Forex card suggestion required for Vietnam trip

DCB forex can be tried,

Although Withdrawal charges & GST can't be avoided in India but you can avoid ATM fees in Vietnam which is usually charged by Vietnam bank

Vietnam

Bana hills (Tourist Trap)

Sa Pa ( Tourist Trap)

Ha long bay( Overnight Cruise)

Ha Giang loop( Breathtaking)

Cave Treks

Cat Ba

Phu Quoc

Hanoi Airport to City Center 86 No Bus 47500 VND = 162 INR

VP/ TP ATM 0 VND

Agro ATM 22000 VND

BIDV ATM 30000 VND

urmila.contact wrote:

Vietnam

Bana hills (Tourist Trap)

Sa Pa ( Tourist Trap)

Ha long bay( Overnight Cruise)

Ha Giang loop( Breathtaking)

Cave Treks

Cat Ba

Phu Quoc

Hanoi Airport to City Center 86 No Bus 47500 VND = 162 INR

VP/ TP ATM 0 VND

Agro ATM 22000 VND

BIDV ATM 30000 VND

Thanks a lot! 😊

Njy ur trip dear

Can we not use  IDFC First Wealth credit cards to withdraw money from ATM's when traveling internationally? I believe they charge a flat Rs. 199 + taxes for ATM withdrawals; and the due amount can be paid back on the CC due date -- zero interest charge. Also, the forex mark-up on credit card transactions is not high - at 1.5%.

Link: https://www.idfcfirstbank.com/credit-card/...th

Anyone used this option?

r3d-d3v1l wrote:

Can we not use  IDFC First Wealth credit cards to withdraw money from ATM's when traveling internationally? I believe they charge a flat Rs. 199 + taxes for ATM withdrawals; and the due amount can be paid back on the CC due date -- zero interest charge. Also, the forex mark-up on credit card transactions is not high - at 1.5%.

Link: https://www.idfcfirstbank.com/credit-card/...th

Anyone used this option?

Nice

Most competitive rate till date so far

Better carry USD, you will find many exchange counter in city offering excellent rates.

runinc wrote:

Better carry USD, you will find many exchange counter in city offering excellent rates.

Ok, thanks!

raghuisb4u832 wrote:

Njy ur trip dear

Thank you!

r3d-d3v1l wrote:

Can we not use  IDFC First Wealth credit cards to withdraw money from ATM's when traveling internationally? I believe they charge a flat Rs. 199 + taxes for ATM withdrawals; and the due amount can be paid back on the CC due date -- zero interest charge. Also, the forex mark-up on credit card transactions is not high - at 1.5%.

Link: https://www.idfcfirstbank.com/credit-card/...th

Anyone used this option?

Isn't IDFC Wow better with Zero markup & same 199 withdrawal charges?

batguy143 wrote:
Isn't IDFC Wow better with Zero markup & same 199 withdrawal charges?

I guess Yes, from that perspective. However, my understanding is that it is an FD backed card, so you need to open an FD with IDFC for the amount of credit limit you want. Personally, I'd rather pay a slight forex markup than block my funds.

P.S.: I haven't yet used IDFC Wealth CC for ATM withdrawals, so I am in a way also seeking other users opinion on how well this card works abroad for ATM withdrawls.

r3d-d3v1l wrote:

I guess Yes, from that perspective. However, my understanding is that it is an FD backed card, so you need to open an FD with IDFC for the amount of credit limit you want. Personally, I'd rather pay a slight forex markup than block my funds.

P.S.: I haven't yet used IDFC Wealth CC for ATM withdrawals, so I am in a way also seeking other users opinion on how well this card works abroad for ATM withdrawls.

Ya, it needs FD but gives 7.5% on 1 year deposit which is good if one can block that amount.

Used Scapia in foriegn trip recently, it is VISA based credit card and widely accepted. Truly Zero markup fee as they claim and transparent conversion charges(by Visa network). Applied Scapia card - no annual fee and renewal fee. Virtual card is generated instantly after vKYC and physical card delivered in a week. Bill payment from the app is instant and credit can be freed easily by clearing outstanding amount. Really loved the seamless app, instant chat response in the app is amazing. 

Whereas bookmyforex is like a prepaid card and you can get the card in a day and need to load the money beforehand to use it. They charge minimal currency loading charges but you can use this for cash withdrawal unlike Scapia. Their conversion charges are also similar to Scapia but beneficial if you do cashwidthdawals at international ATMs. Note: cash withdrawal limits are lower compared to HDFC forex card, if you need high limit go with HDFC prepaid forexplus card but it has high currency conversion charges. 

r3d-d3v1l wrote:

I guess Yes, from that perspective. However, my understanding is that it is an FD backed card, so you need to open an FD with IDFC for the amount of credit limit you want. Personally, I'd rather pay a slight forex markup than block my funds.

P.S.: I haven't yet used IDFC Wealth CC for ATM withdrawals, so I am in a way also seeking other users opinion on how well this card works abroad for ATM withdrawls.

FD is better actually 

you dont need to keep a big amount 

for eg if i was gonna go for 7 days or even 12 days 

25k to 50k is all i need on my cc

i can refill the amount instantly and it will be reset in 24h

this is the best card out there without any issue that i have tried

on top of that i would recomment you carry around 500$ or more 

you can always convert it 

always check google for latest rates so you are not scammed and you will get better exchange rates 5km away from airport 

dm me for referral

dont use cc for cash withdrawals its not the same outside india they charge more

batguy143 wrote:
Isn't IDFC Wow better with Zero markup & same 199 withdrawal charges?

How to get IDFC Wow FD Backed Secured Cc ?

I have IDFC SBA & IDFC Cc( Existing User)

r3d-d3v1l wrote:

I guess Yes, from that perspective. However, my understanding is that it is an FD backed card, so you need to open an FD with IDFC for the amount of credit limit you want. Personally, I'd rather pay a slight forex markup than block my funds.

P.S.: I haven't yet used IDFC Wealth CC for ATM withdrawals, so I am in a way also seeking other users opinion on how well this card works abroad for ATM withdrawls.

How to get IDFC Wow FD Backed Secured Cc ?

I have IDFC SBA & IDFC Cc( Existing User)

woodfield753 wrote:

FD is better actually 

you dont need to keep a big amount 

for eg if i was gonna go for 7 days or even 12 days 

25k to 50k is all i need on my cc

i can refill the amount instantly and it will be reset in 24h

this is the best card out there without any issue that i have tried

on top of that i would recomment you carry around 500$ or more 

you can always convert it 

always check google for latest rates so you are not scammed and you will get better exchange rates 5km away from airport 

dm me for referral

dont use cc for cash withdrawals its not the same outside india they charge more

How to get IDFC Wow FD Backed Secured Cc ?

I have IDFC SBA & IDFC Cc( Existing User)

MaxiDisc wrote:

Used Scapia in foriegn trip recently, it is VISA based credit card and widely accepted. Truly Zero markup fee as they claim and transparent conversion charges(by Visa network). Applied Scapia card - no annual fee and renewal fee. Virtual card is generated instantly after vKYC and physical card delivered in a week. Bill payment from the app is instant and credit can be freed easily by clearing outstanding amount. Really loved the seamless app, instant chat response in the app is amazing. 

Whereas bookmyforex is like a prepaid card and you can get the card in a day and need to load the money beforehand to use it. They charge minimal currency loading charges but you can use this for cash withdrawal unlike Scapia. Their conversion charges are also similar to Scapia but beneficial if you do cashwidthdawals at international ATMs. Note: cash withdrawal limits are lower compared to HDFC forex card, if you need high limit go with HDFC prepaid forexplus card but it has high currency conversion charges. 

Scapia- Can't withdraw foreign ATM's+ Zero

Conv Fees

BMF Prepaid-Lower limit ATM Withdrawals+ Zero Conv Fees

HDFC Forex+ - Higher Limit ATM withdrawal+ High Conv Fees

IDFC Wow - Higher Limit foreign ATM withdrawals + Zero Conv Fees

urmila.contact wrote:

How to get IDFC Wow FD Backed Secured Cc ?

I have IDFC SBA & IDFC Cc( Existing User)

dm me i will give you the referral link to apply for the card

urmila.contact wrote:

Scapia- Can't withdraw foreign ATM's+ Zero

Conv Fees

BMF Prepaid-Lower limit ATM Withdrawals+ Zero Conv Fees

HDFC Forex+ - Higher Limit ATM withdrawal+ High Conv Fees

IDFC Wow - Higher Limit foreign ATM withdrawals + Zero Conv Fees

0% forex fees but there is conversion charges on IDFC cc that is very low

regardless you should not use cc for cash withdrawals always carry some $

disable tap to pay just for security 

when you pay by swiping always tell the person to use their country currency for example im traveling to philippines then use Philippine peso as the currency while doing payment you will have to inform that person before swiping so he / she selects the right option most of the times they ask you but you should always be alert

last tip 

always check your cc statement 

urmila.contact wrote:

How to get IDFC Wow FD Backed Secured Cc ?

I have IDFC SBA & IDFC Cc( Existing User)

Here's a link...totally online smooth process

https://www.idfcfirstbank.com/credit-ca...ow

I'm also going to Vietnam in the 1st week of December. I'll be carrying USD based on research that certain jewellers offer a very good exchange rate. For withdrawal illube using Agribank since they have a higher withdrawal limit (3M with a 22K fee). IndusInd legend has a 1.8% forex markup so thay will be my go to CC at POS. 

Chudiya wrote:

I'm also going to Vietnam in the 1st week of December. I'll be carrying USD based on research that certain jewellers offer a very good exchange rate. For withdrawal illube using Agribank since they have a higher withdrawal limit (3M with a 22K fee). IndusInd legend has a 1.8% forex markup so thay will be my go to CC at POS. 

so many cards with zero markup....why pay 1.8%

Indusind Indie megastar
Scapia
IDFC wow
Niyo

Get any of these

Chudiya wrote:

I'm also going to Vietnam in the 1st week of December. I'll be carrying USD based on research that certain jewellers offer a very good exchange rate. For withdrawal illube using Agribank since they have a higher withdrawal limit (3M with a 22K fee). IndusInd legend has a 1.8% forex markup so thay will be my go to CC at POS. 

Gian Son Gold Shop for 100 USD bill

woodfield753 wrote:

0% forex fees but there is conversion charges on IDFC cc that is very low

regardless you should not use cc for cash withdrawals always carry some $

disable tap to pay just for security 

when you pay by swiping always tell the person to use their country currency for example im traveling to philippines then use Philippine peso as the currency while doing payment you will have to inform that person before swiping so he / she selects the right option most of the times they ask you but you should always be alert

last tip 

always check your cc statement 

Yeah paying in their country in our INR currency will be double the terminal charges.

batguy143 wrote:
so many cards with zero markup....why pay 1.8%

Indusind Indie megastar
Scapia
IDFC wow
Niyo

Get any of these

Rbl world Safari Cc

urmila.contact wrote:

Rbl world Safari Cc

How to get that LTF?

Is it better than Scapia?

batguy143 wrote:

How to get that LTF?

Is it better than Scapia?

LTF for Zomato RBL Edition card holders only

urmila.contact wrote:

Gian Son Gold Shop for 100 USD bill

Are they in HCM also?