# Travel Credit Cards Compared: Forex Markup, Lounge Access, Insurance and Rewards

> Compare travel cards by forex markup, lounge access, insurance and rewards to save costs.
- Title: Travel Credit Cards Compared: Forex Markup, Lounge Access…
- Summary: Compare travel cards by forex markup, lounge access, insurance and rewards to save costs. Frequent international travelers should compare forex markup…
- Keywords: forex markup, lounge access, travel insurance, rewards, credit card, idfc first bank, indigo idfc first bank credit card, first wealth credit card, mints, travel credit cards, news, india
- Source: mint — https://livemint.com/focus/travel-credit-cards-compared-forex-markup-lounge-access-insurance-and-rewards-11792126294486.html
- Author: Focus
- Published: 2026-10-16T04:59:02+00:00
- Read time: 1 min
- Topics: forex markup, lounge access, travel insurance, rewards, credit card, idfc first bank, indigo idfc first bank credit card, first wealth credit card, mints, travel credit cards, news, india
## Forex Markup
Forex markup is an additional charge on foreign currency transactions, typically 3.5% plus 18% GST.
## Lounge Access
Check complimentary visits, domestic and international lounge coverage, and minimum spending requirements.
## Travel Insurance
Travel insurance covers baggage, accidents or trip cancellations with specific conditions and exclusions.
## Rewards
Rewards add value when earned on eligible spending with specific redemption options and thresholds.
## IDFC FIRST Bank Cards
IDFC FIRST Bank offers zero forex markup, lounge access, trip cancellation cover up to ₹50,000 and accelerated rewards.
## Credit Card vs Forex Card
Credit cards provide rewards and lounge access while forex cards are preloaded with foreign currency.
## What to Compare
Compare forex markup, lounge access, insurance, rewards, fees and foreign ATM charges before choosing a card.
## Conclusion
The right travel credit card depends on travel frequency and spending preferences.
## Key takeaway

Frequent international travelers should compare forex markup, lounge access, insurance and rewards to choose the best travel credit card.