Synopsis: This article covers the HDFC credit cards offering the lowest foreign exchange (forex) markup fees. Save on international shopping and travel with insights into fees and global benefits below.
When traveling abroad or shopping internationally, most credit cards levy a hefty 3.5% foreign currency markup fee. Those who fly regularly and global shoppers exactly know how this hidden cost can significantly inflate expenses.
HDFC Bank offers a line of cards designed to mitigate these costs with reduced markup rates as low as 2%. Read below to find the cards that would be a pleasant add on to your next international trip.
5. Tata Neu Infinity HDFC Credit Card
- Joining Fee: ₹1,499 + taxes
- Annual Fee: ₹1,499 + taxes
- Annual Fee Waiver: Waivable on spending ₹3 Lakh in a year
- Card Type: Lifestyle Co-branded
- Best Suited For: Daily Usage and Tata shoppers
- Forex Markup: 2% + taxes
International Travel Benefits:
- 4 complimentary international lounge access via priority pass
- Accidental Air death insurance coverage
- Emergency emergency hospitalization overseas under insurance coverage
- 1499 NeuCoins as welcome benefit upon spending in the initial 30 days
4. HDFC Diners Club Privilege Credit Card
- Joining Fee: ₹1,000 + taxes
- Annual Fee: ₹1,000 + taxes
- Annual Fee Waiver: Waivable on spending ₹3 Lakh in a year
- Card Type: Premium Lifestyle
- Best Suited For: Dining and OTT subscriptions.
- Forex Markup: 2%
International Travel Benefits:
- 8 complimentary lounge visits annually (Domestic & International)
- Travel insurance including air accident cover of ₹1 Crore
- Buy 1 Get 1 free on movie tickets via BookMyShow (weekends)
Also Read: 5 Best HDFC Credit Cards for Salaried Employees in India: Benefits, Cashback and More (2026)
3. HDFC Regalia Gold Credit Card
- Joining Fee: ₹2,500 + taxes
- Annual Fee: ₹2,500 + taxes
- Annual Fee Waiver: Waivable on spending ₹4 Lakh in a year
- Card Type: Premium Travel & Lifestyle
- Best Suited For: Mid level earners and Rewards
- Forex Markup: 2% + taxes
International Travel Benefits:
- Up to 6 complimentary international lounge visits via Priority Pass
- 5X reward points on international brands like Marks & Spencer and Nykaa
- Emergency overseas hospitalisation cover up to ₹15 Lakh
2. HDFC Diners Club Black Metal Edition
- Joining Fee: ₹10,000 + taxes
- Annual Fee: ₹10,000 + taxes
- Annual Fee Waiver: Waived on spending ₹8 Lakh in a year
- Card Type: Super Premium (Metal)
- Best Suited For: High Networth people
- Forex Markup: 2% + tax
International Travel Benefits:
- Unlimited access to 1,300+ lounges worldwide
- 10,000 bonus points for spending ₹4 Lakh per quarter
- memberships to Amazon Prime and Club Marriott
1. HDFC Infinia Credit Card (Metal Edition)
- Joining Fee: ₹12,500 + taxes
- Annual Fee: ₹12,500 + taxes
- Annual Fee Waiver: Waived on spending ₹10 Lakh in a year
- Card Type: Super Premium (Invite-only)
- Best Suited For: Luxury international spending.
- Forex Markup: 2% + tax
International Travel Benefits:
- Unlimited global lounge access for both primary and add-on members
- 5 reward points on every ₹150 spend from the card
- Global personal concierge 24/7
- 12,500 points as welcome bonus
- Insurance coverage benefits
Card Comparison Table
Conclusion
The best card among HDFC credit cards depends largely on your spending habits and preferred airline partners. Those who fall in the high-income individuals category can go for the Infinia and Diners Club Black as they offer the best value by paying back the forex fee through high reward rates. The regular traveler can opt for the Regalia Gold as it balances between a low annual fee and competitive international benefits.
Written by Kenbi Riba
