Unlock Forex Benefits with IDFC FIRST Bank Credit Cards

A foreign exchange (forex) mark-up is a small fee applied when you make a transaction in a currency other than Indian Rupees (INR). Think of it as a service charge for converting the foreign currency amount back to INR.

When you use your IDFC FIRST Bank credit card internationally or on a foreign website, the transaction is converted to INR at the current exchange rate, and a forex mark-up fee is added. We offer some of the lowest forex mark-up rates, which means you save significant money on every overseas purchase. This makes our cards the perfect companion for frequent travellers and international online shoppers.

We offer exceptionally competitive forex mark-up rates, designed to make your international spending more affordable. Many of our cards even feature zero forex fees, helping you save more.

Here are the rates for our top travel-friendly credit cards:

• FIRST WOW! Credit Card: 0% (Zero forex charges)

• Mayura Credit Card: 0% (Zero forex charges)

• Ashva Credit Card: 1%

• IndiGo IDFC FIRST Credit Card: 1.49%

• FIRST Wealth Credit Card: 1.5%

We offer a range of credit cards to match your international spending needs.

• Zero Forex Markup: If your goal is to eliminate forex fees completely, the FIRST WOW! Credit Card and Mayura Credit Card are your best choice. They charge a 0% forex mark-up, ensuring you pay only the true conversion value.

• Low Forex Markup: If you’re looking for a blend of low forex charges and exclusive travel benefits, the Ashva Credit Card (1% fee), IndiGo IDFC FIRST Credit Card (1.49%), and the FIRST Wealth Credit Card (1.5% fee) offer a powerful, cost-effective solution.

We believe in complete transparency. In your monthly credit card statement, you will see the transaction amount clearly listed in INR, with any applicable forex mark-up fee shown as a separate line item. This makes it easy for you to track and manage your international spending.

Yes, all IDFC FIRST Bank Credit Cards are ready for international online transactions. For your security, you simply need to enable "International Transactions" through our mobile banking app or internet banking portal before you make your first purchase.

To enable international usage:

1. Log in to the IDFC FIRST Bank Mobile App or Internet Banking.

2. Navigate to Card Controls or Manage Card.

3. Toggle on the “International Transactions” option.

You can enable or disable this feature anytime, giving you complete control of your card.

Forex markup charges on credit cards typically range between 1-3.5% of the transaction value, which can add to a lot when you’re travelling abroad. Using a credit card with a low or zero forex mark-up fee transforms your travel experience. The benefits are significant:

For example, if you purchase an item worth ₹10,000 using your international credit card in a foreign country, you could paying an extra ₹300 in forex fees (3% charge). With a low or zero forex markup credit card, you reduce the cost of every single purchase abroad, from hotel bookings and dining to shopping and activities.

Our premium travel credit cards like Mayura, Ashva and FIRST Wealth Credit Cards offer more than just forex savings. They unlock a world of benefits like complimentary airport lounge access, global concierge services, bonus travel rewards, and comprehensive travel insurance.

For example, the Mayura Credit Card is a traveller’s dream. It combines a 0% forex mark-up fee with 4 complimentary international and 4 domestic airport lounge/spa visits annually, making your journey as rewarding as the destination. Additionally, you can earn up to 50X bonus travel reward points and redeem them at a higher rate of 1 RP = ₹0.5 on the IDFC FIRST Bank app.

The IDFC FIRST WOW credit card makes managing payments when you’re travelling abroad simple and convenient. With zero forex markup charges, seamless transactions, and access to the global VISA Infinite network, the FIRST WOW! Credit Card is your ultimate travel companion.