An Indian credit card adds a forex markup of roughly 2 to 3.5 percent, plus 18 percent GST on that markup, and networks add a cross currency charge. Across a shopping weekend built on card payments, that is a meaningful share of the discount you flew in for. ATM withdrawals are charged harder still.
For a trip where every rupee converts into one currency, the BookMyForex Global USD forex card is the direct match. It loads dollars at interbank rates with zero issuance, reload, cross currency and ATM withdrawal fees, and locks the rate on the day you load it.
One cost sits outside BookMyForex’s control. American ATM owners charge cards from other banks a separate fee, which averaged USD 3.22 per withdrawal in 2025, so withdraw larger amounts less often.
Keep a credit card alongside it for hotel and car hire holds, keep small denomination notes for tips and taxis, and decline any terminal that offers to bill you in rupees. Always choose to pay in dollars.
Indian rules also cap foreign currency notes at USD 3,000 per trip, so the card should carry the rest of the budget.
Large budgets carry one more cost, because every load counts toward your annual LRS limit. TCS is nil on the first ₹10 lakh you remit or load in a financial year, but travel money above that threshold attracts TCS at 20 percent. You can claim it back when you file your income tax return, although the money remains locked up until then.