Best Zero Forex Markup Credit Cards in India (2026)

Key Advantages

• ✓ Lifetime free with no spend conditions
• ✓ Zero forex markup on international spends
• ✓ Flat 1% back on almost everything, including UPI Scan & Pay with the RuPay card, with no cap
• ✓ Rewards can be taken as 24K digital gold or cashback, and don't expire
• ✓ Extra value through the Uni Store: up to 8% on vouchers, 7% on hotels, and 50% back on PVR INOX tickets

Key Advantages

• ✓ 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend
• ✓ 8 complimentary domestic + international lounge visits/year
• ✓ Zero forex markup on international transactions
• ✓ Fee waiver threshold (Annual fee waived on ₹5 Lakh annual retail spends)

Key Advantages

• ✓ 6 Reward Points per ₹200 on domestic online spends
• ✓ Up to 45 interest-free days plus EMI conversion on purchases above ₹1,500
• ✓ Zero forex markup on international spends
• ✓ Fee waiver threshold (Annual fee waived on ₹2.5 Lakh annual retail spends)

Key Advantages

• ✓ Zero forex markup fee on international transactions
• ✓ 2% cashback on online shopping spends
• ✓ 1% base cashback on all other spends
• ✓ Fee waiver threshold (Annual fee waived on ₹10 Lakh annual retail spends)

Key Advantages

• ✓ Unlimited domestic and international lounge access for cardholder and guests
• ✓ Golf privileges for the primary cardholder
• ✓ Complimentary airport meet-and-greet service, zero forex markup
• ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Key Advantages

• ✓ 100% Lifetime Free travel credit card with zero joining and annual fees
• ✓ Absolute 0% foreign exchange transaction markup fee on international expenditures
• ✓ Unlimited domestic airport lounge access upon spending ₹20,000 in a billing cycle
• ✓ High 20% Scapia Coins earning rate on flight and hotel bookings via Scapia app
• ✓ RuPay credit card variant available with native UPI payment support

Key Advantages

• ✓ 100% Lifetime Free credit card with zero joining and zero renewal fees
• ✓ 0% foreign currency markup fee on international transactions
• ✓ Instant 100% credit limit issuance against your IDFC FIRST Bank Fixed Deposit (Min ₹20,000)
• ✓ Earn 4 Reward Points per ₹200 spent; points now expire 24 months after being credited (changed from lifetime validity, effective Jul 2026)
• ✓ No income proof or credit score documentation required for approval

Key Advantages

• ✓ 10% cashback on dining, groceries and food delivery
• ✓ 1% cashback on UPI payments via the RuPay network
• ✓ Zero forex markup until 31 December 2026
• ✓ Cashback credited directly to your statement, no point conversion needed
• ✓ Fee waived on ₹2 lakh in annual spend

Key Advantages

• ✓ Up to 10X reward points on eligible spends above ₹20,000/month
• ✓ Zero forex markup since 18 September 2026
• ✓ Generous domestic travel integration providing up to 16 complimentary lounge visits per year

Key Advantages

• ✓ Premium metal card design offering high status value
• ✓ Zero foreign exchange markup fee applied on international spends
• ✓ Generous international airport lounge policy providing 16 complimentary visits per year
• ✓ Accelerated 10X reward point multiplier easily unlocked via a ₹20,000 monthly spend threshold

Key Advantages

• ✓ Lifetime free, with no onboarding or annual fee
• ✓ 10X reward points on dining, travel and international spends
• ✓ Zero forex markup
• ✓ Earns points on categories many cards exclude, like rent, education, utilities and insurance
• ✓ Lounge access, spa visits and golf rounds included (domestic lounge visits reduced from 4 to 2 per quarter, effective 1 May 2026)

Key Advantages

• ✓ Up to 16.7% value-back on hotel bookings and strong value on flights, both via the IDFC FIRST app
• ✓ 0% forex markup on international spends
• ✓ 25% discount on movie tickets
• ✓ A useful option for building or repairing credit history, since it's FD-backed

Key Advantages

• ✓ 0% forex markup on international spends
• ✓ Unlimited complimentary airport lounge access worldwide
• ✓ 3X reward points on dining and travel
• ✓ Issued as a metal card

Key Advantages

• ✓ Choice of a substantial welcome bonus: EDGE Miles or an ITC Hotels e-gift card
• ✓ Airport meet-and-assist and luxury vehicle transfer services included
• ✓ Generous guest allowance for lounge visits
• ✓ Zero forex markup on international spends
• ✓ Companion airfare offers on select bookings

Key Advantages

• ✓ 10 Air Miles per ₹100 on flights and hotels booked via Kotak Unbox, roughly 10% back in miles
• ✓ Zero forex markup on international transactions
• ✓ Unlimited domestic lounge access via DreamFolks and unlimited international access via Priority Pass, for primary and add-on cardholders
• ✓ Discounted stays and free nights at ITC Hotels, Elivaas Villas and Alaya Stays

Key Advantages

• ✓ No joining fee
• ✓ Same IndiGo flight reward rates as the unsecured version of this card
• ✓ A useful option for building or repairing credit history while still earning travel rewards
• ✓ Zero forex markup on international spends
• ✓ Domestic trip cancellation insurance included

Key Advantages

• ✓ Points transfer at 5:4 to 20+ airline and hotel partners (5:2 for Lotusmiles, Finnair Plus & British Airways Club)
• ✓ Unlimited complimentary domestic and international lounge access for primary and add-on cardholders, plus guests
• ✓ Zero forex markup on international spends

Key Advantages

• ✓ Uncapped, accelerating reward points with 1:1 transfers to airline and hotel partners
• ✓ 0.75% monthly interest rate, among the lowest of any Indian credit card
• ✓ Unlimited complimentary domestic and international lounge access for cardholder and guests

Key Advantages

• ✓ Complimentary MakeMyTrip BLACK membership, with exclusive travel discounts
• ✓ 5 reward points per ₹100 on travel bookings
• ✓ 8 complimentary domestic airport lounge visits/year (2 per quarter), conditional on ₹35,000 spend in the preceding quarter
• ✓ 2 complimentary international lounge visits/year via Priority Pass
• ✓ Dedicated travel concierge assistance