Guide Best Zero Forex Markup Credit Cards in India (2025)

[asktriman]

If you shop online on foreign websites or travel abroad often, you have probably noticed the “foreign transaction fee” that gets added to every purchase. Most Indian credit cards charge around 2 to 3.5 percent as forex markup on international spending.

The good news is that a few cards now come with zero forex markup, which means you can use them internationally without paying that extra fee. Here’s a complete list of such cards available in India in 2025, along with their annual fees.

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Zero Forex Markup Credit Cards List (2025)​

Credit Card Name	Annual Fee (₹)
Federal Bank Scapia Credit Card	Nil (Lifetime Free)
Fi Money AmpliFi Credit Card	Nil (Introductory Offer)
ixigo AU Credit Card	Nil (Lifetime Free)
IDFC FIRST Mayura Credit Card	Nil (Lifetime Free)
Yes Bank Uni Credit Card	499 + GST
RBL Bank World Safari Credit Card	3,000 + GST
Kotak Mahindra Solitaire (Solitaire Program)	Nil for invitees (else around 25,000)
IndusInd Pioneer Heritage / Celesta	40,000–50,000 (Lifetime Fee)
IDFC FIRST Wealth / Private Variants	Private
Axis Bank Primus Credit Card	Invite-only
Axis Bank Burgundy Private Credit Card	Invite-only

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Highlights and Key Points​

• Scapia, ixigo AU, IDFC Mayura, and Fi AmpliFi are currently the most accessible cards that offer zero forex markup. All of them are lifetime free and available to retail users without special eligibility.
• RBL World Safari remains one of the most popular travel cards for international usage, with clear terms and travel insurance benefits.
• Yes Bank Uni provides a low annual fee option for those who want zero markup and cashback without too many conditions.
• Cards like IndusInd Celesta, Kotak Solitaire, Axis Primus, and Burgundy Private are designed for premium or invite-only customers who maintain a relationship with the bank.

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Why Choose a Zero Forex Markup Credit Card​

When you make a purchase in a foreign currency, most Indian cards add an extra charge over the exchange rate. This is known as the forex markup fee. Choosing a zero forex markup credit card helps you:

• Save up to 3.5% on every international transaction
• Get currency conversion at near real-time Visa or Mastercard rates

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Best Lifetime Free Zero Forex Cards for Everyday Users​

1. Federal Bank Scapia Credit Card – Lifetime free, app-based, ideal for travel and online international spends.
2. ixigo AU Credit Card – Lifetime free, co-branded with AU Bank, made for frequent travellers.
3. IDFC FIRST Mayura Credit Card – Newly launched, no forex markup, also lifetime free.
4. Fi Money AmpliFi Credit Card – App-driven product with 0 percent forex markup and simple reward structure.

These four are the easiest to get and do not need any premium relationship with a bank.