Live Exchange Rates · Zero Markup Cards

Forex Card Comparison

Best exchange rates · Zero markup cards · Live rates updated every 5 minutes

Currency Converter

Updated 2:45 PM
₹
🇺🇸11.99
1 USD = ₹83.42+0.22% today

Live Exchange Rates

1 unit of foreign currency = ₹ INR

Best Forex Cards for Indian Travelers

🎯 Zero Fees
🟣
Niyo Global
SBM Bank
4.7(45K reviews)
Zero forex markup
Zero ATM fees worldwide
Instant KYC & issuance
Requires Niyo app
ATM limit $1,000/day
Markup
Zero ✓
Issuance
Free ✓
ATM Fee
Free ✓
Currencies
70
💳 1% on all spends
⭐ Best Value
🔵
HDFC Multicurrency Card
HDFC Bank
4.4(28K reviews)
Trusted HDFC brand
Emergency card replacement
Comprehensive insurance
2% markup on non-loaded currencies
₹500 issuance fee
ATM charges apply
Markup
2%
Issuance
₹500
ATM Fee
₹110
Currencies
22
💳 Up to 5% on premium categories
🟠
Thomas Cook Smart Card
Thomas Cook
4.1(12K reviews)
Zero markup on loaded currencies
Easy load at Thomas Cook outlets
Pan-India branch network
Only 14 currencies
ATM fee ₹150/transaction
No cashback or rewards
Markup
Zero ✓
Issuance
₹199
ATM Fee
₹150
Currencies
14
🌍 Best Coverage
🟢
BookMyForex Card
Federal Bank
4.5(19K reviews)
Zero markup, zero fees
Door delivery
Best rates on platform
Limited to 10 major currencies
Load time 24–48 hours
Markup
Zero ✓
Issuance
Free ✓
ATM Fee
Free ✓
Currencies
10
💳 1.5% on spends

💡 Forex Tips for Smart Travelers

1

Load currency at least 2–3 days before travel for best rates.

2

Never exchange currency at airports — rates are 3–5% worse.

3

Keep some cash (USD/EUR) as backup for remote areas.

4

Zero-markup cards like Niyo save you ₹3,000–₹8,000 on a ₹2L trip.

5

Always pay in local currency, not INR when swiping abroad (DCC scam).

6

Track live rates on Vayantra — book when rates are favorable.

Exchange rates are indicative and updated every 5 minutes. Actual rates may vary at time of transaction. Vayantra AI does not earn commissions on forex card applications. Always read terms before applying.