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With rising global travel among Indian professionals, students, and families, international credit cards have become a must-have. But not all credit cards are built the same—especially for overseas spending.
Let’s break down the essential features you should look for in a credit card before you swipe it abroad.
💸 1. Low Forex Markup Fees
Foreign exchange (forex) markup is the extra fee charged on international transactions.
Look for cards with <2% forex markup
Some premium cards offer 0% forex markup, ideal for frequent travelers
✅ Lower markup = big savings on every swipe
🛬 2. Complimentary Airport Lounge Access (Global)
International terminals often charge ₹2,000–₹3,000 per lounge visit. A good travel card offers:
Free lounge access at international airports
Priority Pass membership
Guest access or extra visits included in higher-tier cards
🧳 3. Travel Insurance Coverage
Many cards offer free travel insurance covering:
Lost baggage
Trip delays/cancellations
Medical emergencies
Passport loss
Make sure to check:
Coverage limits
Whether the insurance is automatic or opt-in
🏨 4. Hotel and Flight Booking Discounts
Travel credit cards often partner with:
Airlines (e.g., Air India, Vistara, Emirates)
Hotel chains (IHG, Marriott, Hyatt)
Look for:
Cashbacks or reward points on travel portals
BOGO offers on hotels or domestic stays
Exclusive concierge services
💳 5. Global Acceptance and Chip+PIN Security
Ensure your card is accepted by Visa/Mastercard/Amex networks
Must have EMV chip and 3D secure OTP options for safe usage
Contactless features are helpful for small-ticket spends
🏆 6. Reward Points That Convert to Airmiles
If you’re a frequent flyer:
Choose cards that convert reward points to airline miles
Check transfer partners (Vistara, Club ITC, KrisFlyer, etc.)
Tip: Opt for co-branded cards if you prefer a specific airline.
🧠 7. Emergency Card Replacement Abroad
Imagine losing your card abroad—it can be stressful.
Check if your credit card offers:
Global emergency card replacement
Cash advance options
24x7 international customer service
🔄 8. Flexible Billing and Currency Conversion Options
Real-time alerts for foreign transactions
Currency conversion previews
Option to pay bills in INR or foreign currency (for business users)
🧭 Bonus: Look for These Extra Perks
Fuel surcharge waiver (even in foreign countries)
Dining discounts at global chains
No annual fee or first-year waiver
Free add-on cards for family members
🚨 What to Avoid in a Travel Credit Card
High forex fees (3.5% or more)
No reward points on international spends
No lounge access or travel insurance
Poor customer support abroad
Hidden EMI conversion charges on foreign spends
✅ Conclusion
Choosing the right international travel credit card can enhance your travel experience, save you thousands in charges, and offer a world of privileges. Don’t go by brand names alone—look at features, fees, and flexibility.
If you're a frequent traveler, picking a travel card with the right features is not a luxury—it's a smart financial decision.
🙋♂️ FAQs
Q1: What is forex markup on credit cards?
It’s a fee charged on foreign currency transactions. Typically ranges from 2% to 3.5%.
Q2: Can I use my Indian credit card internationally?
Yes, if international transactions are enabled and it belongs to a global network (Visa, Mastercard, etc.)
Q3: Which banks offer 0% forex markup credit cards in India?
Cards like Niyo Global, IndusInd Exclusive, and some HDFC Infinia variants offer this benefit.
Q4: Is lounge access really useful?
Yes, it saves money, offers comfort during layovers, and usually includes meals, Wi-Fi, and refreshments.
Published on : 10th July
Published by : SMITA
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