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Comparison

Forex Card vs Credit Card vs Cash

The real cost of each, on a ₹2 lakh trip.

Updated 17 August 2026

Your numbers

₹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.

Questions

How often is this page updated?

Rate tables are refreshed weekly, and immediately after an RBI policy change or a Budget announcement. Every figure on the page carries the date it was captured and a link to its source, so you can always see how current it is.

Does Credsir get paid to rank products here?

No. We earn from partner links and advertising, but rankings come from a published scoring formula that runs identically on every product, whether we earn from it or not. Products we make nothing from appear in these lists whenever they win on the numbers.

Are these the rates I will actually be offered?

Advertised rates are the best case, reserved for applicants with a high credit score, stable income and a favourable profile. Your offer depends on your credit score, employer, income and existing obligations. Treat published rates as the floor, not the quote.

Related reading

Worth knowing.Rates, fees and terms change frequently and vary by applicant. Everything here is general information, not personalised advice. Confirm the current terms directly with the institution before you apply. How we research and rate.