Best zero forex debit card

[wanderer0]

So far I've been using Niyo Global (DCB + SBM) cards but I want some other banks with 0 AMB accounts and minimal fees. I've come across these options:

- Indusind Bank - Exclusive Debit Card
- SBI - Rupay Platinum JCB & Pragati

Can someone suggest which one will be better and if there's any other card that I'm missing?

Edit: ATM Cash withdrawal is one of the main focus (with minimal fees)

 

[Shaktimaan V2.0]

Maybe this one - https://www.technofino.in/community...ebit-card-–-unboxing-first-impressions.41035/

 

[nikhilv0303]

I’ve used IndusInd for both pos swipe and ATM withdrawals, and the rates given were decent.
Not sure which account variant with 0 AMB would be eligible though

 

[wanderer0]

Maybe this one - https://www.technofino.in/community/threads/kotak-811-infinity-metal-debit-card-–-unboxing-first-impressions.41035/

Can I apply for this one online? The branch is too far.

I’ve used IndusInd for both pos swipe and ATM withdrawals, and the rates given were decent.
Not sure which account variant with 0 AMB would be eligible though

Which card was it? Was it 0 markup?

 

[Shaktimaan V2.0]

Maybe @Finchamp! Can help.

 

[Finchamp!]

I'm not entirely sure about the SBI option you mentioned, but I would be cautious about Rupay-based debit cards for now, given their potential limitations in acceptance and international coverage.

That said, there are two noteworthy debit card options worth considering:

(1) IndusInd Exclusive Debit Card (Mastercard/Visa)
(2) Kotak 811 Super Visa Infinite Metal Debit Card

Option (1) is a strong offering on its own, but it becomes even more appealing when the associated Exclusive Account is converted to 0 MAB by linking it to an IndusInd Pinnacle/ Indulge Credit Card.

Option (2) is only worthwhile if it's issued lifetime free, which typically applies to NTB customers who open a Kotak 811 Super Account with a minimum IP of ₹81,000. In all other cases, this card comes with an issuance fee of ₹4,999 + GST and an annual fee of ₹999 + GST.

Between Options (1) & (2), I personally prefer the Mastercard variant of Option (1), exclusively for zero forex markup, as Mastercard offers a better exchange rate compared to Visa. That said, if design and aesthetics are important to you, Option (2) is undeniably one of the most elegant-looking cards available 😉

 

[wanderer0]

I'm not entirely sure about the SBI option you mentioned, but I would be cautious about Rupay-based debit cards for now, given their potential limitations in acceptance and international coverage.

You're right about the acceptance. I'm interested in this because I heard their JCB cards give 0 forex and good discounts on supported merchants(mostly in SEA, Japan).

Between Options (1) & (2), I personally prefer the Mastercard variant of Option (1), exclusively for zero forex markup, as Mastercard offers a better exchange rate compared to Visa. That said, if design and aesthetics are important to you, Option (2) is undeniably one of the most elegant-looking cards available 😉

Thanks for the detailed reply. I think metal cards are a hassle 😀 Anyway will try to get a pinnacle card first and get this exclusive mastercard dc soon.

Does anyone know what happens to Kotak 811 super savings account and this metal card if I don't renew subscription?

 

[Finchamp!]

You're right about the acceptance. I'm interested in this because I heard their JCB cards give 0 forex and good discounts on supported merchants(mostly in SEA, Japan).


Thanks for the detailed reply. I think metal cards are a hassle 😀 Anyway will try to get a pinnacle card first and get this exclusive mastercard dc soon.

I will not recommend the paid Pinnacle card - it's not worth it. There is one option in which the Pinnacle card is issued for a fee, which is reversed, upon some pre-determined spends. Go for that!

 

[wanderer0]

I will not recommend the paid Pinnacle card - it's not worth it. There is one option in which the Pinnacle card is issued for a fee, which is reversed, upon some pre-determined spends. Go for that!

That is the plan 😛 Someone in the forum is offering pinnacle LTF upon 50k spend. Let's see.

 

[sunit123]

Maybe this one - https://www.technofino.in/community/threads/kotak-811-infinity-metal-debit-card-–-unboxing-first-impressions.41035/

check their forex conversion rate..its not 0 zerox card

 

[sunit123]

So far I've been using Niyo Global (DCB + SBM) cards but I want some other banks with 0 AMB accounts and minimal fees. I've come across these options:

- Indusind Bank - Exclusive Debit Card
- SBI - Rupay Platinum JCB & Pragati

Can someone suggest which one will be better and if there's any other card that I'm missing?

rupay card is not accepted anywhere outside india. SBI has very limited acceptability

 

[wanderer0]

rupay card is not accepted anywhere outside india. SBI has very limited acceptability

These cards from SBI are issued on JCB + Rupay so it has decent acceptability in Japan, Singapore, SEA etc.

 

[jd123]

IndusInd Exclusive Debit card is the best

I always used this one on international trips and it works so smoothly ☺️

 

[wanderer0]

IndusInd Exclusive Debit card is the best

I always used this one on international trips and it works so smoothly ☺️

What about ATM cash withdrawal charges? Does the card itself charge anything if the ATM doesn't?

 

[jd123]

What about ATM cash withdrawal charges? Does the card itself charge anything if the ATM doesn't?

Download the ATM Fee Saver app on your phone, pick a country, and check the fees before you withdraw.

 

[wanderer0]

Download the ATM Fee Saver app on your phone, pick a country, and check the fees before you withdraw.

Yeah that's what I use but curious if the card itself has any cash advance fee?

 

[praful47]

Can I apply for this one online? The branch is too far.

Which card was it? Was it 0 markup?

Instead of vkyc chose physical kyc .
Agent will come to your home to do kyc .
Fund your account with 81100 and 300 subscription fee .
Metal debit card would be LTF. .

 

[praful47]

You're right about the acceptance. I'm interested in this because I heard their JCB cards give 0 forex and good discounts on supported merchants(mostly in SEA, Japan).


Thanks for the detailed reply. I think metal cards are a hassle 😀 Anyway will try to get a pinnacle card first and get this exclusive mastercard dc soon.

Does anyone know what happens to Kotak 811 super savings account and this metal card if I don't renew subscription?

You would be charged annual fee for debit card that is 999