International Credit Card Usage: Forex Markup and Tips

Using your credit card abroad is convenient, but you should be aware of forex markup fees.

Best Practices

• Zero Forex Cards: Opt for credit cards that offer zero or low forex markup (like 0.99%).
• Dynamic Currency Conversion (DCC): Always choose to pay in the local currency of the country you are visiting, NOT in INR, to avoid exorbitant DCC charges.