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Card	Annual Fee	Forex Markup	ATM Abroad	Lounge Access	Rewards	Best For	Rating	Action
Niyo GlobalSBM Bank	₹0 Free	0%	Free unlimited	None	App Rewards	Beginners	★★★★½ 4.8/5	Apply →
Federal ScapiaFederal Bank	₹0 Free	0%	Charges apply	Unlimited dom.	Scapia Coins	Travellers	★★★★½ 4.7/5	Apply →
IndusInd Aura EdgeIndusInd Bank	₹0 Free	0%	2 free/month	∞ + 8 intl	Reward Points	Frequent Flyers	★★★★½ 4.5/5	Apply →
IDFC First WOWIDFC First Bank	₹0 Free	0%	1 free/month	None	Reward Points	Students	★★★★☆ 4.3/5	Apply →
IDFC First MayuraIDFC First Bank	₹4,999/yr	0%	Free unlimited	∞ + intl	5× travel	Premium	★★★★½ 4.6/5	Apply →
RBL World SafariRBL Bank	₹3,000/yr	0%	Charges apply	8 visits/yr	Travel Points	Travellers	★★★★☆ 4.2/5	Apply →
Axis AtlasAxis Bank	₹5,000/yr	1% (low)	Free unlimited	Unlim. dom.	EDGE Miles	Miles Collectors	★★★★☆ 4.4/5
HDFC Regalia ForexPlusHDFC Bank	₹2,500/yr	0%	HDFC ATMs free	6 dom/yr	Reward Points	HDFC Customers	★★★★☆ 4.1/5

Eligibility Quick Reference

Card	Min. Income (Annual)	Min. Credit Score	Min. Age	Self-Employed?	Student OK?
Niyo Global	₹1.5 lakh	650+	18	✓ Yes	✓ Yes
Federal Scapia	₹1.8 lakh	700+	21	✓ Yes	✓ (with ITR)
IndusInd Aura Edge	₹3 lakh	700+	21	✓ Yes	✗ No
IDFC First WOW	None (secured)	No minimum	18	✓ Yes	✓ Yes
IDFC First Mayura	₹12 lakh	750+	25	✓ Yes	✗ No
RBL World Safari	₹6 lakh	720+	21	✓ Yes	✗ No

Frequently Asked Questions

For first-time international travellers, Niyo Global is our top pick. Easy online application, no annual fee, and free ATM withdrawals abroad. The app-based control also makes it easy to freeze/unfreeze the card for international use.

The "zero forex markup" refers specifically to the currency conversion surcharge. Some charges may still apply: ATM withdrawal fees (unless using Niyo Global), cash advance fees, and GST on fees. Always pay in local currency — not INR — when given the choice at a payment terminal.

Yes, and it is actually a smart strategy. Many travellers carry two: Scapia (domestic lounge + rewards) + Niyo Global (free ATM withdrawals abroad). This gives you the best of both worlds at zero annual cost.

Yes. Zero forex markup applies to all foreign currency transactions — whether you are physically abroad or shopping on a foreign website from India. This includes Amazon US, ASOS, Booking.com charges in foreign currency, Netflix US, etc.

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Compare All Zero Forex Credit Cards in India (2026)

Full Comparison Table

Eligibility Quick Reference

Frequently Asked Questions

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