🥇 Best for this trip
ixigo AU Credit Card
Forex markup
0%
Forex cost
₹0
Reward earned
₹4,500
Cash advance penalty: ₹1,198 (skip the ATM if you can)
−₹3,302
Net trip cost
Best card for this trip.
Forex markup × spend is the biggest knob — but cash withdrawal fees and DCC (dynamic currency conversion) traps swing the answer. Enter your trip and we'll rank cards by net cost, not headline rate.
Destination
Days abroad
Total spend (₹)
Cash withdrawals (₹)
Pick this card for 🇺🇸 United States
ixigo AU Credit Card
Net trip cost −₹3,302. Saves ₹10,728 vs the worst-fee card in your wallet.
🇺🇸 United States — quirks to know
- →Tipping (~18%) often added in restaurant total — earn forex on the tip too.
- →Diners Club acceptance below 30%; carry a Visa/Mastercard backup.
#2
Diamond Reserve Credit Card
Forex markup
0%
Forex cost
₹0
Reward earned
₹3,006
Cash advance penalty: ₹1,198 (skip the ATM if you can)
−₹1,808
Net trip cost
#3
FIRST Private Credit Card
Forex markup
0%
Forex cost
₹0
Reward earned
₹3,006
Cash advance penalty: ₹1,198 (skip the ATM if you can)
−₹1,808
Net trip cost
#4
Lifestyle Credit Card
Forex markup
0%
Forex cost
₹0
Reward earned
₹3,006
Cash advance penalty: ₹1,198 (skip the ATM if you can)
−₹1,808
Net trip cost
#5
Business Multiplier Credit Card
Forex markup
0%
Forex cost
₹0
Reward earned
₹2,250
Cash advance penalty: ₹1,198 (skip the ATM if you can)
−₹1,052
Net trip cost
#6
Scapia Card
Forex markup
0%
Forex cost
₹0
Reward earned
₹2,250
Cash advance penalty: ₹1,198 (skip the ATM if you can)
−₹1,052
Net trip cost
#7
MARQUÉE Credit Card
Forex markup
1%
Forex cost
₹1,800
Reward earned
₹3,240
Cash advance penalty: ₹1,198 (skip the ATM if you can)
−₹242
Net trip cost
#8
Kotak Solitaire Credit Card
Forex markup
0%
Forex cost
₹0
Reward earned
₹1,350
Cash advance penalty: ₹1,198 (skip the ATM if you can)
−₹152
Net trip cost
#9
FIRST WOW! Black Credit Card
Forex markup
0%
Forex cost
₹0
Reward earned
₹1,206
Cash advance penalty: ₹1,198 (skip the ATM if you can)
−₹8
Net trip cost
#10
World Safari Credit Card
Forex markup
0%
Forex cost
₹0
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹298
Net trip cost
#11
Pioneer Heritage Credit Card
Forex markup
0%
Forex cost
₹0
Reward earned
₹720
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹478
Net trip cost
#12
FIRST WOW! Credit Card
Forex markup
0%
Forex cost
₹0
Reward earned
₹306
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹892
Net trip cost
#13
FIRST WOW! Credit Card
Forex markup
0%
Forex cost
₹0
Reward earned
₹306
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹892
Net trip cost
#14
Paytm HDFC Bank Business Credit Card
Forex markup
1%
Forex cost
₹1,800
Reward earned
₹1,800
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹1,198
Net trip cost
#15
Kotak Infinite Credit Card
Forex markup
2%
Forex cost
₹3,600
Reward earned
₹3,600
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹1,198
Net trip cost
#16
ICICI Bank RuPay Credit Card
Forex markup
0.99%
Forex cost
₹1,782
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹2,080
Net trip cost
#17
AU NOMO Credit Card
Forex markup
0.99%
Forex cost
₹1,782
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹2,080
Net trip cost
#18
AU Traverse Credit Card for NRIs
Forex markup
0.99%
Forex cost
₹1,782
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹2,080
Net trip cost
#19
Tata Neu Infinity HDFC Bank Credit Card
Forex markup
2%
Forex cost
₹3,600
Reward earned
₹2,700
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹2,098
Net trip cost
#20
YES First Exclusive Credit Card Nri
Forex markup
1.75%
Forex cost
₹3,150
Reward earned
₹2,160
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹2,188
Net trip cost
#21
Zenith⁺ Credit Card
Forex markup
0.99%
Forex cost
₹1,782
Reward earned
₹450
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹2,530
Net trip cost
#22
Magnus Credit Card
Forex markup
2%
Forex cost
₹3,600
Reward earned
₹2,160
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹2,638
Net trip cost
#23
IndusInd Bank Avios Visa Infinite Credit Card
Forex markup
1.5%
Forex cost
₹2,700
Reward earned
₹1,080
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹2,818
Net trip cost
#24
Diners Club Black METAL Credit Card
Forex markup
2%
Forex cost
₹3,600
Reward earned
₹1,800
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹2,998
Net trip cost
#25
IndusInd Bank Tiger Credit Card
Forex markup
1.5%
Forex cost
₹2,700
Reward earned
₹720
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹3,178
Net trip cost
#26
Zenith Credit Card
Forex markup
1.99%
Forex cost
₹3,582
Reward earned
₹1,350
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹3,430
Net trip cost
#27
FIRST Wealth Credit Card
Forex markup
1.5%
Forex cost
₹2,700
Reward earned
₹306
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹3,592
Net trip cost
#28
Regalia Gold Credit Card
Forex markup
2%
Forex cost
₹3,600
Reward earned
₹1,080
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹3,718
Net trip cost
#29
SBI Card ELITE
Forex markup
1.99%
Forex cost
₹3,582
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹3,880
Net trip cost
#30
PSB SBI Card ELITE
Forex markup
1.99%
Forex cost
₹3,582
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹3,880
Net trip cost
#31
CA Metal Credit Card
Forex markup
1.99%
Forex cost
₹3,582
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹3,880
Net trip cost
#32
Kotak Air+ Credit Card
Forex markup
2%
Forex cost
₹3,600
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹3,898
Net trip cost
#33
FIRST Select Credit Card
Forex markup
1.99%
Forex cost
₹3,582
Reward earned
₹684
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹4,096
Net trip cost
#34
YES Prosperity Business Credit Card
Forex markup
2.5%
Forex cost
₹4,500
Reward earned
₹1,440
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹4,258
Net trip cost
#35
SBI Card
Forex markup
1.99%
Forex cost
₹3,582
Reward earned
₹450
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹4,330
Net trip cost
#36
SBI Card Miles Elite
Forex markup
1.99%
Forex cost
₹3,582
Reward earned
₹450
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹4,330
Net trip cost
#37
SBI Card
Forex markup
1.99%
Forex cost
₹3,582
Reward earned
₹450
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹4,330
Net trip cost
#38
SBI Card
Forex markup
1.99%
Forex cost
₹3,582
Reward earned
₹450
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹4,330
Net trip cost
#39
YES Bank ZAGG Credit Card
Forex markup
1.99%
Forex cost
₹3,582
Reward earned
₹360
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹4,420
Net trip cost
#40
FIRST Business Credit Card
Forex markup
1.99%
Forex cost
₹3,582
Reward earned
₹306
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹4,474
Net trip cost
#41
Solitaire Business Credit Card
Forex markup
1.99%
Forex cost
₹3,582
Reward earned
₹306
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹4,474
Net trip cost
#42
Kotak Biz Edge Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹3,006
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹4,492
Net trip cost
#43
Indian Oil HDFC Bank Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹2,700
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹4,798
Net trip cost
#44
Manchester United Signature Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹2,250
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹5,248
Net trip cost
#45
SBI Card MILES PRIME
Forex markup
2.5%
Forex cost
₹4,500
Reward earned
₹450
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹5,248
Net trip cost
#46
Tata Neu Plus HDFC Bank Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹1,800
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹5,698
Net trip cost
#47
Axis Bank Select Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹1,800
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹5,698
Net trip cost
#48
Fibe Axis Bank Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹1,800
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹5,698
Net trip cost
#49
YES Bank Select Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹1,440
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,058
Net trip cost
#50
ABC Nxt and Flex Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹1,350
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,148
Net trip cost
#51
SBI Card MILES
Forex markup
3%
Forex cost
₹5,400
Reward earned
₹216
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,382
Net trip cost
#52
ICICI Bank Coral Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,598
Net trip cost
#53
ICICI Bank Sapphiro Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,598
Net trip cost
#54
HPCL Coral Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,598
Net trip cost
#55
Platinum Chip Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,598
Net trip cost
#56
FIRST Corporate
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,598
Net trip cost
#57
Chennai Super Kings ICICI Bank Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,598
Net trip cost
#58
FIRST EA₹N - FD Backed Virtual RuPay Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹900
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,598
Net trip cost
#59
Axis Bank Atlas
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹720
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,778
Net trip cost
#60
Horizon Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹720
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,778
Net trip cost
#61
MY ZONE EASY Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹720
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,778
Net trip cost
#62
My Zone Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹720
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,778
Net trip cost
#63
Miles & More Axis Bank Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹720
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹6,778
Net trip cost
#64
NEO Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹180
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹7,318
Net trip cost
#65
Google Pay Flex Axis Bank Credit Card
Forex markup
3.5%
Forex cost
₹6,300
Reward earned
₹72
Cash advance penalty: ₹1,198 (skip the ATM if you can)
₹7,426
Net trip cost
Always pay in local currency
Terminals abroad will offer to charge in INR (DCC). Decline. The shop's exchange rate is 4–8% worse than your bank's, on top of your card's forex markup.
Don't use the ATM unless desperate
Cash advance triggers a 2.5% fee + finance charges from day one. A ₹20K cash withdrawal costs ~₹1,200 in penalties — more than the entire trip's forex markup on a 1% card.
Apply 30 days before travel
Issuers take 7–14 days to dispatch a forex-friendly card. Apply early so you have it for your departure, not your return.