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Zero Forex Markup Credit Cards

Pay 0 forex fees on international spending

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Overview
Forex Cards
Eligibility
Features & Benefits
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What are zero forex markup credit cards?

International travel and online shopping can often come with an unwelcome surprise: high foreign exchange (forex) markup fees on your credit card payments. These fees, typically a percentage of your transaction value, can significantly inflate your expenses, making your well-planned budget unexpectedly higher. IDFC FIRST Bank offers a suite of zero forex Credit Cards, specifically designed to provide exceptional value and seamless convenience for all your global transactions. With these cards, the price you see is the price you pay, eliminating the guesswork and hidden costs associated with international spending. Whether you are a savvy traveller, global shopper, or an international student, zero forex Credit Card provide significant savings. They also include valuable travel and lifestyle benefits.

Best Zero Forex Markup Credit Cards by IDFC FIRST Bank

Mayura Credit Card

Premium Metal Credit Card
0% Forex Markup
Up to 10X Reward Points on credit card spends
50X Bonus Reward Points on Hotel Bookings and 30X Bonus Reward Points on Flight Bookings made via the IDFC FIRST Bank app
1 Reward Point = ₹0.50 for travel bookings via the IDFC FIRST Bank app (₹0.25 on other redemption options)
4 Complimentary visits to domestic airport lounges/spas including 1 guest visit to lounges every quarter
4 Complimentary visits to international airport lounges every quarter
Buy 1 Get 1 free on movie tickets (up to ₹500 off on second ticket), twice a month
Get reimbursed by up to ₹50,000 on non-refundable hotel and flight cancellations, twice a year

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FIRST WOW! Credit Card

Lifetime-free, secured credit card backed by a minimum Fixed Deposit of ₹20,000
0% forex markup
Earn 6.3% p.a. interest on your FD
Assured card - no income proof or credit history required
Withdraw cash interest-free from ATMs for up to 45 days
Earn up to 4X reward points on your spending
Seamless global acceptance and 24/7 premium customer support, powered by the Visa Infinite network.
Added peace of mind with up to ₹25,000 card liability cover, ₹2 lakh personal accident insurance, and ₹25,000 purchase protection

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Explore Low Forex Markup Cards by IDFC FIRST Bank

Ashva Credit Card

Premium Metal Credit Card
Only 1% Forex Markup
Up to 10X Reward Points on credit card spends
50X Bonus Reward Points on Hotel Bookings and 30X Bonus Reward Points on Flight Bookings made via the IDFC FIRST Bank app
1 Reward Point = ₹0.40 for travel bookings via IDFC FIRST Bank app (₹0.25 on other redemption options)
Cashback up to ₹2,000 as welcome benefit
4 Complimentary visits to domestic airport lounges/spas
2 Complimentary visits to international airport lounges every quarter
Buy 1 Get 1 free on movie tickets (up to ₹400 off on second ticket), twice a month
Get reimbursed by up to ₹25,000 on non-refundable hotel and flight cancellations, twice a year

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IndiGo IDFC FIRST Dual Credit Card

Enjoy the dual advantage of Mastercard and RuPay networks
1.49% forex markup
Earn up to 22 IndiGo BluChips on every spend & redeem for IndiGo flights
Earn vouchers of 5,000 IndiGo BluChips at each spending milestone of ₹2L, ₹5L, ₹8L, ₹10L, and ₹12L every year
Get a voucher of 3000 IndiGo BluChips on spending ₹1 lakh+ in the 1st 90 days
Get up to ₹25,000 in reimbursement per year for non-refundable flight and hotel cancellations
Two ways to apply : Secured card (against a fixed deposit) with no joining fee OR Unsecured card (based on your income and credit score) with a joining fee

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FIRST Wealth Credit Card

Lifetime-free credit card – no joining or annual fees
1.5% Forex markup
Welcome benefits worth up to ₹1,500
2 complimentary visits to domestic airport lounges or spas per quarter
2 complimentary visits to global airport lounges every quarter
Get reimbursed by up to ₹10,000 on non-refundable hotel and flight cancellations, twice a year
Up to 10X Reward Points on incremental spends of above ₹20,000 in a billing cycle and on your birthday
Up to 50X Bonus Reward Points on spends made via the IDFC FIRST Bank mobile app.

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Eligibility Criteria for Zero Forex Credit Cards

Age: 21 years and above

Salary: A stable and decent source of income through salary or self-employment (May vary depending on the card)

Credit Score: A good credit score as per the bank’s requirements

Note: For FD-backed credit cards, you need to above 18 years of age and create a Fixed Deposit linked to your credit card. No credit history or income proof required.

Documents required

Identity proof (Aadhaar card, PAN card, passport)
Address proof (Utility bill, Aadhaar)
Income proof (Salary slips, bank statement, or Form 16)

Features of Zero Forex Credit Cards

No Forex Markup

Save up to 3.5% on every international transaction.

Global Acceptance

Use your card at millions of merchants and ATMs worldwide.

Travel Perks

Enjoy complimentary benefits such as airport lounge access and travel insurance.

Reward Points

Earn rewards on your international and domestic spending.

Secure Payments

Your transactions are protected with chip and PIN security.

FAQs

What is a zero forex credit card?

A zero forex credit card is a credit card that does not charge a foreign currency conversion fee when you make purchases in another currency. This saves you money on every international transaction.

Which IDFC FIRST Bank credit card has zero forex fees?

The IDFC FIRST WOW! Credit Card and the Mayura Credit Card both offer a zero forex markup. This makes them ideal for international use.

Is a zero forex credit card better than a forex card?

A zero forex credit card offers more flexibility than a prepaid forex card. You get the benefit of a credit limit, insurance cover, purchase protection, earn reward points, and enjoy continuous use without needing to reload. It is a great option for frequent travellers.

How do I avoid foreign transaction fees?

Use a zero forex credit card for all your international spending. If you use a different card, always choose to pay in the local currency of the country you are in. This helps you avoid dynamic currency conversion charges set by merchants.