Best credit card to swipe in USA?

[kunal89]

I will be going to USA soon. I will be spending using Indian credit card for my personal spends. I've shortlisted 3 of my cards with lowest mark up -
HDFC regalia
Standard Chattered Ultimate
Indusind Legend
Hdfc offers some global program which generates additional cashback on foreign spends making it lowest charge of all.
Experts please suggest if hdfc will be good over other two. If there are other options please do share.

 

[Abhishek012]

Isn't a forex prepaid cards better to use for international payments ?

for example - NiyoX forex prepaid card ?

Apply for Multi Currency Forex Card Online by Niyo

Apply for the best travel card for your international travel. Get a Niyo DCB Card and enjoy your overseas travel with No Forex Mark-up!

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Niyo Global - International Debit and Credit Card with Zero Forex Markup

Enjoy your international travel with the best debit and credit card Niyo Global and enjoy zero markups on your Forex transactions. Save money while you travel, and earn 6.5% interest* on your savings account.

www.goniyo.com

 

[skvignesh]

OneCard 1%

debit cards from Fi money, Niyo Global SBM Bank...

 

[kunal89]

You could mention all CCs, DCs, if you wish. For a better response.

Apart from 3 cards I mentioned, none of the other has lower fee. DC is useless in foreign.

 

[BankExpertIndia]

Apart from 3 cards I mentioned, none of the other has lower fee. DC is useless in foreign.

You Are In Which World Brother

Get IndusInd Exclusive Account With Exclusive DC It Has 0% Foreign Markup

 

[007]

You Are In Which World Brother

Get IndusInd Exclusive Account With Exclusive DC It Has 0% Foreign Markup

Even Fi Neo Bank offers DC with zero forex markup. And there's Niyo Global DC too, which has zero forex markup!

 

[kunal89]

You Are In Which World Brother

Get IndusInd Exclusive Account With Exclusive DC It Has 0% Foreign Markup

Brother, read it carefully. There are plenty but I don't have those. I'm looking for an option within my collection.

 

[Subhankar]

I will be going to USA soon. I will be spending using Indian credit card for my personal spends. I've shortlisted 3 of my cards with lowest mark up -
HDFC regalia
Standard Chattered Ultimate
Indusind Legend
Hdfc offers some global program which generates additional cashback on foreign spends making it lowest charge of all.
Experts please suggest if hdfc will be good over other two. If there are other options please do share.

Global Value will give extra 1% back when you hit 1L international spending per billing cycle which is capped at 1k. Regalia's basic reward rate is 1.3. So even with global value, the return will be negative. Not an ideal card for the usage.
SC Ultimate will charge 3.5% markup but will return 1%. About .6% return.
Legend does the same, charge at 3.5, then change it to 1.8% with cashback later on.

I've made a post on cards with best returns on international transactions. If you have them, use them, or else use Niyo Global card. It's debit card with 0% markup, easy to get

 

[kunal89]

Global Value will give extra 1% back when you hit 1L international spending per billing cycle which is capped at 1k. Regalia's basic reward rate is 1.3. So even with global value, the return will be negative. Not an ideal card for the usage.
SC Ultimate will charge 3.5% markup but will return 1%. About .6% return.
Legend does the same, charge at 3.5, then change it to 1.8% with cashback later on.

I've made a post on cards with best returns on international transactions. If you have them, use them, or else use Niyo Global card. It's debit card with 0% markup, easy to get

Looks like credit cards which I own are of no use to completely remove markup charge.
I already opened Fi account yesterday for this reason. Thanks for input

 

[BankExpertIndia]

Looks like credit cards which I own are of no use to completely remove markup charge.
I already opened Fi account yesterday for this reason. Thanks for input

You Have Made A Good Decision

 

[BankExpertIndia]

Even Fi Neo Bank offers DC with zero forex markup. And there's Niyo Global DC too, which has zero forex markup!

My Experience With Niyo Was Very Bad

 

[007]

My Experience With Niyo Was Very Bad

Do share with us! Are you talking about Niyo Global, which opens a savings account with SBM bank? 👀

 

[Dr. Drake]

I have personally used Niyo global DC in EU & Asian countries. Had a problem at 1-2 POS only otherwise it worked flawlessly. I did my sampling & I concluded it charges around 0.16-0.18% markup but still better than most CC's

 

[007]

I have personally used Niyo global DC in EU & Asian countries. Had a problem at 1-2 POS only otherwise it worked flawlessly. I did my sampling & I concluded it charges around 0.16-18% markup but still better than most CC's

How did you incur those charges? And is it 1.8% or 18%? 👀

 

[Dr. Drake]

How did you incur those charges? And is it 1.8% or 18%? 👀

My bad that was a typo. corrected. Minimal 0.16-0.18% still better than roaming with cash

 

[007]

My bad that was a typo. corrected. Minimal 0.16-0.18% still better than roaming with cash

That's almost nothing. Good enough! And do you see any benefit getting it over the Fi Debit card? 👀

 

[Dr. Drake]

That's almost nothing. Good enough! And do you see any benefit getting it over the Fi Debit card? 👀

I don't have a Fi account so can't provide much of a input there. If you want cc check rbl bank safari card I heard they have 0% markup (I don't own it)

 

[ChurningNoob]

Even Fi Neo Bank offers DC with zero forex markup. And there's Niyo Global DC too, which has zero forex markup!

All these are debit cards, are there any CC with 0% forex

 

[ashwink]

All these are debit cards, are there any CC with 0% forex

Idfc wow.

 

[007]

All these are debit cards, are there any CC with 0% forex

RBL World Safari CC