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Travelling abroad: 10 tips for managing your finances

Key Takeaways

  • Create a travel budget, monitor exchange rates, and use secure digital payments to save on any extra charges.
  • Look out for travel-friendly credit cards that offer a zero-forex markup, and discounts on bookings for cost-effective transactions.
  • Always have a flexible repayment credit card to take care of any unexpected expenses while traveling.
27 May 2025 by Team FinFIRST
Travelling abroad: 10 tips for managing your finances
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Do you wish to travel to abroad this year? Travelling abroad is an exciting experience but comes with the responsibility of managing finances wisely and creating a realistic budget. Trips without careful financial considerations can burn a hole in your pocket and lead to unnecessary financial stress in the future. To avoid this, use proper financial strategies and financial tools like IDFC FIRST Bank's credit cards to get additional benefits and discounts on your travel.

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Smart financial planning tips for a relaxed international travel
 

Here are a few strategies that may seem small but can help save if implemented during your trip.

1. Set a travel budget
 

Calculate the total cost of your trip, such as flights, lodging, food, activities, and emergency fund. Stick to the budget to prevent overspending.

2. Select the right payment mode
 

While travelling, carry a mix of credit cards and local currency. Pay with international credit cards for big purchases and use local cash for small expenses.
Tip: The FIRST WOW! credit card offers zero forex markup, making it a cost-effective option for overseas transactions.

3. Notify your bank before travelling
 

Notify your bank about your travel dates and destinations so your international transactions won’t be flagged as a suspicious activity.

4. Pay digitally
 

Carrying cash in unknown countries may prove to be risky. To avoid carrying more cash, use secure online payment services and mobile wallets. Certain credit cards also offer additional security features.

Travelling smart isn’t just about the destination – it’s about managing your finances wisely along the way.

5. Use airport lounge access
 

Long layovers can be exhausting. Airport lounges can enhance travel by providing cosy waiting areas and complimentary refreshments.
The FIRST Wealth credit card offers access to 45+ global and domestic lounges.

6. Track exchange rates and forex charges
 

Track exchange rates to obtain the best value for currency conversion. Using a credit card with low or zero forex markup can help you save money.

7. Withdraw cash wisely
 

Avoid frequent ATM withdrawals, as they may incur additional fees. Instead, withdraw enough in one transaction to minimise these costs.
The FIRST WOW! credit card offers interest-free foreign currency ATM withdrawals worldwide for 45 days.

8. Monitor your expenditure
 

Use budgeting applications or bank alerts to track your expenses real-time. This avoids overspending and keeps you within the budget.

9. Leverage discounts on travel bookings
 

Many credit cards offer discounts on flights, stays, and activities when booked from partner websites.
For example, the FIRST Wealth credit card offers up to 20% discount on Yatra and MakeMyTrip bookings.

10. Keep emergency funds aside
 

Sometimes, unforeseen circumstances emerge while travelling. Therefore, save an emergency fund to meet such expenses. Alternatively, a credit card with flexible repayment options can be a lifesaver during emergencies.

Conclusion

Effective financial planning for international trips requires careful planning with the help of the right financial tools. Thus, IDFC FIRST Bank credit cards offer zero forex markup facilities, interest-free cash withdrawals from ATMs, and travel discount facilities, thereby making your travels hassle-free. Plan smart, spend shrewdly, and enjoy your overseas excursions with financial confidence.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.

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