Forex Card Comparison
Compare the best forex cards for Indian students. See real savings over 2 years — because exchange markup compounds every single transaction.
💸 Your Usage Profile
Destination Currency
Program Duration
ATM Withdrawals per Month
💡 Key Concepts
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Exchange markup is the hidden cost — the difference between mid-market rate and what you actually get. Even 1% costs you ₹800/month on ₹80K spend.
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Never use your Indian debit card directly abroad. Banks charge 3–5% forex markup + transaction fees = ₹2,400–4,000 extra per ₹80K month.
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Best strategy: Use Niyo or Wise for daily card transactions (0% markup). Keep HDFC or Thomas Cook as backup with loaded balance for ATMs.
Best Card for Your Usage
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Annual saving vs Indian debit card
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Total saving over program
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