When you are visiting abroad – 50% of your expected expenses should be in Foreign Currency Notes and the remaining 50% can be in Prepaid Forex/Credit Card.

Now, how do we decide which to prefer : Prepaid Forex Card or Credit Card? The following table will be of help:

It looks like there are lot of charges in a Prepaid Forex Card – where as – Credit Card has only Markup Charges. But, in reality, markup charges can end up being higher than all the Prepaid Forex card charges together

As a thumb rule, prefer a credit card over prepaid forex card if the Currency Conversion Charges (Markup) is less than or equal to 2% + GST.

Do check out the top Prepaid Forex Cards & Credit Cards available in India :

With the above information, now easily choose your preferred card for your Family Vacation. Happy Travelling!


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