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Benefit index

International spend / 9 matches

Zero / low forex

Cards that reduce or remove the foreign-currency markup on international transactions.

Forex markup is separate from network conversion rates, GST and dynamic currency conversion.

01 / Mastercard World / Visa Infinite

IDFC Mayura

IDFC FIRST Bank

IDFC FIRST Bank Mayura Credit Card

Why it qualifies

0% foreign-currency markup

International transactions can earn 5X subject to the rewards programme.

Card highlights

Forex
0% foreign currency markup
Rewards
5X up to Rs 20K, 10X above Rs 20K eligible spends per cycle; reduced-rate categories excluded
Lounge
4 domestic + 4 international visits/quarter
02 / Visa Signature

Scapia

Federal Bank

Scapia Federal Bank Credit Card

Why it qualifies

0% foreign-currency markup

Network conversion and merchant-side conversion can still affect the final amount.

Card highlights

Reward Rate
2% value on eligible Federal Visa spends; exclusions apply
Airport Perks
Choose lounge OR eligible airport dining/shopping/spa reimbursement per visit
Travel Bookings
4% on flight, hotel, train and bus bookings
03 / Visa Infinite

Times Black

ICICI Bank

Times Black ICICI Bank Credit Card

Why it qualifies

1.49% forex markup

GST applies; card eligibility is premium and issuer-controlled.

Card highlights

iShop
6X flights/vouchers, 12X hotels; bonus cap 15K/month, 8K/day
Milestones
Klook, WeWork/transfers, Tata CLiQ and Ayatana/Lohono choices
Lounge
Unlimited domestic + international access
04 / Visa Signature

IndusInd Tiger

IndusInd Bank

IndusInd Bank Tiger Credit Card

Why it qualifies

1.5% discounted forex markup

GST applies to the markup.

Card highlights

Fee
Lifetime Free Credit Card
Rewards
1:1 Air India transfer; award value varies. Cash credit ₹0.40/RP, capped at 5K RP/month
Travel
8 domestic + 2 international lounge visits/year
05 / Visa Infinite

IndusInd Avios

IndusInd Bank

IndusInd Bank Avios Visa Infinite Credit Card

Why it qualifies

1.5% forex markup in the selected preferred destination

Standard treatment can apply outside the preferred destination.

Card highlights

Welcome
20,000 bonus Avios on joining fee payment
Travel
6 Avios/Rs 200 at preferred destination POS
Airlines
5 Avios/Rs 200 on Qatar or British Airways
06 / Visa Infinite

HDFC Infinia

HDFC Bank

HDFC Bank Infinia Credit Card

Why it qualifies

2% foreign-currency markup

GST applies; overseas reward earn and issuer exclusions still control net value.

Card highlights

SmartBuy
SmartBuy accelerators; bonus cap 15K RP/month, live rates apply
SmartBuy cap
Up to 15,000 bonus RP per month
Lounge
Unlimited domestic + international access
07 / Diners Club

HDFC DCB Metal

HDFC Bank

HDFC Diners Club Black Metal Credit Card

Why it qualifies

2% foreign-currency markup

GST applies and Diners Club acceptance should be considered.

Card highlights

Base
5 RP per Rs 150, about 3.3% travel value
SmartBuy
SmartBuy accelerators; bonus cap 10K/month and 10K/day
Milestone
10,000 RP at Rs 4L calendar-quarter spends
08 / Diners Club

HDFC BizBlack

HDFC Bank

HDFC Bank BizBlack Credit Card

Why it qualifies

2% foreign-currency markup with Global Value cashback eligibility

Enrolment, cashback and business-card terms apply.

Card highlights

Base
5 RP per Rs 150 on eligible retail spends
5X
25 RP per Rs 150 on eligible business and tax categories after Rs 50K spend per cycle
Lounge
Unlimited domestic + international access
09 / Mastercard World Elite

ICICI Emeralde Private

ICICI Bank

ICICI Bank Emeralde Private Metal Credit Card

Why it qualifies

2% foreign-currency markup

GST applies; eligible international spends retain the card's base rewards.

Card highlights

Base
6 RP per Rs 200, about 3% reward value
iShop
6X flights/vouchers, 12X hotels; bonus cap 18K/month, 10K/day
Welcome
12,500 RP after joining-fee payment + Taj Epicure Plus

These matches use published earn rules and exclude known zero-earn categories. Merchant category codes, caps, payment routes and issuer changes still control the final reward. Each card detail page includes its current exclusion list and official source.

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