Match exact scope
Use the card variant, deposit type, customer category and effective date that actually apply.
Travel cost model
Put the controlling product term into the model—not the headline you remember.
Use the exact card/product forex markup and keep DCC or other overseas charges separate.
Inputs
Estimate foreign-currency markup
This estimates issuer markup and tax on that markup. Exchange-rate spreads, DCC and merchant-side charges can create additional cost.
Keep exclusions separate
Caps, taxes, DCC, premature closure, payout method and excluded spend may need separate treatment.
Recheck before action
Product terms can change after the recorded review date or after you last used this calculator.