Best Credit Card For International Travel
I am planning my first international trip. I am going to Japan. Looking for credit cards with zero forex charges. Any recommendations? I see that there are a lot of options like Niyo Global, Fi, Jupiter, IDFC WOW. I value customer support as it’s my first trip and I don’t want problems if there are any issues.
I would suggest getting a premium card from HDFC , Amex or Axis, such as DCB, Infinia, Atlas, Magnus, platinum travel etc . A Forex card isn't going to make much of a difference, in my opinion, due to the 2-3.5% markup charges. I faced a lot of challenges with Niyo acceptance in Europe, but it worked well in Asian countries.
I don’t have an account with HDFC. Have one with Axis - I was eligible for Magnus but after the recent devaluation - not sure if I should get it. What’s the next best? AmEx?
Im not sure about your spends. Platinum travel from AmEx is worth checking out. HDFC DCB used to have an alumni offer. Look for that as well. Scapia is recently having some issues so not sure about that.
Scapia is no longer issuing credit cards and recently decreased credit limit for most of their cardholders
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Look at AU Ixigo CC. They are currently offering LTF offers on the card. It has 0 Forex markup and also gives you monthly discounts on travels and accommodations when booked through their Ixigo.
Did you have any other AU bank cards? Heard that AU bank only issue only card to their customers.
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Kalan Lee
Stealth
9 months ago
Niyo global is pretty good . Have used it a lot in EU and south east asia for many years
I've RBL WORLD SAFARI credit card, works flawlessly in both offline machines and online overseas at 0% markup but also 0 rewards, plus there some other benefits too.
Don't bother with tech companies credit card or alternatives, have had bad experience with niyo, as these rely on other bank which treats these app user as 3rd tier citizens and negligible support, directly get best credit card from a proper traditional bank, if you're eligible for HDFC infina try for it net net high reward on foreign txn also.
