Zero Forex Credit Card Reviews

In-depth, unbiased reviews of every zero forex markup card in India — fees, rewards, experience, and expert verdict.

📋 Editorial Policy: We rate cards across 5 dimensions — fees, forex markup, ATM charges, rewards, and lounge access. All reviews are independent; affiliate partnerships do not influence ratings. Learn how we review →

All Card Reviews (8 cards)

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🌐
Best Overall
SBM Bank

Niyo Global

Annual Fee: ₹0 Free Forex Markup: 0% Lounge: ATM-friendly

Ideal for first-time international travellers. Free ATM withdrawals abroad, zero annual fee, and instant app-based control.

4.8
out of 5
★★★★½ 4.8/5
Apply Now
✈️
Best Rewards
Federal Bank

Federal Scapia

Annual Fee: ₹0 Free Forex Markup: 0% Lounge: Unlimited (Dom)

Earn Scapia Coins on every transaction redeemable for flights. Unlimited domestic lounge access included free.

4.7
out of 5
★★★★½ 4.7/5
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💼
Best Lounge
IndusInd Bank

IndusInd Aura Edge

Annual Fee: ₹0 Free Forex Markup: 0% Lounge: Intl + Dom

2 free domestic + 8 international lounge visits per month. Best lounge access on a zero-fee card.

4.5
out of 5
★★★★½ 4.5/5
Apply Now
🎓
Best for Students
IDFC First Bank

IDFC First WOW

Annual Fee: ₹0 Free Forex Markup: 0% Lounge: 1/month

Secured credit card — no income proof needed. Zero forex markup, no annual fee. Build credit while travelling.

4.3
out of 5
★★★★☆ 4.3/5
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💎
Best Premium
IDFC First Bank

IDFC First Mayura

Annual Fee: ₹4,999/yr Forex Markup: 0% Lounge: Unlimited

Metal card with unlimited domestic & international lounge access. 5× rewards on international travel.

4.6
out of 5
★★★★½ 4.6/5
Apply Now
🌍
Best Miles
RBL Bank

RBL World Safari

Annual Fee: ₹3,000/yr Forex Markup: 0% Lounge: 8 visits/yr

8 international lounge visits per year. Travel Miles redeemable with 100+ airlines. Globally accepted.

4.2
out of 5
★★★★☆ 4.2/5
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📋 How We Review Cards

Every card review on ZeroForexCard follows the same 5-dimension framework to make comparisons fair and transparent:

💸
Fees (20%)
Annual fee, joining fee, waiver conditions
💱
Forex Markup (25%)
Currency conversion rate, GST, DCC handling
🏧
ATM Abroad (20%)
Withdrawal fee, per-day limits, charges
🎁
Rewards (20%)
Earning rate, redemption value, expiry
✈️
Lounge (15%)
Domestic + international access, guest policy
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