Forex
Forex Markup Comparator
What spending abroad really costs on a credit card, forex card or cash.
₹2 L
₹1,000₹2,00,000₹5 Cr
03.5%6
01%6
02.5%8
₹0₹500₹10,000
Cheapest: Forex card
₹2,950
- Credit card51%
- Forex card18%
- Cash31%
- Credit card (3.5% + GST)
- ₹8,260
- Forex card (1% + GST + fee)
- ₹2,950
- Cash (2.5% margin)
- ₹5,000
- You save vs the worst option
- ₹5,310
What this means.GST at 18% applies on the markup, not the full amount. Separately, always decline "pay in INR" at foreign terminals — dynamic currency conversion adds 4–8% on top of everything above. Zero-markup credit cards change this comparison entirely.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
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