Which card in the below list is best and chepaest to use for international spends?

Regalia with Global Value Program activated. 

Read more here https://cardmaven.in/hdfc-bank-global-value-pro...

niyo global card i use this to buy from ebay usa and ebay uk find its conversion rates good

Your Bob Rupay card. 

Ramta_Jogi wrote:

Your Bob Rupay card. 

Why? It has 3.5% plus 18% GST as forex markup

jain01010199 wrote:

Why? It has 3.5% plus 18% GST as forex markup

Rupay platform doesn't have any forex markup fees. 

@abhishek012

Ramta_Jogi wrote:

Rupay platform doesn't have any forex markup fees. 

@abhishek012

abhishek012 wrote:
But *JCB/*Discover/Diners club/Pulse network transaction settled in foreign currency and bank will charge forex markup fees.

Sbi Jcb Rupay debit card didn't charge anything. 

Ramta_Jogi wrote:

Sbi Jcb Rupay debit card didn't charge anything. 

abhishek012 wrote:
Where which country ?

Pretty much whole of South East Asia (Dec - Mar):Thailand, Vietnam, Laos, Cambodia, Malaysia, Singapore and Philippines.

I will give it a shot in Canada this year in September. 

Ramta_Jogi wrote:

Pretty much whole of South East Asia (Dec - Mar):Thailand, Vietnam, Laos, Cambodia, Malaysia, Singapore and Philippines.

I will give it a shot in Canada this year in September. 

Ramta_Jogi wrote: Sbi Jcb Rupay debit card didn't charge anything.

Ok, @Knight11 told me, BOB JCB card charged 3.5% forex markup fees.

abhishek012 wrote:

Ok, @Knight11 told me, BOB JCB card charged 3.5% forex markup fees.

Ramta_Jogi wrote:

Pretty much whole of South East Asia (Dec - Mar):Thailand, Vietnam, Laos, Cambodia, Malaysia, Singapore and Philippines.

I will give it a shot in Canada this year in September. 

Can u share statement screenshot showing date of transaction, foreign currency amount and INR charged?

For me, it is not listed as a separate line item, forex is included in transaction amount itself. Say I i did 1 SGD transaction and Google rate on that day was 62. So, in statement it will come as 64.17 including 3.5% forex (actually it was slightly lesser, as conversion rate was better than Google). There is no separate line item for forex. But 18% GST on this 2.17 forex i.e. 0.39rs is mentioned separately in bill.

My guess is u didn't see it, as they already included it in transaction amount. If u try back calculating then u will realise the charges. Also, is there no gst entry also in statement?

BTW, mine was BOB HPCL JCB Rupay credit card.

Knight11 wrote:
HPCL JCB Rupay credit card.

So maybe credit cards are using JCB network (Japan Credit Bureau) while debit cards are using Rupay network (NPCI) and hence debit cards are not charging any markup fee.

There was no markup fee added to the transaction. The purchase value fx rate was close to google rates.

I had to experiment this as in one of the original/old/previous Rupay posts, @abhishek012 mentioned Rupay not charging any markup fee

Ramta_Jogi wrote:

So maybe credit cards are using JCB network (Japan Credit Bureau) while debit cards are using Rupay network (NPCI) and hence debit cards are not charging any markup fee.

There was no markup fee added to the transaction. The purchase value fx rate was close to google rates.

I had to experiment this as in one of the original/old/previous Rupay posts, @abhishek012 mentioned Rupay not charging any markup fee

Was there no gst entry also? By close, i hope u mean 0.1-0.2% difference from google rate, as 3.5% is also close , but that is what is forex rate😅.

And did u get 40% cb? As that was offered by jcb, not rupay. Also, I didn't see any of rupay network directly in singapore. All pos machines were accepting jcb.

In ur bank statement, does it anywhere shows amount in foreign currency? If yes, then the forex conversion did happen through jcb.

Knight11 wrote:

Was there no gst entry also? By close, i hope u mean 0.1-0.2% difference from google rate, as 3.5% is also close , but that is what is forex rate😅.

And did u get 40% cb? As that was offered by jcb, not rupay. Also, I didn't see any of rupay network directly in singapore. All pos machines were accepting jcb.

In ur bank statement, does it anywhere shows amount in foreign currency? If yes, then the forex conversion did happen through jcb.

I meant 0.2 paise difference. No entry of added forex anywhere in statement. No cb on debit card 

Ramta_Jogi wrote:

I meant 0.2 paise difference. No entry of added forex anywhere in statement. No cb on debit card 

Cashback offers was available only on selected countries and you need to complaint with banks otherwise 99% chance you will not get cashback.

Cashback offer also valid on RuPay JCB debit card. Already one person got cashback on SBI RuPay JCB debit card after complaint.

RuPay's native network is available only on very few selected countries and selected POS machines.

100% your card use on JCB network.

Knight11 wrote:

Was there no gst entry also? By close, i hope u mean 0.1-0.2% difference from google rate, as 3.5% is also close , but that is what is forex rate😅.

And did u get 40% cb? As that was offered by jcb, not rupay. Also, I didn't see any of rupay network directly in singapore. All pos machines were accepting jcb.

In ur bank statement, does it anywhere shows amount in foreign currency? If yes, then the forex conversion did happen through jcb.

Hey just now i asked another person. He also told me - 

@Ramta_Jogi by the way he also receive 40% Cashback offer spend on UAE.

abhishek012 wrote:
Hey just now i asked another proson. He also told me - 

"Yes. I checked . It is true that SBI RuPay JCB Platinum Debit Card did not charge any forex markup charges on the spends done. However BOB HP RuPay JCB CC was charged 3.5%+GST as forex mark up fee".

@Ramta_Jogi by the way he also receive 40% Cashback offer spend on UAE.

I didn't follow up on their offer of Cb. 

Glad to know the SBI Jcb debit card isn't charging Fx markup fees. So far so good 

Ramta_Jogi wrote:

I didn't follow up on their offer of Cb. 

Glad to know the SBI Jcb debit card isn't charging Fx markup fees. So far so good