Scope of rate
Confirm whether the stated markup applies everywhere or only at a selected destination or transaction type.
Decision framework
Use the category to frame the question—not to declare a winner.
Cards with relatively low published foreign-currency markup, useful for international spend comparisons. The right comparison still depends on fees, caps, exclusions, qualification rules and how you actually use the card.
GST and FX spread
Markup is not the only potential international cost; tax, DCC and exchange-rate effects can add more.
Rewards overseas
Check whether international spend still earns points and whether accelerated rewards offset the markup.
Annual fee
A 0% or 1% forex rate is valuable only if the annual fee and eligibility still fit your usage.
Issuer coverage
Which issuer portfolios appear most often here?
This is database coverage only. More published cards does not mean a better issuer, easier approval or stronger customer service.
01Issuer dossierICICI Bank4 cards in this category
02Issuer dossierAU Small Finance Bank4 cards in this category
03Issuer dossierKotak Mahindra Bank4 cards in this category
04Issuer dossierIDFC FIRST Bank3 cards in this category
05Issuer dossierHDFC Bank3 cards in this category
06Issuer dossierYES BANK3 cards in this category
07Issuer dossierIndusInd Bank3 cards in this category
08Issuer dossierPunjab National Bank2 cards in this category
Published card research
Inspect the exact cards behind this category.
Search locally, narrow by issuer or status, and open the full dated card dossier before relying on any fee, reward, lounge or forex term.
31of 31 published records visible
Axis Bank · Active
Open dossier Axis Bank Magnus Credit Card
A premium Axis Bank travel card where transfer partners, lounge access and forex cost matter more than a simple cashback percentage.
Annual fee₹12,500 + applicable taxes for the standard Magnus Credit Card.
Rewards12 EDGE Reward Points per ₹200 on cumulative monthly spends up to ₹1.5 lakh, then 35 points per ₹200 on incremental eligible spend above that threshold; Travel EDGE acceleration applies separately.
LoungeUnlimited complimentary domestic lounge visits and unlimited complimentary international Priority Pass visits, plus 4 guest visits per year under the current Magnus page.
Forex2% forex markup on foreign transactions; the current Magnus fee page also lists 2% DCC markup.
Best useHigh-spend premium travelers who can use lounges, travel transfers and premium lifestyle benefits.
2 first-party sourcesReviewed September 11, 2026
IDFC FIRST Bank · Active
Open dossier IDFC FIRST Wealth Credit Card
A no-annual-fee premium card distinguished in the reviewed schedule by a 1.50% forex markup.
Annual feeNil under the current IDFC FIRST Bank schedule of charges.
Rewards3X reward points on regular eligible spend and 10X on eligible monthly spend above ₹20,000 and on the cardholder birthday.
Lounge2 complimentary domestic airport lounge/spa visits plus 2 complimentary international lounge visits per quarter, and 4 railway-lounge visits per quarter, subject to current spend conditions.
Forex1.50% markup on international transactions under current IDFC FIRST Bank lifetime-free card guidance and fee schedule.
Best useHigher-tier applicants who want a no-annual-fee premium card and care about international spending costs.
3 first-party sourcesReviewed September 11, 2026
IDFC FIRST Bank · Active
Open dossier IDFC FIRST WOW! Credit Card
A secured, lifetime-free IDFC FIRST card with nil forex markup in the reviewed fee schedule.
Annual feeNil under the current IDFC FIRST Bank schedule of charges.
RewardsUp to 4X never-expiring reward points under current FIRST WOW! guidance.
LoungeNo complimentary lounge quota is listed for the standard FIRST WOW! card on the reviewed current lifetime-free card page.
Forex0% / Nil forex markup under the current FIRST WOW! guidance and IDFC FIRST Bank fee schedule.
Best useApplicants considering a secured credit card and users who value zero forex markup on the reviewed schedule.
4 first-party sourcesReviewed September 11, 2026
IDFC FIRST Bank · Active
Open dossier IDFC FIRST Mayura Credit Card
A premium IDFC FIRST metal card with Nil forex markup in the current fee schedule, substantial lounge access and a paid-renewal reward benefit rather than a fee waiver.
Annual fee₹5,999 under the current IDFC FIRST Bank schedule of charges.
RewardsCurrent issuer positioning advertises up to 10X reward points; the annual-fee-payment benefit can separately award 7,500 or 15,000 points at the published prior-year spend thresholds after fee payment.
LoungeCurrent IDFC FIRST material lists 4 domestic and 4 international lounge visits per quarter for Mayura, plus one guest entry at domestic airports, subject to programme conditions.
Forex0% / Nil forex markup under the current IDFC FIRST Bank fee schedule and card-directory positioning.
Best useHigh-spend travelers who can use Mayura’s premium travel benefits and zero-forex structure enough to justify the ₹5,999 annual fee.
4 first-party sourcesReviewed September 11, 2026
HDFC Bank · Active
Open dossier HDFC Bank Diners Club Black Metal Edition
A super-premium HDFC metal card combining strong reward transfer/redemption options, unlimited lounge access and quarterly milestone points.
Annual fee₹10,000 + applicable taxes
Rewards5 Reward Points per ₹150 on eligible spends; up to 10X via SmartBuy; 10,000 bonus Reward Points on ₹4 lakh calendar-quarter spends
LoungeUnlimited complimentary global airport lounge access for primary and add-on cardholders on the reviewed issuer page
Forex2% foreign-currency markup on the reviewed issuer page
Best useHigh-spend travelers who can use lounge access, premium redemptions and quarterly reward milestones enough to justify the fee.
3 first-party sourcesReviewed September 11, 2026
HDFC Bank · Active
Open dossier HDFC Bank Regalia Gold Credit Card
A travel-oriented HDFC premium card with a ₹2,500 annual fee, 2% forex markup, reward acceleration and spend-conditioned lounge/milestone benefits.
Annual fee₹2,500 + applicable taxes
Rewards5 Reward Points per ₹200 on eligible spends under the current post-15-May-2026 structure; selected-brand acceleration and milestone vouchers remain subject to current issuer terms.
Lounge3 complimentary domestic airport lounge visits per calendar quarter after ₹60,000 eligible spend in the preceding calendar quarter; up to 6 complimentary Priority Pass lounge visits per calendar year outside India.
Forex2% foreign-currency markup
Best useUpper-mid-tier travelers who can use lounge access, milestone vouchers and travel-oriented reward redemptions.
3 first-party sourcesReviewed September 11, 2026
HDFC Bank · Active
Open dossier HDFC Bank Infinia Metal Edition Credit Card
HDFC Bank’s super-premium metal card with unlimited global lounge access, 5 Reward Points per ₹150 and a high annual fee that demands substantial benefit usage.
Annual fee₹12,500 + applicable taxes for the current Infinia Metal Edition structure.
Rewards5 Reward Points per ₹150 on eligible spends; up to 10X Reward Points on SmartBuy
LoungeUnlimited complimentary domestic airport-lounge access for primary and add-on cardholders using the Infinia card, plus complimentary Priority Pass lounge access outside India for primary and add-on Priority Pass holders; guest visits are chargeable under current lounge terms.
Forex2% foreign-currency transaction markup under the current HDFC Bank fee schedule for Infinia Metal Edition.
Best useVery high-spend travelers who can extract real value from premium travel, concierge, hotel, golf and high-value reward redemptions.
4 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier Amazon Pay ICICI Bank Credit Card
A lifetime-free Amazon co-branded card with unlimited merchant-linked rewards, automatic Amazon Pay balance redemption and a 1.99% published forex markup.
Annual feeNil
Rewards5% Amazon Pay rewards on eligible Amazon purchases for Prime members; 3% for non-Prime members; 2% at eligible Amazon Pay partner merchants; 1% on eligible other spends
LoungeNot positioned as an airport-lounge card
Forex1.99% foreign-currency markup on the reviewed issuer page
Best useAmazon-heavy users who want an annual-fee-free card with simple, non-expiring Amazon Pay rewards and a relatively low published forex markup.
2 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier MakeMyTrip ICICI Bank Credit Card
A travel-focused ICICI/MakeMyTrip card combining myCash, MMTBLACK membership, lounge benefits and a low 0.99% forex markup.
Annual fee₹999 + GST
RewardsUp to 6% myCash on eligible MakeMyTrip bookings; unlimited myCash rewards that do not expire under the reviewed product proposition
Lounge2 complimentary domestic airport lounge visits per quarter after ₹75,000 spend in the preceding calendar quarter, plus 1 complimentary international airport lounge visit annually; lounge benefits are for the primary cardholder.
Forex0.99% foreign-currency markup
Best useTravelers who frequently book through MakeMyTrip and want a published 0.99% forex markup with merchant-linked travel rewards.
3 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier ICICI Bank Emeralde Private Metal Credit Card
An invite-only super-premium ICICI metal card with unlimited airport lounge access, premium memberships, 2% forex markup and a ₹12,499 annual fee.
Annual fee₹12,499 + GST
Rewards6 Reward Points per ₹200 on eligible retail spends on the reviewed issuer page, with category-specific caps for grocery, utilities, education and insurance
LoungeUnlimited complimentary domestic and international airport lounge access for primary and Plus card members on the reviewed issuer page
Forex2% foreign-currency markup
Best useInvite-only high-spend customers who can use unlimited lounges, premium memberships, golf, concierge and travel protections enough to justify the fee.
4 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier Times Black ICICI Bank Credit Card
A super-premium ICICI/Times Internet Visa card with unlimited lounge access, 1.49% forex markup and an expensive lifestyle-heavy benefit stack.
Annual fee₹20,000 + GST
Rewards2% ICICI Bank Reward Points on eligible domestic spends and 2.5% on eligible international spends on the reviewed issuer page
LoungeUnlimited complimentary domestic and international airport lounge access; Priority Pass membership is included for eligible primary/Plus cardholders
Forex1.49% foreign-currency markup
Best useUltra-high-spend premium travelers who can use unlimited lounges, luxury stays, travel services and high-end lifestyle benefits enough to offset a ₹20,000 annual fee.
4 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier ixigo AU Credit Card
A travel-focused AU/ixigo card combining current lifetime-free promotional pricing, zero forex markup, travel rewards and spend-conditioned lounge access.
Annual feeCurrently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies.
Rewards2.5% rewards on eligible spends, travel discounts through ixigo, 1,000 Reward Points plus 1,000 ixigo Money welcome value, and 5,000 bonus Reward Points at ₹75,000 quarterly spend under reviewed terms
LoungeUp to 8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter spend, 8 railway lounge visits annually, and 1 international lounge visit annually via Priority Pass
Forex0% forex markup on the reviewed dedicated product page
Best useTravel-heavy users seeking zero forex markup, travel-platform discounts and meaningful lounge access, especially while the lifetime-free offer remains available.
3 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU Zenith Credit Card
AU's premium Zenith card combines 1.99% forex markup, domestic and international lounge access, accelerated rewards and concierge-style benefits.
Annual fee₹7,999 + applicable taxes.
RewardsAccelerated AU Rewardz earning on dining, groceries and other eligible categories, plus 1,000 bonus Reward Points on ₹50,000 monthly retail spend under reviewed terms
Lounge8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter retail spend and 8 international lounge visits annually via Priority Pass
Forex1.99% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best usePremium travelers who can use domestic/international lounges and low-forex pricing but do not need the Zenith+ metal tier.
2 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU Zenith+ Credit Card
A super-premium AU metal card with 0.99% forex markup, 32 combined annual domestic/international lounge visits and premium lifestyle benefits.
Annual fee₹4,999 + applicable taxes
RewardsUp to 2 Reward Points per ₹100 on dining, travel and international spends; reviewed AU FAQ values 1 Zenith+ Reward Point at ₹1, with welcome voucher/points and milestone benefits
Lounge16 domestic airport lounge visits and 16 international lounge visits annually (4 per quarter each) under reviewed terms; Priority Pass within India is chargeable
Forex0.99% cross-currency markup
Best useHigh-income travelers who value 0.99% forex, frequent lounge access, premium airport services and a metal-card benefit stack.
3 first-party sourcesReviewed September 11, 2026
YES BANK · Active
Open dossier YES BANK RESERV Credit Card
A premium YES BANK card with strong online/offline point acceleration, 1.75% forex markup and both domestic and international lounge access.
Annual fee₹2,499 + applicable GST
Rewards24 YES Rewardz Points per ₹200 on eligible online shopping, 12 per ₹200 on eligible offline shopping and 6 per ₹200 on select categories in the reviewed value chart
Lounge3 complimentary domestic lounge visits per quarter and 6 international lounge visits per year in the reviewed value chart; domestic access is subject to current qualifying-spend rules
Forex1.75% foreign-currency conversion charge
Best useFrequent online spenders and travelers who value a 1.75% forex markup and a materially larger lounge allowance than lower YES BANK tiers.
4 first-party sourcesReviewed September 9, 2026
YES BANK · Active
Open dossier YES BANK MARQUEE Credit Card
YES BANK's super-premium MARQUEE combines 1% forex, high online/offline reward rates, unlimited international lounge access and a substantial premium fee structure.
Annual fee₹4,999 + applicable GST
Rewards36 YES Rewardz Points per ₹200 on eligible online shopping, 18 per ₹200 on eligible offline spends and 10 per ₹200 on select categories in the reviewed value chart
LoungeUnlimited international lounge visits in the reviewed value chart plus 6 complimentary domestic lounge visits per quarter; current domestic lounge qualification requires ₹1 lakh qualifying spend in the preceding quarter
Forex1% foreign-currency conversion charge
Best useHigh-spend travelers who can use the card's 1% forex pricing, large lounge allowance and premium online reward rate enough to justify a high joining fee.
4 first-party sourcesReviewed September 9, 2026
YES BANK · Active
Open dossier YES BANK UNI Credit Card
A YES BANK card distinguished by 0% foreign-currency conversion markup; the standard card has a ₹499 renewal fee while the separate RuPay variant is listed lifetime-free.
Annual fee₹499 + applicable GST for the standard UNI Credit Card; the separate UNI RuPay variant is listed lifetime-free
RewardsReward mechanics depend on the current UNI proposition; the verified decision-relevant differentiator in the reviewed issuer documents is zero foreign-currency conversion markup
LoungeNot treated as a core lounge card in this research profile; verify current product features before relying on lounge access
Forex0% foreign-currency conversion charge on YES BANK UNI and UNI RuPay in the reviewed Schedule of Charges
Best useInternational spenders who primarily care about zero issuer forex markup and can accept a simpler benefit profile.
2 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Invite Only
Open dossier Kotak Solitaire Credit Card
An invite-only relationship credit card combining zero forex markup, unlimited global lounge access and travel-focused Air Miles without a standard annual fee for eligible Solitaire customers.
Annual feeReviewed Kotak Solitaire launch states no annual fee for eligible Solitaire customers
Rewards10 Air Miles per ₹100 on eligible travel bookings through Kotak Unbox on the reviewed issuer listing
LoungeUnlimited global airport lounge access for primary and add-on card members on the reviewed issuer listing
Forex0% foreign-currency transaction markup under the reviewed Kotak MITC
Best useAffluent Kotak customers already eligible for Solitaire who travel internationally and can use unlimited lounge access and zero forex markup.
4 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak White Reserve Credit Card
A super-premium Kotak card with a ₹12,500 annual fee, ₹10 lakh fee-waiver threshold, 2% forex markup and unlimited global lounge access.
Annual fee₹12,500 + applicable taxes
RewardsWhite Pass value can scale with eligible annual spend; the reviewed Kotak listing advertises value up to ₹2.5 lakh annually
LoungeUnlimited global airport lounge access for primary and add-on cardholders on the reviewed issuer listing
Forex2% foreign-currency transaction markup under the reviewed KFS/MITC
Best useVery high-spend premium travelers who can naturally clear the fee threshold and use lounge, concierge and milestone value.
4 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak Air+ Credit Card
A ₹3,000 travel card with Air Miles, six annual lounge visits and a 2% forex markup, but no spend-based annual-fee waiver in the reviewed KFS.
Annual fee₹3,000 + applicable taxes
Rewards2,500 Air Miles as welcome/renewal benefit; 5 Air Miles per ₹100 on eligible Kotak Unbox travel bookings and 2 Air Miles per ₹100 on other eligible purchases
Lounge2 complimentary international and 4 domestic airport lounge visits annually on the reviewed product listing
Forex2% foreign-currency transaction markup under the reviewed KFS
Best useTravelers who prefer a simple air-mile currency, can use the six annual lounge visits and spend enough to justify a non-waivable ₹3,000 fee.
4 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak 811 #DreamDifferent Credit Card
A secured Kotak credit card backed by a term deposit, with no annual fee, a conditional joining fee and a 2% forex markup in the reviewed MITC.
Annual feeNil under the reviewed KFS
RewardsCurrent issuer material lists online-spend reward acceleration plus other eligible-spend rewards; exact promotional earn presentation can vary by offer
LoungeNot positioned as a lounge-led card
Forex2% foreign-currency transaction markup under the reviewed Kotak MITC
Best usePeople building credit through a secured card who want no annual fee and a lower-than-standard Kotak forex markup.
4 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Legend Credit Card
A lifetime-free-positioned rewards card with double weekend earn and 1.8% forex markup; importantly, its airport-lounge benefit was discontinued in March 2025.
Annual feeLifetime-free positioning on the reviewed current issuer range
Rewards1 Reward Point per ₹100 on weekdays and 2 Reward Points per ₹100 on weekends, plus a published annual-spend bonus structure
LoungeThe issuer states lounge access was discontinued effective March 7, 2025
Forex1.8% foreign-currency markup on the reviewed issuer page
Best useUsers who value weekend reward acceleration, movie/fuel benefits and a relatively low 1.8% forex markup more than airport-lounge access.
2 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Tiger Credit Card
A rare lifetime-free premium card combining 1.5% forex markup, domestic/international lounge visits, golf and tiered reward acceleration.
Annual feeNil under the reviewed Tiger MITC
RewardsAccelerated tiered rewards of up to 6 Reward Points per ₹100 on eligible spend; cash-redemption value and caps apply
Lounge2 complimentary domestic lounge visits per quarter and 2 international Priority Pass visits per year on the reviewed issuer page
Forex1.5% foreign-currency markup on the reviewed issuer page
Best useTravel-oriented users who want a lifetime-free premium card with 1.5% forex, limited lounge access, golf and accelerated rewards.
3 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Avios Visa Infinite Credit Card
A premium airline-miles card built around Avios, a chosen airline programme and a preferred international destination, with 1.5% forex pricing specifically at that selected destination.
Annual feeSee current IndusInd Bank MITC / application offer
RewardsChoose British Airways Executive Club or Qatar Airways Privilege Club; earn Avios with accelerated earn at a selected international destination and milestone benefits of up to 36,000 bonus Avios a year
LoungeTravel benefits are premium and itinerary-led; verify the current lounge entitlement in the controlling issuer terms before relying on it
Forex1.5% discounted forex markup for POS transactions at the selected preferred international destination; other international transactions can follow different pricing
Best useFrequent international travelers who can concentrate spend on a selected destination and genuinely use British Airways or Qatar Airways Avios.
2 first-party sourcesReviewed September 9, 2026
Federal Bank · Active
Open dossier Scapia Federal Credit Card
A no-annual-fee Federal Bank co-brand built around travel, zero forex markup and spend-unlocked unlimited domestic lounge access.
Annual feeNil in the reviewed Federal Bank MITC
RewardsCurrent Federal Bank terms state 10% rewards on eligible Visa purchases of ₹20+ and 5% on eligible RuPay spends above ₹500, plus 20% rewards on travel purchases made in the Scapia app; rewards convert to Scapia Coins on statement date
LoungeUnlimited domestic lounge access after ₹20,000 total eligible monthly spend under current Federal/Scapia terms; the threshold is aggregated across Visa/RuPay variants for a user holding both.
ForexZero forex markup under the reviewed Federal Bank Scapia terms
Best useTravel-heavy users who want zero forex markup, no annual fee and can naturally meet Scapia's lounge-unlock spend conditions.
6 first-party sourcesReviewed September 11, 2026
Punjab National Bank · Active
Open dossier PNB LUXURA RuPay Metal Credit Card
PNB’s super-premium RuPay metal card pairs nil forex markup and unlimited lounges with 4 points per ₹100, travel/dining acceleration and a high fee structure.
Annual fee₹7,500 + GST
Rewards4 Reward Points per ₹100 on eligible spend, with 3X Reward Points on travel and dining plus milestone rewards
LoungeUnlimited complimentary domestic and international airport lounge access on the reviewed PNB product page
ForexNil forex markup
Best useHigh-income travelers who can use unlimited lounges, zero forex markup and premium hospitality benefits enough to justify the large fee exposure.
4 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Active
Open dossier PNB LUXURA Visa Metal Credit Card
A premium Visa Infinite metal card with nil forex markup, unlimited lounges, 4 points per ₹100 and a lower published annual fee than PNB’s RuPay LUXURA.
Annual fee₹1,999 + GST
Rewards4 Reward Points per ₹100 on eligible spend, with 3X Reward Points on travel and dining plus milestone rewards
LoungeUnlimited complimentary domestic and international airport lounge access on the reviewed PNB product page
ForexNil forex markup
Best usePremium international travelers who want zero forex markup and unlimited lounges but prefer the materially lower fee of the Visa LUXURA over the RuPay metal version.
4 first-party sourcesReviewed September 9, 2026
AU Small Finance Bank · Active
Open dossier AU NOMO Credit Card
A fixed-deposit-backed AU credit card with a ₹199 one-time joining fee, 0.99% forex markup, rewards and spend-conditioned lounge access.
Annual feeNil from second year under the reviewed current product proposition
Rewards2 Reward Points per ₹100 on eligible retail spends; reviewed page states 1 RP = ₹0.25, with 5,000 points per statement-cycle cap
LoungeCurrent AU product banner states 2 complimentary domestic airport lounge visits per quarter after ₹50,000 quarterly spend, effective 10 April 2026.
Forex0.99% forex markup on the reviewed AU NOMO page
Best useCustomers building credit with an FD-backed card who can use a low forex markup and modest lounge/reward benefits without needing unsecured underwriting.
2 first-party sourcesReviewed September 9, 2026
Bank of Baroda / BOBCARD · Active
Open dossier BOBCARD ETERNA Credit Card
BOBCARD's premium ETERNA proposition combines accelerated travel/dining/international rewards, domestic lounge privileges and a published 2% forex markup.
Annual fee₹2,499 from the second year under the current BOBCARD product page.
Rewards15 reward points per ₹100 on eligible dining, travel and international spends; 3 reward points per ₹100 on other eligible categories. Accelerated-category points are capped under the current programme, and 1 reward point can be redeemed for ₹0.25 cashback.
LoungeUnlimited complimentary domestic airport-lounge access is advertised, subject to the current BOBCARD lounge eligibility criteria; verify the controlling spend/eligibility rule before travel.
Forex2% foreign-currency markup on international spends on the reviewed current product page.
Best useHigher-spend travellers who can use dining/travel accelerators, domestic lounge access and the published 2% forex rate.
2 first-party sourcesReviewed September 12, 2026
HSBC India · Active
Open dossier HSBC Live+ Credit Card
A cashback-led HSBC card combining a capped 10% accelerator, 1.5% base cashback, annual lounge visits and a 1.99% forex markup.
Annual fee₹999; the current product page states it is waived when annual spend exceeds ₹2 lakh.
Rewards10% accelerated cashback on eligible dining, food delivery, grocery, shopping and utility spend, capped at ₹1,200 per month across those categories; 1.5% unlimited cashback on most other eligible spend, subject to exclusions.
Lounge2 domestic and 1 international complimentary airport-lounge visits per year under the current product page.
Forex1.99% forex markup on international transactions under the current HSBC product page.
Best useUsers with concentrated dining/grocery/shopping/utility spend who also value a published 1.99% forex rate.
2 first-party sourcesReviewed September 12, 2026
Standard Chartered India · Active
Open dossier Standard Chartered Ultimate Credit Card
Standard Chartered's premium Ultimate card combines 5 points per ₹150 at a stated ₹1-per-point value with quarterly lounge access and reduced 2% forex.
Annual fee₹5,000 from year 2 onward under the current Standard Chartered tariff.
Rewards5 reward points per ₹150 on eligible spend, with the current product page valuing each reward point at ₹1.
Lounge4 complimentary domestic airport-lounge visits per calendar quarter under the current product page, plus broader travel/lifestyle access subject to programme rules.
Forex2% foreign-currency markup on overseas transactions under Standard Chartered's current Ultimate product/tariff guidance.
Best usePremium spenders who can use the card's 5-point earn, high domestic lounge quota and published 2% forex rate enough to justify the ₹5,000 fee.
3 first-party sourcesReviewed September 12, 2026
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Maintained head-to-heads
Close comparisons already researched inside Low Forex Markup Credit Cards.
Only curated pairs that passed the existing substantive-comparison guard appear here. The engine does not generate every possible permutation.
Maintained comparisonAxis Bank Magnus Credit CardvsIDFC FIRST Mayura Credit CardCompare →Maintained comparisonHDFC Bank Diners Club Black Metal EditionvsHDFC Bank Infinia Metal Edition Credit CardCompare →Maintained comparisonHDFC Bank Regalia Gold Credit CardvsHDFC Bank Diners Club Black Metal EditionCompare →Maintained comparisonMakeMyTrip ICICI Bank Credit CardvsHDFC Bank Regalia Gold Credit CardCompare →Maintained comparisonMakeMyTrip ICICI Bank Credit CardvsIDFC FIRST Wealth Credit CardCompare →Maintained comparisonICICI Bank Emeralde Private Metal Credit CardvsHDFC Bank Infinia Metal Edition Credit CardCompare →Maintained comparisonTimes Black ICICI Bank Credit CardvsHDFC Bank Infinia Metal Edition Credit CardCompare →Maintained comparisonTimes Black ICICI Bank Credit CardvsICICI Bank Emeralde Private Metal Credit CardCompare →