up-to-3.5% markup still applies; this is not a zero-forex card |
| IDFC FIRST Private IDFC FIRST Bank | reduced | 3.33% | 5 RP/₹150 on eligible international spends vs 10 RP/₹150 domestic (~3.33% at the ₹1 app-travel value) — half the domestic rate, but the forex markup is 0% |
| IDFC FIRST Gaj IDFC FIRST Bank | reduced | 2.00% | 0% forex markup, but the EARN drops: 3 RP/₹150 on international transactions vs the 5 RP/₹150 domestic base. IDFC counts INR-billed DCC and India-transacted spends on overseas-registered merchants as international too |
| IDFC FIRST Ashva IDFC FIRST Bank | reduced | 1.33% | Fixed 5 RP/₹150 on international spends vs the 5 RP/₹150 domestic base (Jan-2026 rev — no 10X abroad, so the earn rate itself never drops), but they count toward the ₹20k trigger; 1% forex markup |
| Kotak Air+ Prime Kotak Mahindra Bank | earns nothing | — | International transactions earn no Air Miles at all, despite the low 2% markup — the markup buys cheap swipes, not miles |
| Kotak Air+ Kotak Mahindra Bank | earns nothing | — | International Transactions in the published no-earn list; 2% markup and no earn — avoid overseas |
| DBS Altitude DBS Bank India | earns nothing | — | "International Spends · All MCC codes · No Vantage Points" on the published table, matching the product page's "4 Vantage Points for every ₹200 spent within India"; an earning row higher up the same page is headed "Domestic & International Purchases", but that page is partly DBS Vantage boilerplate. Forex markup is 0% in Asia and 1% elsewhere — abroad the markup, not the earn, is the benefit |
| IDFC FIRST Diamond Reserve IDFC FIRST Bank | earns nothing | — | "Reward points will not be given on international spends" — the 0% forex markup applies to exactly the transactions that earn nothing |
| Scapia (Federal Bank) Federal Bank | earns nothing | — | Official: no coins on international spends — the 0% forex markup IS the reward (same trade as RBL World Safari) |
| ixigo AU AU Small Finance Bank | earns nothing | — | Official: no RP on international spends — the 0% forex markup IS the reward |
| HSBC Live+ HSBC | earns nothing | — | The trade HSBC made when it cut the markup to 1.99%: "1.5% cashback will no longer be earned on international spends" — foreign swipes are cheap here and earn nothing |
| Amazon Pay ICICI Bank ICICI Bank | earns nothing | — | Zero rewards on international transactions w.e.f. 11 Oct 2025 — you pay the 1.99% markup and earn nothing back. The single most expensive line in this card's T&C and the product page never mentions it. |
| Kotak Solitaire Kotak Mahindra Bank | earns nothing | — | No Air Miles on international transactions (official) — the 0% forex markup IS the reward, same shape as au-ixigo; corrected from full, 2026-07-22 |
| RBL World Safari RBL Bank | earns nothing | — | Official: NO reward points on international spends (exception: travel-MCC international still earns 5/₹100). The 0% forex markup IS the reward — worth ~3.5% vs typical cards |
| RBL World Safari Lite RBL Bank | earns nothing | — | No reward points on international spend; the 0% markup is what you get instead |
| Kotak White Reserve Kotak Mahindra Bank | earns nothing | — | No per-swipe points; 2%+GST markup (2% DCC) |
| BOBCARD Uni GoldX BOBCARD (Bank of Baroda) | earns nothing | — | The punchline of the card — Uni Coins do not accrue on international transactions at all, so the Nil forex markup buys a free swipe that pays nothing |
| YES Bank Zagg Credit Card YES Bank | earns nothing | — | No coins on foreign spend, and 3.50% + GST markup on top — plus YES Bank's separate 1% DCC charge if a foreign merchant bills you in rupees |
| ICICI Bank Parakram ICICI Bank | earns nothing | — | ZERO. The T&C's earn table reads "Insurance, utility and international spends — 0 (With effect from Apr 15, 2024)", against a 3.5% + GST mark-up on the same transaction |
| ICICI Bank Parakram Select ICICI Bank | earns nothing | — | ZERO. "Insurance, Utility and International spends — 0 (w.e.f Apr 15, 2024)" in the card's own T&C, against a 3.5% + GST mark-up |
| Utkarsh Eternal Credit Card Utkarsh Small Finance Bank | earns nothing | — | Earns NOTHING — 'Foreign Currency Purchase' is item 5 on the ineligible list, and the foreign-currency surcharge is 3% of the converted value — below India's 3.5% norm, but on spend that pays no cashback at all |
| Utkarsh Rhodium Credit Card Utkarsh Small Finance Bank | earns nothing | — | Earns NOTHING — 'Foreign Currency Purchase' is item 5 on the ineligible list, and the foreign-currency surcharge is 3% of the converted value — below India's 3.5% norm, but on spend that pays no cashback at all |
| Utkarsh SmartGen Credit Card Utkarsh Small Finance Bank | earns nothing | — | Earns NOTHING — 'Foreign Currency Purchase' is item 5 on the ineligible list, and the foreign-currency surcharge is 3% of the converted value — below India's 3.5% norm, but on spend that pays no cashback at all |
| Swiggy HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback — "Purchase of foreign currency" and travellers' cheques are on the exclusion list alongside cash advances, fees, interest and penalties |
| Suryoday SFB RuPay Platinum Suryoday Small Finance Bank | earns nothing | — | MCC 6051, "Foreign Currency Purchase", is on the exclusion table — a foreign-currency PURCHASE earns nothing. An ordinary overseas card transaction is a different thing and is not excluded, though it carries the 2.5% + GST foreign currency surcharge |
| Suryoday SFB RuPay Select Suryoday Small Finance Bank | earns nothing | — | MCC 6051, "Foreign Currency Purchase", is excluded. An ordinary overseas transaction is not, but carries the 2.5% + GST foreign currency surcharge |
| Scapia (BOBCARD) BOBCARD (Bank of Baroda) | earns nothing | — | Official: no coins on international spends — the 0% forex markup IS the reward |
| Kotak Air Kotak Mahindra Bank | n/a | — | International transactions are absent from Air's published no-earn list (Air+ excludes them explicitly), but Kotak does not confirm they earn — not published |
| Paisabazaar Paisa Plus Credit Card SBM Bank (India) | n/a | — | SBM's KFS prints "Forex Fee — N/A" for this card where every sibling prints a percentage, so we record no foreign-currency treatment at all rather than read the absence as a zero markup |
Best zero-forex & low-forex credit cards in India (2026)
The desk's call for the category — a different question from the podium above. The podium ranks what ₹100 of forex / international spends returns on a swipe today; this board ranks on forex markup , and 15 cards tie at the top. Same data, two views, and each says its own question.
Which Indian credit card has the lowest forex markup?
43 cards charge 0% — so the tie breaks on what the card costs you, and 15 of them do it for free: Scapia (Federal Bank), ixigo AU, IDFC FIRST WOW!, Niyo Global SBM Credit Card, Kotak Solitaire, IDFC FIRST Wealth, IDFC FIRST Select, BOBCARD Uni GoldX, IDFC FIRST Millennia, IDFC FIRST Classic, LIC IDFC FIRST Select, LIC IDFC FIRST Classic, IDFC FIRST Quantum+, CUB CSK Master World and CUB SRH Master World, level on both. Against the standard 3.5% + GST — ₹4,130 per ₹1L spent abroad — that is the difference between a card that taxes your holiday and one that doesn't. Every markup below is read off the issuer's own MITC, not its marketing page.
The standard Indian credit card takes 3.5% + GST on every foreign swipe — ₹4,130 quietly gone per ₹1L abroad. 43 cards charge 0% — so the tie breaks on what the card costs you, and 15 of them do it for free: Scapia (Federal Bank), ixigo AU, IDFC FIRST WOW!, Niyo Global SBM Credit Card, Kotak Solitaire, IDFC FIRST Wealth, IDFC FIRST Select, BOBCARD Uni GoldX, IDFC FIRST Millennia, IDFC FIRST Classic, LIC IDFC FIRST Select, LIC IDFC FIRST Classic, IDFC FIRST Quantum+, CUB CSK Master World and CUB SRH Master World, level on both. Every card below is ranked by its published MITC forex markup, cheapest first.
Verified through · Every record behind this board — every issuer MITC / fees-and-charges document on the desk — was last re-verified on 10 Jul 2026.
Ranks 1–15 of 433 · ranked by forex markup
| # | Card | forex markup | The math |
|---|---|---|---|
| 1 | Scapia (Federal Bank) | 0% | Nil — 0% markup (official KFS) · ₹0 per ₹1L abroad, GST in |
| 2 | ixigo AU | 0% | 0% — zero forex markup (AU's ixigo/travel carve-out; Ananta pays 3.49%, Zenith+ 0.99%) · ₹0 per ₹1L abroad, GST in |
| 3 | IDFC FIRST WOW! | 0% | Nil — 0% markup on foreign currency, DCC and static-currency-conversion transactions · ₹0 per ₹1L abroad, GST in |
| 4 | Niyo Global SBM Credit Card | 0% | Nil — "Forex MarkupFee — Nil (VISA exchange rates applicable)", restated in the KFS footnote as "Niyo or SBM Bank doesn't apply any markup on international (forex) transactions" · ₹0 per ₹1L abroad, GST in |
| 5 | Kotak Solitaire | 0% | 0% (zero forex markup) · ₹0 per ₹1L abroad, GST in |
| 6 | IDFC FIRST Wealth | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in |
| 7 | IDFC FIRST Select | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in |
| 8 | BOBCARD Uni GoldX | 0% | Nil — the schedule of charges prints Nil for both the forex markup and the foreign-currency conversion charge · ₹0 per ₹1L abroad, GST in |
| 9 | IDFC FIRST Millennia | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in |
| 10 | IDFC FIRST Classic | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in |
| 11 | LIC IDFC FIRST Select | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in |
| 12 | LIC IDFC FIRST Classic | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in |
| 13 | IDFC FIRST Quantum+ | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in |
| 14 | CUB CSK Master World | 0% | 0% of the transaction amount — CUB's KFS charges 3.5% across its card range and then exempts this variant by name, "0% of the transaction amount for (CSK/SRH Master World Variant)". The same row covers the DCC fee · ₹0 per ₹1L abroad, GST in |
| 15 | CUB SRH Master World | 0% | 0% of the transaction amount — CUB's KFS charges 3.5% across its card range and then exempts this variant by name, "0% of the transaction amount for (CSK/SRH Master World Variant)". The same row covers the DCC fee · ₹0 per ₹1L abroad, GST in |
the other 418 — ranks 16 to 433
| # | Card | forex markup | The math |
|---|---|---|---|
| 16 | IDFC FIRST HPCL Power | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in |
| 17 | IDFC FIRST HPCL Power+ | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in |
| 18 | IDFC FIRST WOW! Black | 0% | NIL — zero markup on foreign-currency transactions AND on dynamic/static currency conversion. Six IDFC cards get this and every other Indian issuer charges 2–3.5%. · ₹0 per ₹1L abroad, GST in |
| 19 | RBL World Safari Lite | 0% | Nil — 0% markup; RBL's charges table names World Safari Lite beside World Safari, World Safari Plus and Lumière at 0% against 3.5% standard · ₹0 per ₹1L abroad, GST in |
| 20 | IDFC FIRST Hello Cashback | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in |
| 21 | IDFC FIRST Ashva | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in |
| 22 | IDFC FIRST Diamond Reserve | 0% | Nil — 0% markup; the MITC table names Diamond Reserve beside FIRST Private, WOW!, WOW! Black, Mayura and Gaj at NIL · ₹0 per ₹1L abroad, GST in |
| 23 | RBL World Safari | 0% | Nil — 0% markup, a World Safari-specific carve-out (3.5% standard on RBL cards) · ₹0 per ₹1L abroad, GST in |
| 24 | BOBCARD Etihad Guest Premium | 0% | Nil — 0% markup, Premium-specific (the non-premium Etihad Guest pays 1%) · ₹0 per ₹1L abroad, GST in |
| 25 | IDFC FIRST Mayura | 0% | Nil — 0% markup on foreign currency and DCC transactions · ₹0 per ₹1L abroad, GST in |
| 26 | MakeMyTrip ICICI Bank | 0.99% | 0.99% + GST · ₹1,168 per ₹1L abroad, GST in |
| 27 | HSBC Premier (Metal) | 0.99% | 0.99% + GST · ₹1,168 per ₹1L abroad, GST in |
| 28 | CUB SalarySe Level UP | 1% | 1% of the transaction amount on the PAID/physical card — a quarter of the 3.5% Indian norm, and half the 2% CUB charges on the lifetime-free virtual variant of the same product · ₹1,180 per ₹1L abroad, GST in |
| 29 | BOBCARD Etihad Guest | 1% | 1% of transaction amount — the base card's row, against 0% on the Etihad Guest Premium · ₹1,180 per ₹1L abroad, GST in |
| 30 | Bandhan Bank Lumina Credit Card | 1% | 1% + GST — inside the cheapest handful on the board, though not the lowest (yes-private and yes-private-prime are 0.50%, hsbc-premier 0.99%); joint-lowest among the cards that sit AT 1% · ₹1,180 per ₹1L abroad, GST in |
| 31 | YES Bank Marquee | 1% | 1% + GST (DCC on INR-billed international transactions also 1%) · ₹1,180 per ₹1L abroad, GST in |
| 32 | IndiGo IDFC FIRST Secured | 1.49% | 1.49% — its own exception row in the MITC's markup table, one of the lowest on any Indian co-brand · ₹1,758 per ₹1L abroad, GST in |
| 33 | IndiGo IDFC FIRST Dual Credit Card | 1.49% | 1.49% — named for this card in the MITC, IDFC's cheapest markup outside its zero-forex set · ₹1,758 per ₹1L abroad, GST in |
| 34 | ICICI Times Black | 1.49% | 1.49% + GST (card-specific carve-out in the MITC; standard ICICI rate is 3.5%) · ₹1,758 per ₹1L abroad, GST in |
| 35 | IndusInd Tiger | 1.5% | 1.5% + GST · ₹1,770 per ₹1L abroad, GST in |
| 36 | IndusInd Avios Visa Infinite | 1.5% | 1.5% at preferred international destinations, 3.5% all other + GST · ₹1,770 per ₹1L abroad, GST in |
| 37 | Axis Bank Reserve | 1.5% | 1.5% + GST. Dynamic currency conversion markup 1.5%. Reserve has its OWN 28-Aug-2026 revision notice and that sheet carries no DCC clause at all, so the bank-wide rise to 3.5% is NOT established for this card · ₹1,770 per ₹1L abroad, GST in |
| 38 | IndusInd Legend | 1.8% | 1.8% + GST · ₹2,124 per ₹1L abroad, GST in |
| 39 | AU CA Metal | 1.99% | 1.99% + GST — AU's second-best tier, matched only by the ₹7,999 Zenith and the CS twin; Zenith+/NOMO/Traverse get 0.99% and ixigo AU 0% · ₹2,348 per ₹1L abroad, GST in |
| 40 | AU CS | 1.99% | 1.99% + GST — the same tier as its CA twin and the ₹7,999 Zenith · ₹2,348 per ₹1L abroad, GST in |
| 41 | HSBC Live+ | 1.99% | 1.99% + GST · ₹2,348 per ₹1L abroad, GST in |
| 42 | Tata Neu Infinity SBI Card | 1.99% | 1.99% + GST — SBI's MITC names this card in the exemption list beside AURUM, ELITE, Prime NRI Secured and SBI Card MILES Elite, and the same 1.99% covers dynamic currency conversion · ₹2,348 per ₹1L abroad, GST in |
| 43 | Bandhan Bank Flare Credit Card | 1.99% | 1.99% + GST — well under Indias 3.5% norm · ₹2,348 per ₹1L abroad, GST in |
| 44 | SBI Card MILES ELITE | 1.99% | 1.99% + GST (also 1.99% DCC on INR-billed international transactions ≥₹1,000) · ₹2,348 per ₹1L abroad, GST in |
| 45 | SBI Card ELITE | 1.99% | 1.99% + GST (SBI names ELITE in the 1.99% exception list; DCC markup also 1.99%) · ₹2,348 per ₹1L abroad, GST in |
| 46 | SBI AURUM | 1.99% | 1.99% (AURUM concession; SBI standard 3.5%) · ₹2,348 per ₹1L abroad, GST in |
| 47 | Federal Bank Celesta | 2% | 2% + GST · ₹2,360 per ₹1L abroad, GST in |
| 48 | CUB SalarySe Level UP Virtual | 2% | 2% of the transaction amount — under the 3.5% Indian norm, but double the 1% CUB charges on the physical variant of the same product · ₹2,360 per ₹1L abroad, GST in |
| 49 | Kotak811 Dream Different | 2% | 2% + GST — Dream Different is on the RCAS's reduced-markup list with Kotak Infinite, White Reserve and the Air+ cards; dynamic currency conversion 2% since 1-Sep-2026, down from 3.5% before that date · ₹2,360 per ₹1L abroad, GST in |
| 50 | Tata Neu Infinity HDFC Bank | 2% | 2% + GST · ₹2,360 per ₹1L abroad, GST in |
| 51 | BOBCARD Eterna | 2% | 2% + GST — Eterna/Tiara/Varunah Premium carve-out (most other BOBCARDs 3.5%) · ₹2,360 per ₹1L abroad, GST in |
| 52 | BOBCARD Tiara | 2% | 2% + GST · ₹2,360 per ₹1L abroad, GST in |
| 53 | HDFC Regalia Gold | 2% | 2% + GST · ₹2,360 per ₹1L abroad, GST in |
| 54 | Kotak Air+ Prime | 2% | 2% + GST; dynamic-currency-conversion markup also 2% · ₹2,360 per ₹1L abroad, GST in |
| 55 | Kotak Air+ | 2% | 2% + GST · ₹2,360 per ₹1L abroad, GST in |
| 56 | Standard Chartered Ultimate | 2% | 2% + GST (Ultimate-specific; 3.5% on other SC cards) · ₹2,360 per ₹1L abroad, GST in |
| 57 | Equitas PowerMiles | 2% | 2% · ₹2,360 per ₹1L abroad, GST in |
| 58 | Equitas PowerMiles Secured | 2% | 2% — the MITC's footnote, "Forex markup for PowerMiles/PowerMiles Secured Credit Card is 2%", against the 3.50% every other Equitas card pays · ₹2,360 per ₹1L abroad, GST in |
| 59 | HDFC Diners Club Black Metal | 2% | 2% + GST · ₹2,360 per ₹1L abroad, GST in |
| 60 | Axis Magnus | 2% | 2% + GST. Dynamic currency conversion markup 2% since 28 August 2026, up from 1.5% — NOT the bank-wide 3.5% — per Magnus's own revision notice · ₹2,360 per ₹1L abroad, GST in |
| 61 | RBL Nova | 2% | 2% + GST · ₹2,360 per ₹1L abroad, GST in |
| 62 | Kotak White Reserve | 2% | 2% (+ 2% DCC) · ₹2,360 per ₹1L abroad, GST in |
| 63 | Axis Magnus for Burgundy | 2% | 2% + GST. Dynamic currency conversion markup 2% since 28 August 2026, up from 1.5% — NOT the bank-wide 3.5% — per Magnus's own revision notice · ₹2,360 per ₹1L abroad, GST in |
| 64 | Suryoday SFB RuPay Platinum | 2.5% | 2.5% of the value of the foreign currency transaction after conversion to INR, plus GST — a full point under India's 3.5% norm · ₹2,950 per ₹1L abroad, GST in |
| 65 | Suryoday SFB RuPay Select | 2.5% | 2.5% of the value of the foreign currency transaction after conversion to INR, plus GST · ₹2,950 per ₹1L abroad, GST in |
| 66 | ESAF INORI RuPay Platinum | 2.5% | 2.5% of the value of the foreign currency transaction after conversion to INR — a full point under India's 3.5% norm · ₹2,950 per ₹1L abroad, GST in |
| 67 | SBI Card MILES PRIME | 2.5% | 2.5% + GST · ₹2,950 per ₹1L abroad, GST in |
| 68 | SBM MobiKwik First Credit Card | 3% | 3.00% of the transaction amount, plus GST · ₹3,540 per ₹1L abroad, GST in |
| 69 | Union JCB Health | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in |
| 70 | Union UNI-CARBON | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in |
| 71 | Union Bank RuPay Select | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in |
| 72 | Union Sparsh | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in |
| 73 | Union JCB Wellness | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in |
| 74 | Union Bank UNICORN | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in |
| 75 | AU LIT Credit Card | 3.49% | 3.49% of the transaction amount · ₹4,118 per ₹1L abroad, GST in |
| 76 | AU InstaPay RuPay Credit Card | 3.49% | 3.49% of the transaction amount · ₹4,118 per ₹1L abroad, GST in |
| 77 | AU Prathama Credit Card | 3.49% | 3.49% of the transaction amount · ₹4,118 per ₹1L abroad, GST in |
| 78 | AU Altura Credit Card | 3.49% | 3.49% of the transaction amount · ₹4,118 per ₹1L abroad, GST in |
| 79 | AU SPONT Credit Card | 3.49% | 3.49% of the transaction amount · ₹4,118 per ₹1L abroad, GST in |
| 80 | AU Altura Plus Credit Card | 3.49% | 3.49% of the transaction amount · ₹4,118 per ₹1L abroad, GST in |
| 81 | AU Tejas Credit Card | 3.49% | 3.49% of the transaction amount · ₹4,118 per ₹1L abroad, GST in |
| 82 | AU Laksya Credit Card | 3.49% | 3.49% of the transaction amount · ₹4,118 per ₹1L abroad, GST in |
| 83 | Bandhan Bank Ignite Credit Card | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 84 | IDBI Bank LIC Eclat Select | 3.5% | 3.5% + GST — the KFS calls it a "Cross Currency Mark up" · ₹4,130 per ₹1L abroad, GST in |
| 85 | IDBI Bank Royale Signature | 3.5% | 3.5% + GST — the KFS calls it a "Cross Currency Mark up" · ₹4,130 per ₹1L abroad, GST in |
| 86 | HSBC Platinum | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 87 | HSBC RuPay Platinum | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 88 | Standard Chartered Rewards | 3.5% | 3.5% + GST — "All overseas transactions are levied with a 3.5% transaction fee", including transactions at merchants registered overseas even when the merchant sits in India · ₹4,130 per ₹1L abroad, GST in |
| 89 | Federal Bank Imperio | 3.5% | 3.5% · ₹4,130 per ₹1L abroad, GST in |
| 90 | YES Bank Zagg Credit Card | 3.5% | 3.50% + GST — unchanged across the 15-Jun-2026 revision that moved most of this shelf, plus a separate 1% DCC markup on INR-billed foreign transactions · ₹4,130 per ₹1L abroad, GST in |
| 91 | Federal Bank Signet | 3.5% | 3.5% + GST (dynamic currency conversion also 3.5%) · ₹4,130 per ₹1L abroad, GST in |
| 92 | LIC Axis Bank Signature | 3.5% | 3.50% of the transaction value, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026, on a card that accelerates ON foreign spend. · ₹4,130 per ₹1L abroad, GST in |
| 93 | Fibe Axis Bank Credit Card | 3.5% | 3.5% of the transaction value, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in |
| 94 | Axis Bank SuperMoney RuPay | 3.5% | 3.5% of the transaction value on international non-DCC transactions, plus a 3.5% surcharge on DCC transactions — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in |
| 95 | ICICI Bank Platinum Chip Credit Card | 3.5% | 3.5% · ₹4,130 per ₹1L abroad, GST in |
| 96 | Google Pay Flex Axis Bank | 3.5% | 3.50% of the transaction value; dynamic currency conversion markup 3.5% + taxes — raised from 1.5% on 28 August 2026 — on any rupee transaction at an overseas location or at an India-located merchant registered in a foreign nation. · ₹4,130 per ₹1L abroad, GST in |
| 97 | LIC Axis Bank Platinum | 3.5% | 3.5% + GST — Axis's standard rate; only Burgundy Private, Primus, Reserve, Magnus and Olympus get a concession. Plus a dynamic-currency-conversion markup that rose from 1.5% to 3.5% on 28 August 2026 · ₹4,130 per ₹1L abroad, GST in |
| 98 | ICICI Bank Parakram | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 99 | ICICI Bank Parakram Select | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 100 | EazyDiner IndusInd Platinum | 3.5% | 3.5% + GST, plus a 2% dynamic-currency-conversion fee (eff 15-Jun-2026) · ₹4,130 per ₹1L abroad, GST in |
| 101 | IndusInd ePay Amex | 3.5% | 3.5% + GST, plus a 2% dynamic-currency-conversion fee (eff 15-Jun-2026) · ₹4,130 per ₹1L abroad, GST in |
| 102 | IndusInd Duo | 3.5% | 3.5% + GST, plus a 2% dynamic-currency-conversion fee (eff 15-Jun-2026) · ₹4,130 per ₹1L abroad, GST in |
| 103 | IndusInd Platinum | 3.5% | 3.5% + GST — Platinum is on none of the MITC's reduced-markup lists; dynamic currency conversion 1% until 14-Jun-2026, then 2% + GST from 15-Jun-2026 · ₹4,130 per ₹1L abroad, GST in |
| 104 | Utkarsh superCard | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 105 | RBL Paisabazaar Duet | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in |
| 106 | RBL BankBazaar SaveMax | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in |
| 107 | YES PaisaSave | 3.5% | 3.50% + GST w.e.f. 15-Jun-2026 (3.40% before that revision), plus a separate 1% DCC markup on INR-billed foreign transactions · ₹4,130 per ₹1L abroad, GST in |
| 108 | YES PaisaSave RuPay | 3.5% | 3.50% + GST w.e.f. 15-Jun-2026 (3.40% before that revision), plus a separate 1% DCC markup on INR-billed foreign transactions · ₹4,130 per ₹1L abroad, GST in |
| 109 | YES Bank FinBooster | 3.5% | 3.50% + GST w.e.f. 15-Jun-2026 (3.40% before that revision), plus a separate 1% DCC markup on INR-billed foreign transactions · ₹4,130 per ₹1L abroad, GST in |
| 110 | YES FinBooster RuPay | 3.5% | 3.50% + GST w.e.f. 15-Jun-2026, plus a separate 1% DCC markup on INR-billed foreign transactions. The forex table names “Finbooster” once without distinguishing the RuPay virtual card from the plastic, but both candidate rows — Finbooster and Virtual RuPay Credit Card — land on the same 3.50%, so the number does not turn on which was meant · ₹4,130 per ₹1L abroad, GST in |
| 111 | YES Bank anQ Pi | 3.5% | Not attributable from this document — the forex table names “ANQ Phi” and never anQ Pi. Both rows it could fall under, ANQ Phi and Virtual RuPay Credit Card, sit at 3.50% + GST w.e.f. 15-Jun-2026, but the MITC does not say which one is this card’s · ₹4,130 per ₹1L abroad, GST in |
| 112 | YES Bank POP-CLUB | 3.5% | 3.50% + GST w.e.f. 15-Jun-2026 (3.40% before that revision), plus a separate 1% DCC markup on INR-billed foreign transactions · ₹4,130 per ₹1L abroad, GST in |
| 113 | IndianOil Easy Axis Bank | 3.5% | 3.50% of the transaction value, plus a 3.5% + taxes dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in |
| 114 | Federal RuPay Wave Credit Card | 3.5% | 3.5% (DCC also 3.5%) · ₹4,130 per ₹1L abroad, GST in |
| 115 | IDBI Bank Aspire Platinum | 3.5% | 3.5% cross-currency mark-up over and above the conversion rate — IDBI states it once, bank-wide, for every variant it issues · ₹4,130 per ₹1L abroad, GST in |
| 116 | IDBI Bank LIC Lumine | 3.5% | 3.5% cross-currency mark-up over and above the conversion rate · ₹4,130 per ₹1L abroad, GST in |
| 117 | DCB PayLess Select Credit Card | 3.5% | 3.5% of the transaction value, plus GST · ₹4,130 per ₹1L abroad, GST in |
| 118 | DCB PayLess Platinum Credit Card | 3.5% | 3.5% of the transaction value, plus GST · ₹4,130 per ₹1L abroad, GST in |
| 119 | CUB CSK RuPay Platinum | 3.5% | 3.5% of the transaction amount, plus the same rate on any DCC transaction — the KFS's 0% exemption names "(CSK/SRH Master World Variant)" alone, and a RuPay Platinum is not it · ₹4,130 per ₹1L abroad, GST in |
| 120 | CUB SRH RuPay Platinum | 3.5% | 3.5% of the transaction amount, plus the same rate on any DCC transaction — the KFS's 0% exemption names "(CSK/SRH Master World Variant)" alone, and a RuPay Platinum is not it · ₹4,130 per ₹1L abroad, GST in |
| 121 | Dhanlaxmi Bank RuPay Dhan Samriddhi | 3.5% | 3.5% foreign-currency transaction fee · ₹4,130 per ₹1L abroad, GST in |
| 122 | PNB Kiwi | 3.5% | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards, and this card's own page states no markup at all · ₹4,130 per ₹1L abroad, GST in |
| 123 | YES BANK RuPay Virtual | 3.5% | 3.50% + GST w.e.f. 15-Jun-2026 (2.75% before that revision), plus a separate 1% DCC markup on INR-billed foreign transactions · ₹4,130 per ₹1L abroad, GST in |
| 124 | HDFC Bank UPI RuPay | 3.5% | 3.5% + GST, the MITC’s standard FCC column — the exceptions it names are the premium cards above this one (Infinia 2%, 6E Rewards XL 2.50%). A separate dynamic-currency-conversion markup of 1.75% applies from 15-May-2026 on a foreign transaction billed in rupees · ₹4,130 per ₹1L abroad, GST in |
| 125 | HDFC Bank UPI RuPay Mega Saver | 3.5% | 3.5% + GST, the MITC’s standard FCC column — the exceptions it names are the premium cards above this one (Infinia 2%, 6E Rewards XL 2.50%). A separate dynamic-currency-conversion markup of 1.75% applies from 15-May-2026 on a foreign transaction billed in rupees · ₹4,130 per ₹1L abroad, GST in |
| 126 | ICICI Bank HPCL Coral Credit Card | 3.5% | 3.5% · ₹4,130 per ₹1L abroad, GST in |
| 127 | Snapdeal BOBCARD | 3.5% | 3.5% of the transaction amount · ₹4,130 per ₹1L abroad, GST in |
| 128 | HDFC PIXEL Go | 3.5% | 3.5% (the PIXEL Key Fact Statement's own variant table, MITC v4.5, August-2026) · ₹4,130 per ₹1L abroad, GST in |
| 129 | Standard Chartered Platinum Rewards | 3.5% | 3.5% on all overseas transactions — Standard Chartered's shelf-wide rate · ₹4,130 per ₹1L abroad, GST in |
| 130 | IndianOil Kotak Credit Card | 3.5% | 3.50% foreign-currency markup, plus a SEPARATE 3.50% dynamic-currency-conversion fee — Kotak charges the same rate on both legs · ₹4,130 per ₹1L abroad, GST in |
| 131 | HSBC RuPay Cashback | 3.5% | 3.5% + GST — the 0% markup on the product page is a promotion running only to 31 Aug 2026 · ₹4,130 per ₹1L abroad, GST in |
| 132 | Tata Neu Plus HDFC Bank | 3.5% | 3.5% + GST (KFS v3.9, Apr-2026); DCC markup a further 1% · ₹4,130 per ₹1L abroad, GST in |
| 133 | Tata Neu Plus SBI Card | 3.5% | 3.5% + GST — the 1.99% markup belongs to the Tata Neu INFINITY tier, which SBI's schedule of charges names explicitly; the Plus is absent from that exemption list and from the identical dynamic-currency-conversion list · ₹4,130 per ₹1L abroad, GST in |
| 134 | HPCL ENERGIE BOBCARD | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 135 | Axis Bank ACE | 3.5% | 3.5% of the transaction value, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in |
| 136 | SimplyCLICK SBI Card | 3.5% | 3.5% + GST — SBI's schedule of charges exempts only AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and the three MILES tiers · ₹4,130 per ₹1L abroad, GST in |
| 137 | SimplySAVE SBI Card | 3.5% | 3.5% + GST — SimplySAVE is in none of SBI's concession tiers (AURUM, Elite, Prime NRI Secured, Tata Neu Infinity and the MILES range); dynamic currency conversion is also 3.5% on transactions of ₹1,000 or more · ₹4,130 per ₹1L abroad, GST in |
| 138 | Reliance SBI Card | 3.5% | 3.5% + GST — no concession tier applies; dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in |
| 139 | RBL Platinum Choice | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in |
| 140 | RBL Platinum Advantage | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in |
| 141 | RBL Patanjali Vishisht | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in |
| 142 | RBL Bank SalarySe UP | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in |
| 143 | RBL Bank DMI Finance | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in |
| 144 | BOBCARD Cashback | 3.5% | 3.5% of the transaction amount · ₹4,130 per ₹1L abroad, GST in |
| 145 | Standard Chartered Smart | 3.5% | 3.5% on all overseas transactions — Standard Chartered's shelf-wide rate, with only the Ultimate carved out at 2%. A further 1% is levied by Visa/Mastercard on merchants registered overseas even when the merchant sits in India · ₹4,130 per ₹1L abroad, GST in |
| 146 | MakeMyTrip ICICI Bank Platinum | 3.5% | 3.5% + GST — the 0.99% MakeMyTrip exception is expressly "Not applicable on … MakeMyTrip ICICI Bank Platinum Credit Card" · ₹4,130 per ₹1L abroad, GST in |
| 147 | IRCTC SBI Platinum Card | 3.5% | 3.5% + GST — SBI's schedule of charges exempts only AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and the three MILES tiers · ₹4,130 per ₹1L abroad, GST in |
| 148 | IRCTC HDFC Bank Credit Card | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 149 | IRCTC RBL Bank Credit Card | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in |
| 150 | HDFC Bank PIXEL Play | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 151 | Flipkart SBI Card | 3.5% | 3.5% + GST (no concession — SBI's 1.99% tier is AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and MILES ELITE only); dynamic currency conversion also 3.5% on rupee transactions of ₹1,000 or more taken abroad · ₹4,130 per ₹1L abroad, GST in |
| 152 | Axis Bank Pride Signature | 3.5% | 3.50% of the transaction value, plus a 3.5% + taxes dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in |
| 153 | IndianOil HDFC Bank Credit Card | 3.5% | 3.5% + GST — the Foreign Currency Transactions cell that covers every variant HDFC does not name as an exception (Infinia 2%, 6E Rewards Indigo XL 2.50%) · ₹4,130 per ₹1L abroad, GST in |
| 154 | Swiggy Ornge HDFC Bank Credit Card | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 155 | Axis Bank Shoppers Stop Credit Card | 3.5% | 3.5% of the transaction value, plus a dynamic-currency-conversion markup that rose from 1.5% to 3.5% on 28 August 2026 · ₹4,130 per ₹1L abroad, GST in |
| 156 | RBL Shoprite | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in |
| 157 | Swiggy HDFC Bank Credit Card | 3.5% | 3.5% + GST, the MITC’s standard FCC column — the exceptions it names are the premium cards above this one (Infinia 2%, 6E Rewards XL 2.50%). A separate dynamic-currency-conversion markup of 1.75% applies from 15-May-2026 on a foreign transaction billed in rupees · ₹4,130 per ₹1L abroad, GST in |
| 158 | Airtel Axis Bank Credit Card | 3.5% | 3.50% of the transaction value, plus a 3.5% + taxes dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in |
| 159 | IndianOil RBL Bank Credit Card | 3.5% | 3.5% + GST — the MITC prints "3.5% on all cards" and names 0% only for the World Safari family and Lumière, 1.5% for Insignia/Insignia Prime/World Xclusive/ iGlobe and 2% for Nova. This card is in no carve-out · ₹4,130 per ₹1L abroad, GST in |
| 160 | Standard Chartered Super Value Titanium | 3.5% | 3.5% + GST — the Ultimate is the only Standard Chartered card carved out, at 2% · ₹4,130 per ₹1L abroad, GST in |
| 161 | IDBI Bank Winnings | 3.5% | 3.5% + GST — the KFS calls it a "Cross Currency Mark up" · ₹4,130 per ₹1L abroad, GST in |
| 162 | Kotak Air | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 163 | PhonePe HDFC Bank Ultimo | 3.5% | 3.5% (the card's own row in HDFC's MITC v4.5, August-2026) · ₹4,130 per ₹1L abroad, GST in |
| 164 | CASHBACK SBI Card | 3.5% | 3.5% of the transaction amount, plus a 3.5% dynamic-currency-conversion fee; CASHBACK is in none of the MITC's reduced-markup exceptions (AURUM, Elite, Prime NRI secured, Tata Neu Infinity, Miles Elite/Prime/Miles) · ₹4,130 per ₹1L abroad, GST in |
| 165 | RBL Binge | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in |
| 166 | Standard Chartered Manhattan | 3.5% | 3.5% on all overseas transactions — Standard Chartered's shelf-wide rate, plus 1% from Visa/Mastercard on overseas-registered merchants located in India · ₹4,130 per ₹1L abroad, GST in |
| 167 | HDFC Diners Club Privilege | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 168 | Paytm HDFC Bank Select | 3.5% | 3.5% — inherited from the merged foreign-currency column in HDFC's MITC v4.5; the card's own pages state no markup · ₹4,130 per ₹1L abroad, GST in |
| 169 | Kotak NRI Royale Signature | 3.5% | 3.5% + GST — on none of the RCAS's reduced-markup lists, which is worth pausing on for a card sold to non-residents; dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in |
| 170 | IndianOil Axis Bank Premium | 3.5% | 3.50% of transaction value, plus a 3.5% + GST dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in |
| 171 | RBL Apex | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in |
| 172 | BOBCARD Premier | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 173 | HDFC Bank Millennia | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 174 | Axis Bank Cashback | 3.5% | 3.50% of the transaction value, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in |
| 175 | Swiggy BLCK HDFC Bank Credit Card | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 176 | RBL Movies and More | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in |
| 177 | RBL Bank Shoppers Stop Gold | 3.5% | 3.5% + GST — RBL's Schedule of Charges carves out Insignia/iGlobe/World Xclusive at 1.5%, Nova at 2% and the World Safari trio and Lumière at 0%; the Shoppers Stop cards are not carved out · ₹4,130 per ₹1L abroad, GST in |
| 178 | RBL Cookies | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in |
| 179 | IDBI Bank Euphoria World | 3.5% | 3.5% + GST — the KFS calls it a "Cross Currency Mark up" · ₹4,130 per ₹1L abroad, GST in |
| 180 | IRCTC SBI Card Premier | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 181 | BPCL SBI Card OCTANE | 3.5% | 3.5% + GST (no concession — SBI's 1.99% tier is AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and MILES ELITE only); dynamic currency conversion also 3.5%, on any rupee transaction of ₹1,000 or more taken abroad or at an India-located but overseas-registered merchant · ₹4,130 per ₹1L abroad, GST in |
| 182 | TVS Credit RBL Bank Gold | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in |
| 183 | Kotak Zen Signature | 3.5% | 3.5% + GST — Zen is on none of the RCAS's reduced-markup lists; dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in |
| 184 | Axis Bank Privilege Easy | 3.5% | 3.50% of the transaction value, plus a 3.5% + taxes dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in |
| 185 | IndianOil RBL Bank XTRA Credit Card | 3.5% | 3.5% + GST — the MITC prints "3.5% on all cards" and names 0% only for the World Safari family and Lumière. This card is in no carve-out · ₹4,130 per ₹1L abroad, GST in |
| 186 | RBL Platinum Maxima | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in |
| 187 | RBL Platinum Maxima Plus | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in |
| 188 | EazyDiner IndusInd Signature | 3.5% | 3.5% — the master MITC's low-markup row names Legend, Club Vistara Explorer, Indulge and Pioneer Legacy, and EazyDiner Signature is not among them · ₹4,130 per ₹1L abroad, GST in |
| 189 | KrisFlyer SBI Card | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 190 | SBI Card PRIME | 3.5% | 3.5% + GST (the base SBI tier; only "Prime NRI Secured" gets 1.99%, and that is a different product) · ₹4,130 per ₹1L abroad, GST in |
| 191 | Marriott Bonvoy HDFC Bank | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 192 | Axis Horizon | 3.5% | 3.5% + GST. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice. · ₹4,130 per ₹1L abroad, GST in |
| 193 | Axis Bank SELECT | 3.5% | 3.5% + GST. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice. · ₹4,130 per ₹1L abroad, GST in |
| 194 | IndiGo Kotak Premium Credit Card | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 195 | Kotak White | 3.5% | 3.5% + GST — White is absent from the RCAS's 2% list (Privy League Signature fee-paying, Kotak Infinite, Air+, White RESERVE, Air+ Prime, 811 Super Money, Dream Different), so it pays the default. Dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in |
| 196 | Axis Miles & More World | 3.5% | 3.5% + GST. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice. · ₹4,130 per ₹1L abroad, GST in |
| 197 | Shoppers Stop Black HDFC Bank | 3.5% | 3.5% — read off the MITC v4.5 forex column, which merges this row into the 3.50% block; the card's own pages state only a 1% markup on international DCC transactions, which is not the same charge · ₹4,130 per ₹1L abroad, GST in |
| 198 | HSBC TravelOne | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 199 | RBL Bank Shoppers Stop Platinum | 3.5% | 3.5% + GST — RBL's Schedule of Charges carves out Insignia/iGlobe/World Xclusive at 1.5%, Nova at 2% and the World Safari trio and Lumière at 0%; the Shoppers Stop cards are not carved out · ₹4,130 per ₹1L abroad, GST in |
| 200 | KrisFlyer SBI Card APEX | 3.5% | 3.5% + GST — the schedule of charges exempts only ELITE, AURUM and the three SBI Card MILES tiers, and APEX is in none of them · ₹4,130 per ₹1L abroad, GST in |
| 201 | Axis Miles & More World Select | 3.5% | 3.5% + GST. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice. · ₹4,130 per ₹1L abroad, GST in |
| 202 | Emirates Skywards ICICI Bank Emeralde | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 203 | IndusInd Platinum RuPay | 3.5% | 3.5% + GST — not on any reduced-markup list; dynamic currency conversion 1% until 14-Jun-2026, then 2% + GST from 15-Jun-2026 · ₹4,130 per ₹1L abroad, GST in |
| 204 | IndusInd Pinnacle World | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in |
| 205 | IDFC FIRST SWYP | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 206 | IDFC FIRST EA₹N | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 207 | DBS Vantage | 0% | 0% on all overseas transactions (consolidated MITC forex table) · ₹0 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 208 | AU Zenith+ | 0.99% | 0.99% + GST — the lowest forex tier across AU's lineup · ₹1,168 per ₹1L abroad, GST in · the desk's own verdict is cancel |
| 209 | AU Zenith | 1.99% | 1.99% + GST · ₹2,348 per ₹1L abroad, GST in · the desk's own verdict is cancel |
| 210 | YES Bank RESERV | 2% | 2% + GST (1.75% before 15-Jun-2026; DCC on INR-billed international transactions 1%) · ₹2,360 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 211 | ICICI Bank Emeralde | 2% | 2% + GST — one of only two ICICI cards below the 3.5% standard (the other is Emeralde Private Metal) · ₹2,360 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 212 | IndiGo Axis Bank Premium Credit Card | 2.5% | 2.5% + GST. Dynamic currency conversion markup 2.5% since 28 August 2026, up from 1.5% — the card's own revision notice stops at 2.5%, matching its foreign-currency markup, not the bank-wide 3.5%. · ₹2,950 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 213 | AU Vetta | 2.99% | 2.99% + GST — the highest of AU's travel cards · ₹3,528 per ₹1L abroad, GST in · the desk's own verdict is cancel |
| 214 | Union Bank VISA Signature | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 215 | Union Bank VISA Platinum | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 216 | Union Bank VISA Gold | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in · the desk's own verdict is cancel |
| 217 | Union Bank RuPay Platinum | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 218 | YES Essence | 3% | 3.00% + GST w.e.f. 15-Jun-2026 (2.75% before), plus a separate 1% DCC markup · ₹3,540 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 219 | YES Bank ELITE+ | 3% | 3.00% + GST w.e.f. 15-Jun-2026 (2.75% before), plus a separate 1% DCC markup on INR-billed international transactions · ₹3,540 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 220 | SBI Card MILES | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 221 | Union Bank DIVAA ICON | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 222 | Union Bank NEXTERIA | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 223 | AU Ananta | 3.49% | 3.49% + GST (Ananta sits in AU's bottom forex tier — Zenith+ gets 0.99%, ixigo AU 0%) · ₹4,118 per ₹1L abroad, GST in · the desk's own verdict is cancel |
| 224 | Bandhan Bank Sparks Credit Card | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 225 | IndusInd Platinum Aura Edge | 3.5% | 3.5% + GST — the MITC names the low-markup cards individually and closes "All other Credit Cards (not specified above) - 3.5%" · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 226 | Kotak UPI RuPay | 3.5% | 3.50% foreign-currency transaction markup, plus a 3.50% dynamic currency conversion fee — twice the DCC most Indian issuers charge · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 227 | Axis Bank Kwik | 3.5% | 3.5% of the transaction value, plus a 3.5% dynamic-currency-conversion markup on rupee-billed international transactions — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 228 | IDBI Bank Imperium Platinum | 3.5% | 3.5% cross-currency mark-up over and above the conversion rate · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 229 | CUB CSK Master Platinum | 3.5% | 3.5% of the transaction amount, plus the same rate on any DCC transaction — the KFS writes a 0% exemption into this row but names "(CSK/SRH Master World Variant)" alone, and this is the Platinum · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 230 | CUB SRH Master Platinum | 3.5% | 3.5% of the transaction amount, plus the same rate on any DCC transaction — the KFS writes a 0% exemption into this row but names "(CSK/SRH Master World Variant)" alone, and this is the Platinum · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 231 | Axis Bank NEO | 3.5% | 3.50% of the transaction value, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 232 | Axis Bank Pride Platinum | 3.5% | 3.50% of the transaction value, plus a 3.5% + taxes dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 233 | Axis Bank Titanium Smart Traveller | 3.5% | 3.50% of the transaction value, plus a 3.5% + taxes dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 234 | Standard Chartered EaseMyTrip | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 235 | PhonePe HDFC Bank Uno | 3.5% | 3.5% (the card's own row in HDFC's MITC v4.5, August-2026) · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 236 | ICICI Bank Expressions | 3.5% | 3.5% + GST — no Expressions exception; the four named exceptions are Emeralde-family, MakeMyTrip, Times Black and Amazon Pay · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 237 | Kotak League Platinum | 3.5% | 3.5% + GST — on none of the RCAS's reduced-markup lists; dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 238 | Landmark Rewards SBI Card | 3.5% | 3.5% + GST — no concession tier applies; dynamic currency conversion also 3.5% on transactions of ₹1,000 or more · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 239 | RBL EasySaver | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is cancel |
| 240 | YES Bank ACE | 3.5% | 3.50% + GST w.e.f. 15-Jun-2026 (2.75% before that revision), plus a separate 1% DCC markup on INR-billed foreign transactions · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 241 | YES Bank Wellness | 3.5% | 3.50% + GST — unchanged across the 15-Jun-2026 revision that moved most of this shelf, plus a separate 1% DCC markup on INR-billed foreign transactions · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 242 | YES BANK EMI | 3.5% | 3.50% + GST — unchanged across the 15-Jun-2026 revision that moved most of this shelf, plus a separate 1% DCC markup on INR-billed foreign transactions · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is cancel |
| 243 | TVS Credit RBL Bank | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 244 | IRCTC BOBCARD | 3.5% | 3.5% + GST (standard BOBCARD) · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 245 | ICICI Bank Coral | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 246 | ICICI Bank HPCL Super Saver | 3.5% | 3.5% + GST — no HPCL exception; the four named exceptions are Emeralde-family, MakeMyTrip, Times Black and Amazon Pay · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 247 | Axis Bank My Zone | 3.5% | 3.50% of transaction value, plus a 3.5% dynamic-currency-conversion markup — the DCC leg rose from 1.5% on 28 Aug 2026 · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 248 | Samsung Axis Bank Signature | 3.5% | 3.5% of the transaction value, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 249 | Flipkart Axis Bank Credit Card | 3.5% | 3.5% of the transaction value, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 250 | HDFC Bank Freedom | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 251 | Paytm HDFC Bank | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 252 | Axis Bank My Zone Easy | 3.5% | 3.50% of the transaction value, plus a 3.5% + taxes dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 253 | Axis Bank Platinum | 3.5% | 3.50% of the transaction value, plus a 3.5% + taxes dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 254 | IndianOil Axis Bank Credit Card | 3.5% | 3.5% of transaction value, plus a 3.5% + GST dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 255 | ICICI Bank Coral against FD | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 256 | BOBCARD Easy | 3.5% | 3.5% of the transaction amount · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 257 | Paisabazaar Step-Up SBM Credit Card | 3.5% | 3.5% of the transaction amount, plus GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 258 | YES Bank BYOC (Rewards) | 3.5% | 3.50% + GST — unchanged by the 15-Jun-2026 revision that moved Select and Essence; plus a separate 1% DCC markup on INR-billed international transactions · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 259 | YES Bank SELECT | 3.5% | 3.50% + GST w.e.f. 15-Jun-2026 (2.75% before) — a 75-basis-point jump in one step, plus a separate 1% DCC markup · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 260 | Adani One ICICI Bank Platinum | 3.5% | 3.5% + GST — no Adani exception; the four named exceptions are Emeralde-family, MakeMyTrip, Times Black and Amazon Pay · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 261 | SpiceJet Axis Bank Voyage | 3.5% | 3.5% of the transaction value (+ 3.5% dynamic-currency-conversion markup, raised from 1.5% on 28 August 2026). · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 262 | BOBCARD Select | 3.5% | 3.5% of the transaction amount · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 263 | IndiGo Axis Bank Credit Card | 3.5% | 3.5% + GST. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice. · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 264 | RBL Platinum Max | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 265 | RBL Platinum Prime | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 266 | RBL Platinum Plus | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 267 | RBL MyFirst | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is cancel |
| 268 | YES Prosperity Cashback | 3.5% | 3.50% + GST w.e.f. 15-Jun-2026 (3.40% before that revision), plus a separate 1% DCC markup on INR-billed foreign transactions · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is cancel |
| 269 | Axis Bank REWARDS | 3.5% | 3.5% + GST, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 270 | ICICI Bank NRI Coral | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 271 | RBL Platinum Delight | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 272 | YES Bank BYOC (Cashback) | 3.5% | 3.50% + GST — unchanged across the 15-Jun-2026 revision that moved most of this shelf, plus a separate 1% DCC markup on INR-billed foreign transactions · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 273 | Axis Bank My Wings | 3.5% | 3.50% of the transaction value, plus a 3.5% + taxes dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is cancel |
| 274 | IndiGo SBI Card | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 275 | RBL Bank Patanjali Swarn | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 276 | SBI Card PULSE | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 277 | YES Bank Wellness Plus | 3.5% | 3.50% + GST — unchanged by the 15-Jun-2026 revision; plus a separate 1% DCC markup on INR-billed international transactions · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 278 | Apollo SBI Card SELECT | 3.5% | 3.5% + GST (no concession — SBI's 1.99% tier is AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and MILES ELITE only); dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 279 | Landmark Rewards SBI Card SELECT | 3.5% | 3.5% + GST — no concession tier applies; dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 280 | RBL Platinum ShopGain | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 281 | RBL Paisabazaar Duet Plus | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 282 | YES Prosperity Cashback+ | 3.5% | 3.50% + GST w.e.f. 15-Jun-2026 (3.40% before that revision), plus a separate 1% DCC markup on INR-billed foreign transactions · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is cancel |
| 283 | IndiGo Kotak Credit Card | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 284 | Axis Bank Privilege | 3.5% | 3.5% + GST, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 285 | RBL Platinum Edge | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 286 | RBL Platinum LifeEasy | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 287 | SpiceJet Axis Bank Voyage Black | 3.5% | 3.5% of the transaction value (+ 3.5% dynamic-currency-conversion markup, raised from 1.5% on 28 August 2026). · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 288 | Equitas Selfe Secured | 3.5% | 3.50% · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 289 | Titan SBI Card | 3.5% | 3.5% + GST (Titan is on no SBI concession list — the 1.99% tier is AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and MILES ELITE only); dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 290 | Reliance SBI Card PRIME | 3.5% | 3.5% + GST (no concession — SBI's 1.99% tier is AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and MILES ELITE only); dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 291 | Landmark Rewards SBI Card PRIME | 3.5% | 3.5% + GST (no concession — SBI's 1.99% tier is AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and MILES ELITE only); dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 292 | RBL Bank Blockbuster | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 293 | ICICI Bank Rubyx | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 294 | ICICI Bank Rubyx against FD | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 295 | IndiGo SBI Card ELITE | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 296 | Adani One ICICI Bank Signature | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 297 | RBL Icon | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 298 | Emirates Skywards ICICI Bank Sapphiro | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 299 | ICICI Sapphiro | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 300 | ICICI Bank NRI Sapphiro | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 301 | IndusInd Bank Nexxt Credit Card | 3.5% | 3.5% + GST — Nexxt is not on IndusInd's exception list (Legend, Club Vistara Explorer and Indulge at 1.8%, Tiger at 1.5%, Avios Visa 1.5% at preferred destinations, waived on Pioneer Heritage/Private and Indus Solitaire), so it takes the "All other Credit Cards" rate. Dynamic currency conversion rose from 1% to 2% + GST for this card on 15 June 2026 · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 302 | RBL Bank Shoppers Stop Black | 3.5% | 3.5% + GST — RBL's Schedule of Charges carves out Insignia/iGlobe/World Xclusive at 1.5%, Nova at 2% and the World Safari trio and Lumière at 0%; the Shoppers Stop cards are not carved out · ₹4,130 per ₹1L abroad, GST in · the desk's own verdict is downgrade |
| 303 | Scapia (BOBCARD) | 0% | 0% — zero forex markup · ₹0 per ₹1L abroad, GST in · availability not published |
| 304 | DBS Altitude | 0% | 0% across Asia, 1% across all other countries (KFS + consolidated MITC forex table) · ₹0 per ₹1L abroad, GST in · invite-only — not on open application |
| 305 | PNB LUXURA Metal (Visa Infinite) | 0% | Nil — PNB's Key Fact Statement carves the two LUXURA metals out by name, against 3.5% on every other PNB card · ₹0 per ₹1L abroad, GST in · availability not published |
| 306 | Club Vistara IDFC FIRST | 0% | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions · ₹0 per ₹1L abroad, GST in · closed to new applicants |
| 307 | RBL World Safari Plus | 0% | Nil — 0% markup; RBL's markup table names World Safari Plus beside World Safari, World Safari Lite and Lumière at 0% against 3.5% standard · ₹0 per ₹1L abroad, GST in · invite-only — not on open application |
| 308 | PNB LUXURA Metal (RuPay) | 0% | Nil — PNB's Key Fact Statement carves the two LUXURA metals out by name, against 3.5% on every other PNB card · ₹0 per ₹1L abroad, GST in · availability not published |
| 309 | IDFC FIRST Gaj | 0% | Nil — 0% markup on foreign currency, DCC and static-currency-conversion transactions · ₹0 per ₹1L abroad, GST in · invite-only — not on open application |
| 310 | IndusInd PIONEER Private | 0% | 0% — the master MITC's foreign-currency row reads "Waived for Pioneer Heritage, Pioneer Private, Indus Solitaire Credit Card" against 3.5% for everything not named · ₹0 per ₹1L abroad, GST in · invite-only — not on open application |
| 311 | Indus Solitaire | 0% | 0% — the master MITC's foreign-currency row reads "Waived for Pioneer Heritage, Pioneer Private, Indus Solitaire Credit Card" against 3.5% for everything not named · ₹0 per ₹1L abroad, GST in · invite-only — not on open application |
| 312 | IDFC FIRST Private | 0% | Nil — 0% markup on foreign currency and DCC transactions · ₹0 per ₹1L abroad, GST in · invite-only — not on open application |
| 313 | RBL Lumière | 0% | 0% (zero forex markup) · ₹0 per ₹1L abroad, GST in · invite-only — not on open application |
| 314 | Axis Burgundy Private | 0% | Nil — no foreign-currency markup, and Nil dynamic-currency-conversion markup too; the 12-Aug-2026 KFS named THREE Axis cards at zero DCC — Burgundy Private, PRIMUS and OLYMPUS — but the 18-Aug-2026 edition moved OLYMPUS into the 1.8% clause from 28 August 2026, leaving Burgundy Private and PRIMUS as the two · ₹0 per ₹1L abroad, GST in · invite-only — not on open application |
| 315 | IndusInd Pioneer Heritage | 0% | 0% — waived since 5-Oct-2024 (product page verbatim: "reduced from 1.8% to 0%"; master MITC lists Heritage under forex Waived) · ₹0 per ₹1L abroad, GST in · invite-only — not on open application |
| 316 | HSBC Privé | 0% | NIL — "Charges towards Foreign currency transactions — NIL", permanently · ₹0 per ₹1L abroad, GST in · invite-only — not on open application |
| 317 | Axis Bank PRIMUS | 0% | Nil — Primus and Burgundy Private are the only two Axis cards with a zero foreign transaction fee; dynamic-currency-conversion markup is also Nil · ₹0 per ₹1L abroad, GST in · invite-only — not on open application |
| 318 | YES Private Prime | 0.5% | 0.50% + GST, matching YES Private (plus a separate 1% DCC markup) · ₹590 per ₹1L abroad, GST in · invite-only — not on open application |
| 319 | YES Private | 0.5% | 0.50% + GST — the lowest markup on any Indian credit card we track (DCC on INR-billed international transactions is a separate 1%) · ₹590 per ₹1L abroad, GST in · invite-only — not on open application |
| 320 | OneCard Metal | 1% | 1% + GST · ₹1,180 per ₹1L abroad, GST in · issuance paused |
| 321 | RBL iGlobe | 1.5% | 1.5% — an NRI-card carve-out from RBL's 3.5% standard (official product page) · ₹1,770 per ₹1L abroad, GST in · invite-only — not on open application |
| 322 | RBL Insignia Preferred Banking World Card | 1.5% | 1.5% — a preferred-banking carve-out from RBL's 3.5% standard (official product page), plus 2X points (10 RP/₹100) abroad · ₹1,770 per ₹1L abroad, GST in · invite-only — not on open application |
| 323 | Axis Olympus | 1.8% | 1.8% + GST. Dynamic currency conversion markup 1.8% since 28 August 2026 — the 18-Aug-2026 Key Fact Sheet moved OLYMPUS out of the Nil DCC clause into the 1.8% one, matching its foreign-transaction fee. · ₹2,124 per ₹1L abroad, GST in · invite-only — not on open application |
| 324 | IndusInd Pioneer Legacy | 1.8% | 1.8% on paid cards; 3.5% on complimentary cards · ₹2,124 per ₹1L abroad, GST in · invite-only — not on open application |
| 325 | IndusInd Indulge | 1.8% | 1.8% — the master MITC's foreign-currency row names Indulge by name alongside Legend and Club Vistara Explorer, against 3.5% for every card not on that list · ₹2,124 per ₹1L abroad, GST in · invite-only — not on open application |
| 326 | Amazon Pay ICICI Bank | 1.99% | 1.99% + GST — named as exception 4 to ICICI's 3.50% standard in the master MITC · ₹2,348 per ₹1L abroad, GST in · invite-only — not on open application |
| 327 | ICAI Exclusive BOBCARD | 2% | 2% of the transaction amount — BOBCARD's lowest band, shared with Eterna and Tiara · ₹2,360 per ₹1L abroad, GST in · invite-only — not on open application |
| 328 | ICSI Diamond BOBCARD | 2% | 2% of the transaction amount — BOBCARD's lowest band · ₹2,360 per ₹1L abroad, GST in · invite-only — not on open application |
| 329 | Kotak Infinite | 2% | 2% + GST — the RCAS foreign-currency table names "Kotak Infinite card" in its 2% list against 3.50% for every card not on it, and the dynamic currency conversion row names Infinite again at 2% · ₹2,360 per ₹1L abroad, GST in · closed to new applicants |
| 330 | Edge Federal Bank Visa Credit Card | 2% | 2% on every international transaction · ₹2,360 per ₹1L abroad, GST in · closed to new applicants |
| 331 | CMA One BOBCARD | 2% | 2% of the transaction amount — BOBCARD's lowest band · ₹2,360 per ₹1L abroad, GST in · invite-only — not on open application |
| 332 | IOB SalarySe Rise UP | 2% | 2% of the transaction amount + GST — a point and a half under India's 3.5% norm, and half a point under IOB's own unsecured RuPay and Visa range at 2.50% · ₹2,360 per ₹1L abroad, GST in · availability not published |
| 333 | YES First Preferred | 2% | 2.00% + GST w.e.f. 15-Jun-2026 (1.75% before) — the same MITC row as Reserv, plus a separate 1% DCC markup · ₹2,360 per ₹1L abroad, GST in · closed to new applicants |
| 334 | Varunah Premium BOBCARD | 2% | 2% of the transaction amount — BOBCARD's lowest band · ₹2,360 per ₹1L abroad, GST in · invite-only — not on open application |
| 335 | Kotak Privy League Signature | 2% | 2% (paid variant); 3.5% (free variant) · ₹2,360 per ₹1L abroad, GST in · closed to new applicants |
| 336 | ICICI Emeralde Private Metal | 2% | 2% + GST · ₹2,360 per ₹1L abroad, GST in · invite-only — not on open application |
| 337 | HDFC Infinia Metal | 2% | 2% + GST · ₹2,360 per ₹1L abroad, GST in · invite-only — not on open application |
| 338 | Standard Chartered Beyond | 2% | 2% + GST (Beyond T&C §7; the 3.5% bank-wide rate does not apply) · ₹2,360 per ₹1L abroad, GST in · invite-only — not on open application |
| 339 | Dhi CUB Visa Signature | 2.5% | 2.50% of the transaction value after conversion to rupees · ₹2,950 per ₹1L abroad, GST in · invite-only — not on open application |
| 340 | Indian Overseas Bank RuPay Select | 2.5% | 2.50% on international transactions — a full point under India's 3.5% norm. IOB states it once, bank-wide, for every variant it issues · ₹2,950 per ₹1L abroad, GST in · availability not published |
| 341 | Indian Overseas Bank RuPay Platinum | 2.5% | 2.50% on international transactions — a full point under India's 3.5% norm. IOB states it once, bank-wide, for every variant it issues · ₹2,950 per ₹1L abroad, GST in · availability not published |
| 342 | Indian Overseas Bank RuPay Classic | 2.5% | 2.50% on international transactions — a full point under India's 3.5% norm. IOB states it once, bank-wide, for every variant it issues · ₹2,950 per ₹1L abroad, GST in · availability not published |
| 343 | IOB Gold Credit Card | 2.5% | 2.50% on international transactions — a full point under India's 3.5% norm. IOB states it once, bank-wide, for every variant it issues · ₹2,950 per ₹1L abroad, GST in · closed to new applicants |
| 344 | IOB Classic Credit Card | 2.5% | 2.50% on international transactions — a full point under India's 3.5% norm. IOB states it once, bank-wide, for every variant it issues · ₹2,950 per ₹1L abroad, GST in · closed to new applicants |
| 345 | Varunah Plus BOBCARD | 2.5% | 2.5% of the transaction amount — its own band, between the 2% group and the 3% group · ₹2,950 per ₹1L abroad, GST in · invite-only — not on open application |
| 346 | Utkarsh Eternal Credit Card | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in · invite-only — not on open application |
| 347 | Utkarsh Rhodium Credit Card | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in · invite-only — not on open application |
| 348 | Utkarsh SmartGen Credit Card | 3% | 3% + GST · ₹3,540 per ₹1L abroad, GST in · invite-only — not on open application |
| 349 | Indian Army YODDHA BOBCARD | 3% | 3% of the transaction amount — shared with The Sentinel, Rakshamah and Vikram · ₹3,540 per ₹1L abroad, GST in · invite-only — not on open application |
| 350 | Assam Rifles SENTINEL BOBCARD | 3% | 3% of the transaction amount — shared with Yoddha, Rakshamah and Vikram · ₹3,540 per ₹1L abroad, GST in · invite-only — not on open application |
| 351 | Coast Guard RAKSHAMAH BOBCARD | 3% | 3% of the transaction amount — shared with Yoddha, The Sentinel and Vikram · ₹3,540 per ₹1L abroad, GST in · invite-only — not on open application |
| 352 | BOBCARD VIKRAM | 3% | 3% of the transaction amount — shared with Yoddha, The Sentinel and Rakshamah · ₹3,540 per ₹1L abroad, GST in · invite-only — not on open application |
| 353 | Canara Bank Classic / Standard | 3% | Up to 3% of the transaction amount · ₹3,540 per ₹1L abroad, GST in · availability not published |
| 354 | Canara Bank Gold | 3% | Up to 3% of the transaction amount · ₹3,540 per ₹1L abroad, GST in · availability not published |
| 355 | IB-VISA-Gold | 3% | 3% conversion mark-up · ₹3,540 per ₹1L abroad, GST in · availability not published |
| 356 | IB-VISA-Platinum | 3% | 3% conversion mark-up · ₹3,540 per ₹1L abroad, GST in · availability not published |
| 357 | AU Xcite Credit Card | 3.49% | 3.49% of the transaction amount · ₹4,118 per ₹1L abroad, GST in · invite-only — not on open application |
| 358 | AU Xcite Ultra Credit Card | 3.49% | 3.49% of the transaction amount · ₹4,118 per ₹1L abroad, GST in · invite-only — not on open application |
| 359 | AU Xcite Ace Credit Card | 3.49% | 3.49% of the transaction amount · ₹4,118 per ₹1L abroad, GST in · invite-only — not on open application |
| 360 | Standard Chartered Priority Visa Infinite | 3.5% | 3.5% + GST — the bank-wide rate, which this card does not escape · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
| 361 | CRED IndusInd Bank RuPay Credit Card | 3.5% | 3.5% — the card is named in no low-markup line, and the row closes "All other Credit Cards (not specified above) - 3.5 % (GST as per standard rate shall be applicable)". Dynamic currency conversion is 2% + GST from 15-Jun-2026, a tier that names this card explicitly · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
| 362 | Varunah BOBCARD | 3.5% | 3.5% of the transaction amount — the base variant is unnamed in BOBCARD's lower bands, so it takes the catch-all · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
| 363 | PRAGATI BOBCARD (RRB) | 3.5% | 3.5% of the transaction amount · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
| 364 | Nainital Bank RENAISSANCE | 3.5% | 3.5% of the transaction amount · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
| 365 | PNB SALARY RuPay Select | 3.5% | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 366 | PNB BLISS | 3.5% | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 367 | PNB SALARY RuPay Platinum | 3.5% | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 368 | PNB RuPay Platinum | 3.5% | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 369 | Shaurya Select SBI Card | 3.5% | 3.5% + GST — the defence range gets the finance-charge concession, not the forex one; dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 370 | SBI Card Unnati | 3.5% | 3.5% + GST — Unnati is in none of SBI's concession tiers; dynamic currency conversion also 3.5% on transactions of ₹1,000 or more · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 371 | BOBCARD Prime | 3.5% | 3.5% of the transaction amount · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 372 | Axis Bank Vistara Infinite Credit Card | 3.5% | 3.50% of the transaction value. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice. · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 373 | Axis Bank Vistara Signature Credit Card | 3.5% | 3.50% of the transaction value. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice. · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 374 | Axis Bank Vistara Credit Card | 3.5% | 3.50% of the transaction value. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice. · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 375 | Poonawalla Fincorp IndusInd eLITE RuPay | 3.5% | 3.5% + GST — the MITC names the low-markup cards individually and closes "All other Credit Cards (not specified above) - 3.5%" · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 376 | RBL Bank QuickPay | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
| 377 | Axis Bank Freecharge | 3.5% | 3.5% of the transaction value, plus a 3.5% + taxes dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
| 378 | Shaurya SBI Card | 3.5% | 3.5% + GST — Shaurya is outside the 1.99% carve-out, which the KFS limits to AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and SBI Card Miles ELITE · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 379 | Axis Bank Freecharge Plus | 3.5% | 3.5% of the transaction value, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
| 380 | PNB RuPay Millennial | 3.5% | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 381 | Amex SmartEarn | 3.5% | 3.5% (currency conversion factor assessment) + GST · ₹4,130 per ₹1L abroad, GST in · issuance paused |
| 382 | PNB Zaggle Twin | 3.5% | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 383 | Paytm SBI Card | 3.5% | 3.5% + GST (no concession — SBI's 1.99% tier is AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and MILES ELITE only); dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 384 | PhonePe SBI Card PURPLE | 3.5% | 3.5% + GST — neither PhonePe card is in SBI's concession list; dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 385 | RBL Platinum Classic | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · issuance paused |
| 386 | Google Pay Flex SBI Card | 3.5% | 3.5% + GST — the MITC's concession list names AURUM, Elite, Prime NRI Secured, Tata Neu Infinity and the Miles family only, and this card is on none of them; dynamic currency conversion also 3.5% on rupee transactions of ₹1,000 or more at an international location · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 387 | RBL Bank Fun+ | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 388 | RBL Bank MoneyTap | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 389 | PNB Patanjali RuPay Select | 3.5% | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 390 | PNB RuPay Select | 3.5% | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 391 | Flipkart Axis Bank Super Elite | 3.5% | 3.5% of the transaction value (+ a dynamic-currency-conversion markup, 1.5% from 5-Mar-2023 and 3.5% since 28 August 2026). · ₹4,130 per ₹1L abroad, GST in · issuance paused |
| 392 | Chennai Super Kings ICICI Bank | 3.5% | 3.5% + GST — no CSK exception; the MITC's four exceptions are the Emeralde family (2%), MakeMyTrip (0.99%), Times Black (1.49%) and Amazon Pay (1.99%) · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 393 | RBL Bank MoCash | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 394 | RBL Titanium Delight | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 395 | Amex Membership Rewards Card | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · issuance paused |
| 396 | Amex Gold Charge | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · issuance paused |
| 397 | Kotak Mojo Platinum | 3.5% | 3.5% + GST — on none of the RCAS's reduced-markup lists; dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 398 | Emirates Skywards ICICI Bank Rubyx | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 399 | RBL Monthly Treats | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 400 | RBL BankBazaar SaveMax Pro | 3.5% | Up to 3.5% on foreign-currency, dynamic and static conversion transactions; also levied on rupee transactions at an international location or at a merchant registered overseas · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
| 401 | Paytm SBI Card SELECT | 3.5% | 3.5% + GST (no concession — SBI's 1.99% tier is AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and MILES ELITE only); dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 402 | PhonePe SBI Card SELECT BLACK | 3.5% | 3.5% + GST (no concession — SBI's 1.99% tier is AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and MILES ELITE only); dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 403 | Kotak Royale Signature | 3.5% | 3.5% + GST — Royale Signature is on none of the RCAS's reduced-markup lists; dynamic currency conversion also 3.5% · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 404 | Club Vistara SBI Card | 3.5% | 3.5% + GST — SBI's markup table names ELITE and AURUM as the only 1.99% exceptions, so this card sits at the standard rate; dynamic and static DCC also 3.5% · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 405 | Air India SBI Platinum Card | 3.5% | 3.5% + GST — SBI's schedule of charges exempts only AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and the three MILES tiers, and this card is in none of them · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 406 | RBL Aspire Banking | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
| 407 | PNB Visa Signature | 3.5% | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 408 | Axis Bank Signature | 3.5% | 3.5% + GST, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 409 | PNB EMT RuPay Platinum | 3.5% | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 410 | ABN AMRO Smart Miles Titanium | 3.5% | 3.5% on foreign-currency transactions, plus a 0.8% Mastercard cross-border charge on merchants registered overseas even when the merchant is located in India · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 411 | RBL Signature Banking | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
| 412 | HDFC Harley-Davidson Diners Club | 3.5% | 3.5% ("Nominal 3.5% on all your foreign currency spends", the card's own Additional Features block) · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 413 | MakeMyTrip ICICI Bank Signature | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 414 | HDFC Regalia | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 415 | HDFC Regalia Activ | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 416 | RBL World Prime | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 417 | RBL World Max | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 418 | KVB SBI Platinum Card | 3.5% | 3.5% + GST — the standard SBI rate; this card is absent from the 1.99% exception list · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 419 | South Indian Bank SBI Platinum Card | 3.5% | 3.5% + GST — the standard SBI rate; this card is absent from the 1.99% exception list · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 420 | Club Vistara SBI Card PRIME | 3.5% | 3.5% + GST — SBI's markup table names ELITE and AURUM as the only 1.99% exceptions, so this card sits at the standard rate; dynamic and static DCC also 3.5% · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 421 | RBL Bank Black | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 422 | IndusInd Iconia Amex | 3.5% | 3.5% + GST — the product page's own "Charges for overseas transaction 3.5%", matching the MITC's catch-all row · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 423 | RBL World Plus | 3.5% | Up to 3.5% + GST — RBL's 0% markup carve-out names only the Safari family and Lumière · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 424 | KVB SBI Signature Card | 3.5% | 3.5% + GST — the standard SBI rate; the 1.99% concession names only AURUM, Elite, Prime NRI Secured, Tata Neu Infinity and Miles Elite, and this card is on none of those lists · ₹4,130 per ₹1L abroad, GST in · availability not published |
| 425 | Air India SBI Signature Card | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 426 | Amex Platinum Travel | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · issuance paused |
| 427 | Axis Atlas | 3.5% | 3.5% + GST. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice. · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 428 | Samsung Axis Bank Infinite | 3.5% | 3.5% + GST, plus a 3.5% dynamic-currency-conversion markup — raised from 1.5% on 28 August 2026. · ₹4,130 per ₹1L abroad, GST in · closed to new applicants |
| 429 | Amex Platinum Reserve | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · issuance paused |
| 430 | IndusInd Celesta | 3.5% | 3.5% — the master MITC's low-markup row names Legend, Club Vistara Explorer, Indulge and Pioneer Legacy by name, and Celesta is not among them · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
| 431 | Amex Platinum Charge | 3.5% | 3.5% + GST · ₹4,130 per ₹1L abroad, GST in · issuance paused |
| 432 | IndusInd Crest | 3.5% | 3.5% per the fee schedule — the MITC's 1.8% row names Legend, Club Vistara Explorer, Indulge and Pioneer Legacy and omits Crest, leaving it in "all other Credit Cards". The Crest product page claims 1.8%; the two issuer documents disagree and we model the one that bills you · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
| 433 | HSBC Taj | 3.5% | 3.5% + GST — waived only for "India's executive banking clients" · ₹4,130 per ₹1L abroad, GST in · invite-only — not on open application |
Not ranked — fine print pending — 212 cards, each with the reason
- DBS Spark 5 Credit Card — MITC fine print not on the desk yet
- DBS Spark 10 Credit Card — MITC fine print not on the desk yet
- DBS Spark 20 Credit Card — MITC fine print not on the desk yet
- Scapia (Axis Bank) — MITC fine print not on the desk yet
- Edge CSB Bank RuPay Credit Card — MITC fine print not on the desk yet
- Edge+ CSB Bank RuPay Credit Card — MITC fine print not on the desk yet
- Equitas Selfe Credit Card — MITC fine print not on the desk yet
- slice UPI Credit Card — MITC fine print not on the desk yet
- AU Bank Traverse Credit Card (NRI) — MITC fine print not on the desk yet
- AU Bank NOMO Credit Card — MITC fine print not on the desk yet
- Paytm HDFC Bank Digital — MITC fine print not on the desk yet
- Paytm HDFC Bank Mobile — MITC fine print not on the desk yet
- Kotak Cashback+ — MITC fine print not on the desk yet
- Kotak Cashback+ Prime — MITC fine print not on the desk yet
- BPCL SBI Card — MITC fine print not on the desk yet
- HDFC Bank MoneyBack+ — MITC fine print not on the desk yet
- Shoppers Stop HDFC Bank — MITC fine print not on the desk yet
- IndusInd Samman RuPay — MITC fine print not on the desk yet
- Kotak 811 Credit Card — MITC fine print not on the desk yet
- PVR INOX Kotak — MITC fine print not on the desk yet
- PM SVANidhi BOBCARD — MITC fine print not on the desk yet
- Paytm AU Credit Card — MITC fine print not on the desk yet
- CheQ AU Credit Card — MITC fine print not on the desk yet
- AU Zaggle Credit Card — MITC fine print not on the desk yet
- Paisabazaar Paisa Plus Credit Card — MITC fine print not on the desk yet
- Aditya Birla Capital AU Pro — MITC fine print not on the desk yet
- Dhanlaxmi Bank RuPay Dhan Vriddhi — MITC fine print not on the desk yet
- Utkarsh Wish Credit Card — MITC fine print not on the desk yet
- Unity Bank BharatPe Credit Card — MITC fine print not on the desk yet
- Nainital Bank RENAISSANCE BOBCARD — MITC fine print not on the desk yet
- BOBCARD Swavlamban — MITC fine print not on the desk yet
- UJJIVAN SFB Platinum BOBCARD — MITC fine print not on the desk yet
- UJJIVAN SFB Elite BOBCARD — MITC fine print not on the desk yet
- KVB Eternis Credit Card — MITC fine print not on the desk yet
- PNB VISA Classic — MITC fine print not on the desk yet
- PNB VISA Gold — MITC fine print not on the desk yet
- PNB VISA Platinum — MITC fine print not on the desk yet
- Equitas Tiga — MITC fine print not on the desk yet
- Aditya Birla Capital AU Flex — MITC fine print not on the desk yet
- Aditya Birla Capital AU Nxt — MITC fine print not on the desk yet
- BOBCARD Easy (FD Backed) — MITC fine print not on the desk yet
- BOBCARD Select (FD Backed) — MITC fine print not on the desk yet
- BOBCARD Premier (FD Backed) — MITC fine print not on the desk yet
- Canara Bank Select / World / Signature — MITC fine print not on the desk yet
- Canara Bank Platinum — MITC fine print not on the desk yet
- Apollo SBI Card — MITC fine print not on the desk yet
- Doctor's SBI Card — MITC fine print not on the desk yet
- HDFC Bank Regalia First — MITC fine print not on the desk yet
- Kotak Delight Platinum — MITC fine print not on the desk yet
- IB-VISA-Bharat — MITC fine print not on the desk yet
- IB-RuPay-Classic — MITC fine print not on the desk yet
- IB-RuPay-Platinum — MITC fine print not on the desk yet
- IB-RuPay-Select — MITC fine print not on the desk yet
- PNB Patanjali RuPay Platinum — MITC fine print not on the desk yet
- BOBCARD ConQR — MITC fine print not on the desk yet
- PNB Parakram — MITC fine print not on the desk yet
- PNB Premium Metal LUXURA — MITC fine print not on the desk yet
- Equitas Tiga Secured — MITC fine print not on the desk yet
- Etihad Guest SBI Premier Card — MITC fine print not on the desk yet
- Etihad Guest SBI Card — MITC fine print not on the desk yet
- Best Price Save Max HDFC Bank — MITC fine print not on the desk yet
- Best Price Save Smart HDFC Bank — MITC fine print not on the desk yet
- HDFC Bank Bharat — MITC fine print not on the desk yet
- HDFC Bank Diners Club Black (non-metal) — MITC fine print not on the desk yet
- HDFC Bank Diners Club Miles — MITC fine print not on the desk yet
- HDFC Bank Diners Club Premium — MITC fine print not on the desk yet
- HDFC Bank Diners Club Rewardz — MITC fine print not on the desk yet
- HDFC Bank Easy EMI — MITC fine print not on the desk yet
- InterMiles HDFC Bank Diners Club — MITC fine print not on the desk yet
- InterMiles HDFC Bank Platinum — MITC fine print not on the desk yet
- InterMiles HDFC Bank Signature — MITC fine print not on the desk yet
- JetPrivilege HDFC Bank Titanium — MITC fine print not on the desk yet
- HDFC Bank MoneyBack (original) — MITC fine print not on the desk yet
- Pine Labs HDFC Bank — MITC fine print not on the desk yet
- Pine Labs HDFC Bank Pro — MITC fine print not on the desk yet
- HDFC Bank Solitaire — MITC fine print not on the desk yet
- HDFC Bank Superia — MITC fine print not on the desk yet
- HDFC Bank Titanium Times — MITC fine print not on the desk yet
- IndusInd Iconia Visa — MITC fine print not on the desk yet
- YES Bank anQ Phi — MITC fine print not on the desk yet
- YES Prosperity Rewards — MITC fine print not on the desk yet
- Kotak Veer Select — MITC fine print not on the desk yet
- Kotak Veer Platinum — MITC fine print not on the desk yet
- Kotak Urbane Gold — MITC fine print not on the desk yet
- PVR Kotak Gold — MITC fine print not on the desk yet
- PVR Kotak Platinum — MITC fine print not on the desk yet
- InterMiles ICICI Bank Coral Credit Card — MITC fine print not on the desk yet
- Kotak Essentia Platinum — MITC fine print not on the desk yet
- Kotak Feast Gold — MITC fine print not on the desk yet
- Standard Chartered Emirates World — MITC fine print not on the desk yet
- Standard Chartered Landmark Rewards Platinum — MITC fine print not on the desk yet
- Standard Chartered Bandhan One — MITC fine print not on the desk yet
- Standard Chartered Bandhan Plus — MITC fine print not on the desk yet
- Standard Chartered Bandhan Xclusive — MITC fine print not on the desk yet
- Standard Chartered Platinum Elite — MITC fine print not on the desk yet
- Standard Chartered Bajaj Finserv Platinum — MITC fine print not on the desk yet
- Standard Chartered Bajaj Finserv World — MITC fine print not on the desk yet
- MagniFi (Federal Bank) — MITC fine print not on the desk yet
- Jet Airways Amex Platinum — MITC fine print not on the desk yet
- Amex PAYBACK Credit Card — MITC fine print not on the desk yet
- HSBC Smart Value — MITC fine print not on the desk yet
- Bajaj Finserv DBS 5X SuperCard — MITC fine print not on the desk yet
- Bajaj Finserv DBS 5X Plus SuperCard — MITC fine print not on the desk yet
- Bajaj Finserv DBS 7X SuperCard — MITC fine print not on the desk yet
- Bajaj Finserv DBS 7X Plus SuperCard — MITC fine print not on the desk yet
- Bajaj Finserv DBS 10X Signature SuperCard — MITC fine print not on the desk yet
- Bajaj Finserv DBS 10X Plus SuperCard — MITC fine print not on the desk yet
- British Airways ICICI Bank Premium — MITC fine print not on the desk yet
- British Airways ICICI Bank Classic — MITC fine print not on the desk yet
- Myntra Kotak — MITC fine print not on the desk yet
- RBL Bank novio — MITC fine print not on the desk yet
- Jet Airways Citibank Titanium — MITC fine print not on the desk yet
- Jet Airways Citibank Silver — MITC fine print not on the desk yet
- Jet Airways Citibank Platinum — MITC fine print not on the desk yet
- Diners Club International British Airways — MITC fine print not on the desk yet
- Taj Epicure Diners Club — MITC fine print not on the desk yet
- Delhi Metro Citibank — MITC fine print not on the desk yet
- Kotak Solaris Platinum — MITC fine print not on the desk yet
- RBL vCard — MITC fine print not on the desk yet
- IndusInd PAYBACK Credit Card — MITC fine print not on the desk yet
- Citibank Platinum Credit Card — MITC fine print not on the desk yet
- Citibank Gold Credit Card — MITC fine print not on the desk yet
- Citibank Silver Credit Card — MITC fine print not on the desk yet
- Citibank Woman's Credit Card — MITC fine print not on the desk yet
- CRY Citibank Credit Card — MITC fine print not on the desk yet
- WWF Citibank Credit Card — MITC fine print not on the desk yet
- MTV Citibank Credit Card — MITC fine print not on the desk yet
- Hutch Citibank Credit Card — MITC fine print not on the desk yet
- Reliance Gold Credit Card — MITC fine print not on the desk yet
- Reliance Silver Credit Card — MITC fine print not on the desk yet
- Maruti Suzuki AutoCard — MITC fine print not on the desk yet
- IndianOil Citibank Credit Card — MITC fine print not on the desk yet
- Citi Titanium Cash Rewards Credit Card — MITC fine print not on the desk yet
- First Citizen Citibank Platinum Credit Card — MITC fine print not on the desk yet
- Citibank Rewards Domestic Credit Card — MITC fine print not on the desk yet
- ABN AMRO One — MITC fine print not on the desk yet
- ABN AMRO Titanium One — MITC fine print not on the desk yet
- Yatra Barclaycard Platinum — MITC fine print not on the desk yet
- Barclaycard Gold — MITC fine print not on the desk yet
- Barclays Premier League Barclaycard — MITC fine print not on the desk yet
- Times Card from Barclaycard and TimesofMoney — MITC fine print not on the desk yet
- Deutsche Bank Miles & More Signature — MITC fine print not on the desk yet
- Deutsche Bank Miles & More Platinum — MITC fine print not on the desk yet
- HSBC Advance Platinum — MITC fine print not on the desk yet
- Federal Bank SBI Platinum Card — MITC fine print not on the desk yet
- HDFC Bank Idea International Silver — MITC fine print not on the desk yet
- HSBC Spencer's Retail Classic — MITC fine print not on the desk yet
- Chennai Metro SBI Card — MITC fine print not on the desk yet
- Mumbai Metro SBI Card — MITC fine print not on the desk yet
- SBI Platinum Card — MITC fine print not on the desk yet
- SBI Signature Card — MITC fine print not on the desk yet
- SpiceJet SBI Card — MITC fine print not on the desk yet
- SBI Railway Card — MITC fine print not on the desk yet
- SBI Gold & More Card — MITC fine print not on the desk yet
- SBI Silver & More Card — MITC fine print not on the desk yet
- SBI Maruti Card — MITC fine print not on the desk yet
- Federal Bank SBI Gold 'N More — MITC fine print not on the desk yet
- SBI Card ELITE Advantage — MITC fine print not on the desk yet
- SBI Card PRIME Advantage — MITC fine print not on the desk yet
- SimplyCLICK Advantage SBI Card — MITC fine print not on the desk yet
- SimplySAVE Advantage SBI Card — MITC fine print not on the desk yet
- Amex MakeMyTrip Credit Card — MITC fine print not on the desk yet
- Andhra Bank VISA Platinum Credit Card — MITC fine print not on the desk yet
- Andhra Bank VISA Gold Credit Card — MITC fine print not on the desk yet
- Andhra Bank VISA Classic Credit Card — MITC fine print not on the desk yet
- Andhra Bank MasterCard Credit Card — MITC fine print not on the desk yet
- ICICI Bank HPCL Gold — MITC fine print not on the desk yet
- ICICI Bank HPCL Silver — MITC fine print not on the desk yet
- Toyota ICICI Bank Co-Branded — MITC fine print not on the desk yet
- ICICI Bank Gitanjali Jewellery — MITC fine print not on the desk yet
- SyndicateBank Global Credit Card Classic — MITC fine print not on the desk yet
- SyndicateBank Global Credit Card Gold — MITC fine print not on the desk yet
- IndusInd Bank Gold Credit Card — MITC fine print not on the desk yet
- BOBCARD Bombay Bullion — MITC fine print not on the desk yet
- RBL IGU NHS Golf World Card — MITC fine print not on the desk yet
- RBL India Startup Club World — MITC fine print not on the desk yet
- RBL India Startup Club Platinum — MITC fine print not on the desk yet
- RBL Platinum Cricket — MITC fine print not on the desk yet
- RBL Edition Black — MITC fine print not on the desk yet
- RBL Freedom SuperCard — MITC fine print not on the desk yet
- SBI Student Plus Advantage Card — MITC fine print not on the desk yet
- SBI Mumbai Card — MITC fine print not on the desk yet
- SBI Apna Bazaar Card — MITC fine print not on the desk yet
- SBI UBI Gold Card — MITC fine print not on the desk yet
- SBI UBI Card — MITC fine print not on the desk yet
- SBI Advantage Platinum Card — MITC fine print not on the desk yet
- SBI Advantage Signature Card — MITC fine print not on the desk yet
- Bajaj Finserv RBL Bank CA SuperCard — MITC fine print not on the desk yet
- Bajaj Finserv RBL Bank Doctor's SuperCard — MITC fine print not on the desk yet
- ETMONEY RBL Bank LoanPass Credit Card — MITC fine print not on the desk yet
- SBI Gold Card (pre-2009) — MITC fine print not on the desk yet
- SBI Advantage Card (pre-2009) — MITC fine print not on the desk yet
- SBI Employee Card — MITC fine print not on the desk yet
- Hero Honda SBI Card — MITC fine print not on the desk yet
- RBL Bank Practo Plus Credit Card — MITC fine print not on the desk yet
- Easyday Kotak Titanium Card — MITC fine print not on the desk yet
- Easyday Kotak Silver Card — MITC fine print not on the desk yet
- LIC Axis Bank Titanium — MITC fine print not on the desk yet
- LIC Axis Bank Gold — MITC fine print not on the desk yet
- ICICI Unifare Bangalore Metro — MITC fine print not on the desk yet
- ICICI Unifare Mumbai Metro — MITC fine print not on the desk yet
- SBI Platinum Card (2007) — MITC fine print not on the desk yet
- SBI Doctors Card — MITC fine print not on the desk yet
- IndusInd Bank Miles & More Signature — MITC fine print not on the desk yet
- IndusInd Bank Miles & More Platinum — MITC fine print not on the desk yet
- SBI Platinum Card (2010) — MITC fine print not on the desk yet
- BOBCARD Titanium — MITC fine print not on the desk yet
- BOBCARD Elite Platinum — MITC fine print not on the desk yet
- BOBCARD Select Platinum — MITC fine print not on the desk yet
- BOBCARD Signature — MITC fine print not on the desk yet
- BOBCARD Assure — MITC fine print not on the desk yet
- BOB Financial Paytm Credit Card — MITC fine print not on the desk yet
4 more questions about this board — how the rate is worked out, and what else readers ask
How is this ranking computed?
Ranked by the forex markup published in each issuer's MITC / fees-and-charges document (data on our fine-print desk), lowest first; ties break on the lower annual fee. The ₹-per-₹1L figure adds the 18% GST issuers levy on the markup. Cards whose MITC we haven't researched yet are listed unranked below — we don't invent a number to fill a cell.
How many cards are in this forex ranking?
433 of the 973 Indian personal cards on the desk are ranked here. 212 are listed unranked with the computed reason — not ranked — fine print pending — because a card we can't rank honestly gets named, not hidden. A further 328 are carried but not valued at all — 51 with no annual fee any issuer document states, 231 whose issuer has not published how the card earns, 46 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /best/business, because pricing an MSME card against a personal wallet answers a question nobody asked (ADR 0012).
How up to date is this list?
Every record behind this board — every issuer MITC / fees-and-charges document on the desk — was last re-verified on 10 Jul 2026. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.
Which zero-forex & low-forex credit cards in India have no annual fee?
82 of the 433 ranked here are lifetime free. The best on forex markup is Scapia (Federal Bank) at 0%. The top of this board costs nothing either way — 15 cards level at 0%.
How forex / international spends got here
6 tracker events whose headline names this category — the dated record behind the table. Every row links the event on the tracker.
- IDFC FIRST Bank zeroes forex markup on every credit card IDFC FIRST Bank
- HSBC's 0% forex window on the RuPay Cashback card closes HSBC
- HSBC zeroes the forex mark-up on every card it sells — for 32 days HSBC
- YES Bank raises forex on almost every card it sells — SELECT takes 75 basis points in one step YES Bank
- Reserv's forex markup goes 1.75% to 2% YES Bank
- Ultimate's forex settles at a clean 2% at posting Standard Chartered
Not published
869 cards on the desk have no rule we could read for forex / international spends. They are named here rather than guessed into the ranking above — an unread rule is not a full-earn rule.
Name all 869
IndusInd PIONEER PrivateDBS Spark 5 Credit CardDBS Spark 10 Credit CardDBS Spark 20 Credit CardBandhan Bank Lumina Credit CardBandhan Bank Flare Credit CardBandhan Bank Ignite Credit CardBandhan Bank Sparks Credit CardYES PrivateYES Private PrimeHSBC TajScapia (Axis Bank)Edge CSB Bank RuPay Credit CardEdge+ CSB Bank RuPay Credit CardBOBCARD Etihad GuestTata Neu Infinity SBI CardAU CA MetalAU CSEquitas Selfe Credit CardIndus SolitaireNiyo Global SBM Credit CardYES Bank ELITE+YES EssenceEazyDiner IndusInd SignatureTata Neu Plus HDFC BankTata Neu Plus SBI CardPhonePe HDFC Bank UltimoShoppers Stop Black HDFC BankPaytm HDFC Bank SelectKotak WhiteKotak Zen SignaturePhonePe HDFC Bank UnoStandard Chartered RewardsIndianOil Axis Bank PremiumHDFC PIXEL GoUnion Bank UNICORNIndusInd CelestaUnion Bank NEXTERIAFederal Bank ImperioIRCTC HDFC Bank Credit CardUnion Bank DIVAA ICONUnion Bank RuPay SelectUnion Sparshslice UPI Credit CardYES Bank SELECTYES Bank BYOC (Rewards)Union JCB WellnessUnion JCB HealthUnion Bank RuPay PlatinumFederal Bank SignetIndusInd IndulgeIndusInd CrestIndusInd Pioneer LegacyAxis Bank My ZoneLIC Axis Bank SignatureFibe Axis Bank Credit CardAxis Bank ACEYES Bank Wellness PlusSamsung Axis Bank SignatureFlipkart Axis Bank Credit CardAU Bank Traverse Credit Card (NRI)RBL LumièreSBI AURUMHDFC Bank MillenniaHDFC Bank PIXEL PlayHDFC Bank FreedomIDFC FIRST SWYPCRED IndusInd Bank RuPay Credit CardIndusInd Platinum Aura EdgeDBS SuperXDBS SuperX PlusStandard Chartered Super Value TitaniumCASHBACK SBI CardAxis Bank CashbackAxis Bank Freecharge PlusAxis Bank SuperMoney RuPayPaytm HDFC Bank DigitalPaytm HDFC Bank MobilePaytm HDFC Bank BusinessPaytm HDFC Bank Select BusinessFlipkart Wholesale HDFC BankKotak Cashback+Kotak Cashback+ PrimePaytm HDFC BankKotak UPI RuPayAxis Bank FreechargeAxis Bank KwikAxis Bank My WingsAxis Bank My Zone EasyAxis Bank PlatinumAxis Bank Pride PlatinumAxis Bank Pride SignatureBPCL SBI CardHDFC Bank BizGrowHDFC Bank UPI RuPayGoogle Pay Flex Axis BankHDFC Bank UPI RuPay BizIOB VISA Signature Credit CardIOB VISA Platinum Credit CardIndusInd Bank Nexxt Credit CardKotak811 Super Money CardSimplySAVE SBI CardHDFC Bank MoneyBack+Reliance SBI CardShoppers Stop HDFC BankICICI Bank Instant PlatinumEazyDiner IndusInd PlatinumIndusInd ePay AmexIndusInd DuoKrishak Unnati SBI CardUtkarsh superCardRBL Platinum BonusRBL Platinum TravelEasyRBL Platinum ValuePlusRBL Platinum ShopSmartRBL Platinum ShopDailyRBL Bank PLAYRBL Bank QuickPayRBL BankBazaar SaveMax ProRBL World XclusiveRBL World SelectRBL Bank LazyPayRBL JalsaSBI Card PRIME NRI SecuredHDFC Bank UPI RuPay Mega SaverHDFC Bank Biz FirstHDFC Bank GIGA BusinessHDFC Bank Micro Enterprise BusinessIndusInd Samman RuPayIndusInd Jio-bp Mobility+ICICI Diamant WorldICICI Emeralde PrivateYES PaisaSaveYES PaisaSave RuPayYES Bank ACEYES Bank WellnessYES Bank FinBoosterYES FinBooster RuPayYES Bank anQ PiYES Prosperity CashbackYES Prosperity Cashback+YES Bank UniYES Bank KlickYES Bank POP-CLUBYES Prosperity Edge (NRI)Kotak 811 Credit CardPVR INOX KotakKotak BizBOBCARD CashbackSnapdeal BOBCARDBOBCARD SelectBOBCARD EasyICAI Exclusive BOBCARDICSI Diamond BOBCARDCMA One BOBCARDVarunah Premium BOBCARDVarunah Plus BOBCARDVarunah BOBCARDIndian Army YODDHA BOBCARDAssam Rifles SENTINEL BOBCARDCoast Guard RAKSHAMAH BOBCARDBOBCARD VIKRAMPRAGATI BOBCARD (RRB)Nainital Bank RENAISSANCEPM SVANidhi BOBCARDAU Kosmo Credit CardAU Tejas Credit CardAU Laksya Credit CardAU SPONT Credit CardAU Prathama Credit CardAU InstaPay RuPay Credit CardAU Xcite Ultra Credit CardAU Xcite Ace Credit CardAU Xcite Credit CardPaytm AU Credit CardCheQ AU Credit CardAU Zaggle Credit CardDhi CUB Visa SignatureCUB Dhi FD-Backed / CampusCUB KavachUnion UNI-CARBONUnion Bank VISA SignatureUnion Bank VISA PlatinumUnion Bank VISA GoldUnion Bank PM SVANidhiIndiGo IDFC FIRST SecuredIDFC FIRST Hello CashbackLIC IDFC FIRST ClassicIDFC FIRST Quantum+IDFC FIRST EA₹NIDFC FIRST HPCL PowerIDFC FIRST Digital RuPayAirtel Axis Bank Credit CardAxis Bank Privilege EasyIndianOil Easy Axis BankJ&K Bank Eminent CardKVB Honour Credit CardFederal RuPay Wave Credit CardJ&K Bank Platinum CardKVB Platinum Credit CardBandhan Bank Flash Credit CardTMB Platinum Credit CardTMB Titanium Credit CardTMB Wings (RuPay) Credit CardTMB Phoenix (RuPay) Credit CardDhanlaxmi Bank Namaste Credit CardStandard Chartered Platinum RewardsStandard Chartered ManhattanStandard Chartered DigiSmartIDBI Bank Aspire PlatinumIDBI Bank Imperium PlatinumIDBI Bank LIC LumineESAF INORI RuPay PlatinumDCB Niyo Global Credit CardDCB novio Credit Card (RuPay Select)DCB ZET Credit CardDCB novio Credit Card (RuPay Platinum)SBM novio Credit CardSBM Magnet Credit CardSBM Kredit.Pe Credit CardAditya Birla Capital AU ProDhanlaxmi Bank RuPay Dhan SamriddhiDhanlaxmi Bank RuPay Dhan VriddhiIndian Bank PM SVANidhiUtkarsh Wish Credit CardHDFC Bank Corporate PlatinumHDFC Bank Corporate PremiumHDFC Bank Business Corporate RegaliaHDFC Bank Business Corporate MoneyBackHDFC Bank SAP Concur BlackHDFC Bank Purchase PremiumHDFC Bank Purchase MoneyBackHDFC Bank Purchase RewardHDFC Bank Purchase CardSBI Card Vyapaar UnnatiSimplySAVE Merchant SBI CardAxis Bank Business Supreme VisaAxis Bank Business Supreme MastercardAxis Bank Corporate Credit CardAxis Bank Executive CorporateICICI Bank Business Advantage BlackICICI Bank Business Advantage BlueICICI Bank Platinum Business CardICICI Bank Corporate PlatinumICICI Bank Business Ascent AmexICICI Bank Business Essential AmexSBI Signature Corporate CardSBI Platinum Corporate CardICICI Bank Gold Business CardICICI Bank Corporate GoldICICI Bank Business Micro Credit CardKotak Solitaire BusinessKotak Corporate PlatinumKotak Corporate Wealth SignatureIndusInd eSvarna CorporateIndusInd Contactless CorporateIndusInd Fortuna PrimaIndusInd Fortuna AdvantEdgeIndusInd ODCC Linked Credit CardIDFC FIRST CorporateIDFC FIRST Business MultiplierNainital Bank RENAISSANCE BOBCARDBOBCARD SwavlambanUJJIVAN SFB Platinum BOBCARDUJJIVAN SFB Elite BOBCARDBOBCARD EMPOWERYES Bank BYOC (Cashback)YES First BusinessYES Prosperity BusinessYES Bank AI InsideSaraswat RuPay PlatinumSaraswat Secured RuPay PlatinumYES AI Inside RuPay VirtualRBL Bank Shoppers Stop BlackRBL Bank Shoppers Stop PlatinumRBL Bank Shoppers Stop GoldRBL Corporate Purchase Procure+RBL RazorpayX Corporate PurchaseRBL Corporate Purchase Tax+Kotak Travel AgentKotak Privy League Platinum CorporateKotak Corporate GoldKotak Corporate ClassicKotak Corporate BasicFed StarBiz Credit CardAmex Green Corporate CardAmex Gold Corporate CardAmex Platinum Corporate CardIndusInd Saarthi BusinessIndusInd Vrddhi BusinessICICI Bank AlumniIDFC FIRST PurchaseIDFC FIRST Business MaxIDFC FIRST Micro EnterpriseIDFC FIRST BusinessAU Corporate Credit CardAU Purchase Credit CardAU Business Cashback Credit CardPNB KiwiSBM ZET Credit CardCUB SalarySe Level UPCUB SalarySe Level UP VirtualUnity Bank RoarbankEquitas Selfe SecuredEquitas PowerMiles SecuredTMB Vertex Credit CardTMB VIBE360 Credit CardKVB Eternis Credit CardKVB Altura Credit CardKVB Samara Credit CardKVB Aura Credit CardJ&K Bank Gold CardJ&K Bank Corporate CardKVB Corporate Credit CardJ&K Bank Platinum PrivilegeCanara Bank VISA CorporatePNB VISA ClassicPNB VISA GoldPNB VISA PlatinumPNB Corporate VISAPNB RRB Co-branded RuPay SelectPNB Braille RuPay SelectPNB General Credit Card RuPay PlatinumPNB Merchant Credit Card RuPay PlatinumUnion Bank VISA Business Platinum CorporateUnion MSMEEquitas TigaYES BANK RuPay VirtualYES BANK EMIYES BANK novioYES BANK novio RuPay VirtualYES Bank Uni RuPay VirtualHSBC Corporate Travel and EntertainmentAditya Birla Capital AU BizAditya Birla Capital AU FlexAditya Birla Capital AU NxtHSBC Corporate Purchasing CardAxis Bank Purchase CardAxis Bank Purchase Reward CardHDFC Bank Central Travel Account CardHDFC Bank TMC Credit CardHDFC Bank Dealer Credit CardHDFC Bank Fleet Credit CardAxis Bank Purchase Control Virtual CardAxis Bank Central Travel Account CardICICI Bank Purchase CardICICI Bank Dual Billing Purchase CardICICI Bank Utility Purchase CardICICI Bank CTA CardSBI Central Travel Account CardSBI Corporate Virtual CardSBI Corporate Purchase CardSBI Corporate Utility CardKotak Purchase Credit CardKotak Virtual Purchase Credit CardKotak Central Travel Account Credit CardKotak Shorter Billing Cycle Credit CardAmerican Express Business Travel AccountAmerican Express Corporate Purchasing CardHSBC Central Travel CardHSBC Virtual Card for BusinessBOBCARD Easy (FD Backed)BOBCARD Select (FD Backed)BOBCARD Premier (FD Backed)IB-VISA-BusinessYES First CorporateYES Bank Zaggle CorporateYES Prosperity Purchase Credit CardYES BANK RazorpayX Purchase Credit CardAmex SmartEarnPNB Zaggle TwinCanara Bank Select / World / SignatureCanara Bank PlatinumPNB SALARY RuPay SelectPNB BLISSPNB SALARY RuPay PlatinumPNB EMT RuPay PlatinumPNB RuPay PlatinumPNB Patanjali RuPay SelectPNB RuPay MillennialPNB Visa SignaturePNB RuPay SelectApollo SBI CardShaurya SBI CardDoctor's SBI CardShaurya Select SBI CardPhonePe SBI Card PURPLESBI Card UnnatiDelhi Metro SBI CardCentral SBI Select CardRBL Platinum ClassicRBL PopcornHDFC Bank Business Regalia FirstEquitas Elegance HDFC BankEquitas Excite HDFC BankPharmEasy HDFC BankHDFC Bank Regalia FirstSnapdeal HDFC BankAmazon Pay Kotak Business Credit CardKotak Delight PlatinumBOBCARD PrimeCanara Bank Classic / StandardCanara Bank GoldIB-VISA-BharatIB-VISA-GoldIB-VISA-PlatinumIB-RuPay-ClassicIB-RuPay-PlatinumIB-RuPay-SelectIndian Bank Secured (VISA / RuPay)Rupeek Indian Bank Gold BackedAxis Bank Easy GoldAxis Bank My ChoiceAxis Bank BuzzAxis Bank InfiniteIKEA Family Axis BankIOB SalarySe Rise UPIOB ZET CardPNB Patanjali RuPay PlatinumMine Credit Card by ICICI BankBOBCARD ConQRBOBCARD Micro EnterpriseBOBCARD CORPORATEYES Bank NIYOAxis Bank My Zone InstantAxis Bank Secured SilverBOI RuPay Select Credit CardBOI RuPay Bharat Platinum Credit CardBOI Visa Platinum International Credit CardBOI Master Platinum International Credit CardBOI RuPay Platinum International Credit CardBOI SwaDhan RuPay Platinum Credit CardBOI Visa Gold International Credit CardGoogle Pay Flex SBI CardPNB Rakshak RuPay PlatinumPNB Rakshak RuPay SelectPNB ParakramPNB Premium Metal LUXURAEquitas Tiga SecuredHDFC Bank Business ProgramKotak InfiniteYES First PreferredHDFC Harley-Davidson Diners ClubSamsung Axis Bank InfiniteKotak Mojo PlatinumAir India SBI Platinum CardHDFC Regalia ActivIndusInd Iconia AmexIndusInd Signature VisaIndusInd Platinum AuraPoonawalla Fincorp IndusInd eLITE RuPayEtihad Guest SBI Premier CardEtihad Guest SBI CardAxis Bank AURAManchester United ICICI SignatureManchester United ICICI PlatinumYatra SBI CardFabindia SBI CardAditya Birla SBI CardRBL Titanium DelightRBL Bank Fun+RBL Bank MoCashRBL Bank MoneyTapRBL Monthly TreatsRBL Cookies (pre-2021)Central SBI Select+ CardNature's Basket SBI CardNature's Basket SBI Card ELITETATA CardTATA Card SELECTTATA Croma CardTATA Croma Card SELECTTATA Star CardTATA Star Card SELECTIRCTC SBI CardAditya Birla SBI Card SELECTFabindia SBI Card SELECTFBB SBI StyleUp Card6E Rewards IndiGo HDFC Bank6E Rewards XL IndiGo HDFC BankHDFC Bank All MilesBest Price Save Max HDFC BankBest Price Save Smart HDFC BankHDFC Bank BharatHDFC Bank Business GoldHDFC Bank Business PlatinumHDFC Bank Business RegaliaCSC Small Business MoneyBack HDFC BankHDFC Bank Diners Club Black (non-metal)HDFC Bank Diners Club MilesHDFC Bank Diners Club PremiumHDFC Bank Diners Club RewardzHDFC Bank Doctor's RegaliaHDFC Bank Doctor's SuperiaHDFC Bank Easy EMIHDFC Bank H.O.G Diners ClubInterMiles HDFC Bank Diners ClubInterMiles HDFC Bank PlatinumInterMiles HDFC Bank SignatureJetPrivilege HDFC Bank TitaniumHDFC Bank MoneyBack (original)Maruti Suzuki NEXA AllMiles HDFC BankPine Labs HDFC BankPine Labs HDFC Bank ProHDFC Bank Platinum EdgeHDFC Bank Platinum PlusRetailio HDFC Bank BusinessHDFC Bank SolitaireHDFC Bank SuperiaHDFC Bank Teachers PlatinumHDFC Bank Times PlatinumHDFC Bank Titanium EdgeHDFC Bank Titanium TimesHDFC Bank Visa SignatureHDFC Bank World MasterCardICICI SignatureICICI Ascent AmexICICI Platinum IdentityICICI UnifareAccelero ICICIICICI HPCL PlatinumIndusInd Iconia VisaIndusInd Platinum SelectIndusInd Aura Edge GovernmentClub Vistara IndusInd ExplorerYES Bank anQ PhiYES Prosperity RewardsYES Bank FREOKotak Veer SelectKotak Veer PlatinumKotak Urbane GoldPVR Kotak GoldPVR Kotak PlatinumClub Vistara IDFC FIRSTEdge Federal Bank Visa Credit CardBoM Credit CardBank of Maharashtra SecuredInterMiles IndusInd Bank Odyssey Credit CardInterMiles IndusInd Bank Voyage Credit CardInterMiles ICICI Bank Coral Credit CardInterMiles ICICI Bank Sapphiro Credit CardInterMiles ICICI Bank Rubyx Credit CardHDFC Bank Business MoneyBackHDFC Bank Business Bharat CashBackHDFC Bank Business FreedomHDFC Bank Corporate Signature / WorldAxis Bank AdvantageAxis Bank Insta EasyOLA Money SBI CardCiti PremierMiles CardCiti Prestige Credit CardCiti Rewards Credit CardIndianOil Citi Credit CardCiti Cash Back Credit CardFirst Citizen Citi Credit CardIKEA Family Credit Card by CitiCitiBusiness Credit CardIndianOil CitiBusiness Credit CardKotak IndiGo 6E RewardsKotak IndiGo 6E Rewards XLRBL Bank YOUniqueKotak Essentia PlatinumKotak Feast GoldKotak Fortune GoldStandard Chartered Emirates WorldStandard Chartered Landmark Rewards PlatinumStandard Chartered Yatra PlatinumStandard Chartered Bandhan OneStandard Chartered Bandhan PlusStandard Chartered Bandhan XclusiveStandard Chartered Platinum EliteStandard Chartered Bajaj Finserv PlatinumStandard Chartered Bajaj Finserv WorldStandard Chartered Gold RewardsAmpliFi (Federal Bank)SimpliFi (Federal Bank)MagniFi (Federal Bank)Jet Airways Amex PlatinumAmex PAYBACK Credit CardAxis Bank Secured GoldAxis Bank Platinum SecuredAxis Bank Flipkart SecuredAxis Bank VISA GoldAxis Bank VISA SilverICICI Bank Ferrari PlatinumICICI Bank Ferrari SignatureHSBC Smart ValueBajaj Finserv DBS 5X SuperCardBajaj Finserv DBS 5X Plus SuperCardBajaj Finserv DBS 7X SuperCardBajaj Finserv DBS 7X Plus SuperCardBajaj Finserv DBS 10X Signature SuperCardBajaj Finserv DBS 10X Plus SuperCardBOI India CardHDFC Bank GoldHDFC Bank Woman's GoldHDFC Bank TitaniumHDFC Bank Solitaire PremiumHDFC Bank SilverHDFC Bank Value PlusICICI Bank CarbonAxis Bank MY BusinessKingfisher Airlines ICICI Bank WorldKingfisher Airlines ICICI Bank PlatinumKingfisher Airlines ICICI Bank TitaniumBritish Airways ICICI Bank PremiumBritish Airways ICICI Bank ClassicMyntra KotakKotak Best Price BusinessRBL Bank novioHDFC Bank Doctor's PlatinumICICI Bank Jet Airways Business AdvantageICICI Bank Air Deccan GoldJet Airways Citibank TitaniumJet Airways Citibank SilverJet Airways Citibank PlatinumJet Airways CitiBusinessDiners Club International British AirwaysTaj Epicure Diners ClubDelhi Metro CitibankKotak Solaris PlatinumKotak Aqua GoldKotak Silk Inspire PlatinumMETRO KotakRBL vCardIndusInd PAYBACK Credit CardPMC Bank RuPay PlatinumPMC Bank RuPay SelectPMC Bank RuPay Platinum SecuredPMC Bank RuPay Select SecuredCitibank Platinum Credit CardCitibank Gold Credit CardCitibank Silver Credit CardCitibank Choice Credit CardCitibank Woman's Credit CardCitibank Woman's Visa Mini CardCRY Citibank Credit CardWWF Citibank Credit CardMTV Citibank Credit CardHutch Citibank Credit CardReliance Gold Credit CardReliance Silver Credit CardMaruti Suzuki AutoCardRoyal Sundaram Citibank Gold Credit CardIndianOil Citibank Credit CardDiners Club International Citibank Credit CardCiti Titanium Cash Rewards Credit CardFirst Citizen Citibank Platinum Credit CardInternational Times Citibank CardCitibank Ultima Credit CardCiti Corporate Credit CardCitibank Rewards Domestic Credit CardPaytm Credit Card by CitiABN AMRO FreedomABN AMRO Smart GoldABN AMRO OneABN AMRO MakeMyTrip GOABN AMRO Titanium OneABN AMRO Smart Miles TitaniumABN AMRO PlatinumABN AMRO New GoldABN AMRO BaristaABN AMRO AdlabsABN AMRO Max Healthcare WellnessYatra Barclaycard PlatinumBarclaycard GoldBarclaycard Smart BudgetBarclaycard PlatinumBarclays Premier League BarclaycardTimes Card from Barclaycard and TimesofMoneyDeutsche Bank Miles & More SignatureDeutsche Bank Miles & More PlatinumDeutsche Bank WorldMiles SignatureDeutsche Bank WorldMiles PlatinumHSBC Advance PlatinumFederal Bank SBI Platinum CardHDFC Bank SAP Concur PrimeHDFC Bank Health Plus InternationalHDFC Bank eSeva International SilverHDFC Bank Idea International SilverHDFC Bank Idea International GoldICICI Bank Singapore Airlines Visa PlatinumAxis Bank Titanium Smart TravelerAxis Bank Trust ChemistsAxis Bank ShriramICICI Bank Classic Business CardSBI Card ELITE BusinessSBI Card PRIME BusinessDeutsche Bank SignatureDeutsche Bank PlatinumDeutsche Bank Platinum SelectDeutsche Bank Matrix PlatinumDeutsche Bank Landmark PlatinumDeutsche Bank SmartGoldDeutsche Bank Landmark GoldDeutsche Bank ClassicDeutsche Bank db businessHSBC MakeMyTrip SignatureHSBC MakeMyTrip PlatinumHSBC WestsideHSBC Spencer's Retail ClassicAir India American Express GoldAir India American Express Credit CardAir India American Express GreenAmex Kingfisher FirstChennai Metro SBI CardMumbai Metro SBI CardSBI Platinum CardSBI Signature CardSpiceJet SBI CardSBI Railway CardSBI Gold & More CardSBI Silver & More CardSBI Maruti CardSBI Vishal Mega Mart CardSBI Advantage Plus CardFederal Bank SBI Gold 'N MoreStandard Chartered Preferred World MastercardSBI Card ELITE AdvantageSBI Card PRIME AdvantageSimplyCLICK Advantage SBI CardSimplySAVE Advantage SBI CardHSBC GoldHSBC ClassicCenturion Bank of Punjab Miracle CardBank of Rajasthan Gold Credit CardBank of Rajasthan Silver Credit CardBank of Rajasthan Individual-Liability Corporate CardBank of Rajasthan Corporate-Liability Corporate CardHDFC Bank Distributor CardAmex MakeMyTrip Credit CardAmex Gold Credit CardAmex HPCL RPM Credit CardStandard Chartered Simply CashING Vysya Bank Galaxia Credit CardING Vysya Bank Solaris Credit CardUnited Western Bank IndiaCardAndhra Bank Signature Credit CardAndhra Bank VISA Platinum Credit CardAndhra Bank VISA Gold Credit CardAndhra Bank VISA Classic Credit CardAndhra Bank MasterCard Credit CardAndhra Bank MasterCard Electronic Credit CardAndhra Bank VISA Corporate Credit CardVijaya Bank RuPay Credit CardVijaya Bank VISA Global Chip CardVijaya Bank VISA Classic Chip CardVijaya Bank VISA Nurses CardVijaya Bank VISA Doctors CardVijaya Bank Platinum Jubilee Credit CardCorporation Bank Visa Signature Credit CardCorporation Bank Visa Platinum Credit CardICICI Bank HPCL GoldICICI Bank HPCL SilverICICI Bank Big Bazaar GoldICICI Bank Big Bazaar SilverICICI Bank Big Bazaar ShaktiICICI Bank Central GoldICICI Bank Future GoldICICI Bank Future SilverICICI Bank Airtel GoldICICI Bank Airtel SilverICICI Bank IndiatimesToyota ICICI Bank Co-BrandedICICI Bank Gitanjali JewelleryICICI Bank MegamartICICI Bank Sarovar HotelsICICI Bank Orchid on EcotelICICI Bank AmwayICICI Bank XBOX360ICICI Bank CESC Co-BrandedICICI Bank HelpAge India AffinityICICI Bank PRU LifeICICI Bank Federal Bank GoldICICI Bank Federal Bank SilverICICI Bank Punjab & Sind GoldICICI Bank Punjab & Sind SilverICICI Bank Punjab & Sind BlueSyndicateBank Global Credit Card ClassicSyndicateBank Global Credit Card GoldDena Bank DENACARD VisaCorporation Bank Visa Gold Credit CardVijaya Bank Classic Credit CardVijaya Bank VISA Gold Credit CardVijaya Bank MasterCard Global Credit CardAllahabad Bank India CardSBI Gold CardSBI Dena Bank Secured CardIndusInd Bank Chelsea FC Credit CardIndusInd Bank Gold Credit CardRBL Bank Cricket Credit CardBOBCARD Bombay BullionRBL IGU NHS Golf World CardRBL India Startup Club WorldRBL India Startup Club PlatinumRBL CrownitRBL HyperCITY Reward PlusRBL HyperCITY RewardRBL Classic RewardRBL Classic ShopperRBL Platinum CricketRBL Edition BlackRBL Freedom SuperCardRBL Edition ClassicSBI Advantage Gold CardSBI Student Plus Advantage CardSBI Mumbai CardSBI Apna Bazaar CardLG SBI CardSBI Social CardSBI Lifestyle Credit CardSBI UBI Gold CardSBI UBI CardSBI Advantage Platinum CardSBI Advantage Signature CardBajaj Finserv RBL Bank CA SuperCardBajaj Finserv RBL Bank Doctor's SuperCardETMONEY RBL Bank LoanPass Credit CardRBL Bank Crossword Black Credit CardRBL Bank Crossword Rewards Credit CardRBL Club ConciergeSBI Gold Card (pre-2009)SBI Advantage Card (pre-2009)SBI Employee CardHero Honda SBI CardGoAir SBI CardRBL Bank Practo Plus Credit CardEasyday Kotak Titanium CardEasyday Kotak Silver CardLIC Axis Bank TitaniumLIC Axis Bank GoldICICI Unifare Bangalore MetroICICI Unifare Mumbai MetroIndusInd Bank Classic Credit CardIndusInd Bank Business Gold Credit CardIndusInd Bank WorldMiles Signature Credit CardIndusInd Bank WorldMiles Platinum Credit CardSBI Platinum Card (2007)SBI Gold Master CardSBI Advantage CardSBI Card for DoctorsSBI Doctors CardICICI Bank Preferred GoldICICI Bank Preferred SilverICICI Bank TitaniumICICI Bank American Express GreenCentral Bank of India MasterCard WorldCentral Bank of India RuPay SelectCentral Bank of India MasterCard TitaniumCentral Bank of India RuPay PlatinumCentral Bank of India Visa PlatinumCentral Bank of India Visa GoldCentral Bank of India Visa AspireIndusInd Bank Miles & More SignatureIndusInd Bank Miles & More PlatinumIndusInd Bank Matrix PlatinumIndusInd Bank Landmark PlatinumIndusInd Bank Landmark GoldSBI Platinum Card (2010)BOBCARD TitaniumBOBCARD Elite PlatinumBOBCARD Select PlatinumBOBCARD SignatureBOBCARD AssureBOB Financial Paytm Credit CardBOBCARD Corporate PremiumTMB India CardUnion Bank USecureBettr SBM Card
Where this comes from
Treatments are read from issuer T&C, reward annexures and FAQs (HSBC and SBI publish full MCC tables; HDFC and Amex publish only category names), corroborated by community reporting where the banks stay vague — those rows say so. Where sources conflict we keep the conservative treatment. "Rate here" is the card's first-tier earn × this category's treatment × our house ₹/point from the valuation index — the same number the wallet winner puts on a swipe. A capped card shows its rate before the cap bites; the rule text names the cap. Issuers churn these rules quarterly — a note's date is the rule's date, not ours.