Credit Card Without Foreign Transaction Fee For the Middle Class
- Pratibha Sharma
- Sep 3, 2025
- 7 min read
In today's blog, we will provide you with information about the Credit Card Without Foreign Transaction Fee, specifically, their welcome benefits, cashback rate, and more. For more information, read below:
Scapia Credit Card:
The Scapia Credit Card is a smart choice for people who enjoy traveling and shopping while keeping an eye on their savings. “These cards come with zero foreign transaction fees, so you save more whenever you spend abroad.”
Powered by Federal Bank, this card has been designed to make your daily spending more rewarding. Every time you use the card, you earn cashback and reward points that can be redeemed later, which means you get value back on almost everything you buy.
If you are someone who travels frequently, this card works even better. It offers discounts and promotions on flights, hotels, and other travel bookings, making your trips more affordable. At the same time, it is useful for everyday expenses, such as dining, groceries, or online shopping. The reward system is simple and easy to understand for users, so you always know how much money you are saving out of your wallet experience.
Users can access through a mobile or physical card. Through this app, you can track your expenses, view your reward points, and make payments without any confusion. This digital-first approach makes it convenient for young users and frequent travelers. In short, Scapia Credit Card combines savings, rewards, and easy management, making it a great companion for both travel and lifestyle needs.
What Are The Welcome Benefits Of the Scapia Credit Card?
None
What Is The Cashback Rate Of the Scapia Credit Card?
10% scapia coins on all normal purchases and 20% scapia coins on all travel purchases through the scapia app.
The value of 5 coins is INR 1.
The effective cashback rate on normal transactions is 2% and the effective cashback rate on travel transactions is 4%.
Other Benefits
0% forex mark-up.3-month no-cost EMI on travel spends.24x7 support.20% Scapia coins on travel bookings done on the Scapia App. Instant in-app repayment.
Lounge Access
Unlimited domestic lounge visits on spending a minimum of Rs 5000 per month.
Fees And Charges:
Joining fees: NIL
Cashback Rate: 2.5% of the amount withdrawn or Rs. 500, whichever is higher
Interest Rate: 41.88% (3.49% per month)
Late payment fees: Late payment charges - Less than Rs. 100 0 Rs. 100- Rs. 500 100 Rs. 501 to Rs. 5,000 500 Rs. 5,001 to Rs. 10,000 600 Rs. 10,001 to Rs. 25,000 750 Rs. 25,001 to Rs. 50,000 950 More than Rs. 50,000/- 1000.
Eligibility Criteria
Age –Minimum 18 years of age to apply for a Secured Federal Credit Card. & minimum 21 years of age to apply for an Unsecured Federal Credit Card.
Credit history – A good credit history will help you in getting you a Credit Card easily. Nationality – While applying for a Credit Card in India, you need to be an Indian resident or a Non-resident Indian (NRI)
How to apply for a Credit Card?
Online:
Visit the Federal Bank website and go to the Credit Cards section.
Click on the Apply Now button for the Scapia credit card.
Fill in the online application form with your personal and financial details.
Submit the application form and wait for approval.
Required documents: Proof of identity (Aadhaar card, PAN card, or passport).Proof of income (salary slips, bank statements, or income tax returns).Proof of address (Aadhaar card, bank statement, or utility bill).
Contact Details
Niyo SBM Credit Card
The Niyo SBM Credit Card is designed for people who want a simple yet powerful way to spend and save. Not like regular cards, this card focuses on international as well as local benefits, which makes it ideal for travelers, online shoppers, and professionals who deal with foreign currency. One of the biggest advantages is the zero forex markup, which means you don’t pay extra charges when using the card abroad. “These cards come with zero foreign transaction fees, so you save more whenever you spend abroad.” This card stands alone, making it highly valuable for frequent travelers.
Apart from travel, the card also provides cashback on different types of purchases, along with discounts on dining, shopping, and entertainment. These features ensure that users will get benefits not just when they are traveling, but also in their day-to-day spending.
They made the entire experience smoother with their mobile app, where you can track transactions, manage bills, and check rewards easily. This digital-first system saves time and removes the usual complications that come with handling credit cards.
Overall, the Niyo SBM Credit Card balances affordability with lifestyle perks. It helps users save on international usage, offers rewards for everyday spending, and keeps everything easy to manage. For people who prefer smart money choices, this card is a great option.
What Are The Welcome Benefits Of the Niyo SBM Credit Card?
If a user spends INR 50,000 per quarter, then they can enjoy free lounge access at airports outside India in the next quarter.
What Is The Cashback Rate Of the Niyo SBM Credit Card?
1 Niyo Coin = INR 0.1
The cardholder will earn 10 Niyo Coins for every INR 100 spent on online and POS transactions (card swipe machine).
General Cashback Rate: 1%
Cashback capped at 1,50,000 coins per month.
Other Benefits
No joining, no annual fee. Zero convenience fee on flight bookings. No international forex markup.1-day delivery of a credit card.
Lounge Access
If a user spends INR 50,000 in a quarter, then he can enjoy free lounge access at airports outside India in the next quarter.
Fees And Charges:
Joining fees: NIL
Cashback Rate: 423+GST or 2.5% for the amount, whichever is higher
Interest Rate: 3% per month, 42.58% per annum.
Late payment fees: INR 150
Eligibility Criteria
Not specified by the bank.
How to apply for a Credit Card?
Contact Details
Tel No: +91 22 4007 1500Email: customercare@sbmbank.co.in
Ixigo AU Credit Card
The Ixigo AU Credit Card is a co-branded travel card created by AU Bank and Ixigo, one of India’s leading travel platforms. It has been specially designed for people who frequently book flights, trains, and hotels. “These cards come with zero foreign transaction fees, so you save more whenever you spend abroad.” The main attraction is the extra discounts and reward points you earn when booking through Ixigo. This makes it a good companion for both business and leisure travelers who want to cut down on travel costs.
At the same time, the card is not limited to travel. It also provides everyday benefits like fuel surcharge waivers, cashback on spends, and discounts on lifestyle categories such as shopping and dining. This makes this card more useful even if you are not planning for a trip. The reward points you earn can be redeemed easily, ensuring that your savings keep adding up over time.
The Ixigo AU Credit Card also comes with app-based management for easy control. You can track spending, view rewards, and pay bills without worrying about protection. The design of this card balances travel perks with daily savings, making it versatile and convenient.
What Are The Welcome Benefits Of the Ixigo AU Credit Card?
Welcome Benefit: Users will get 1000 reward points and Rs 1,000 worth of Ixigo money vouchers on making their first transaction within the first 30 days of card issuance.
What Is The Cashback Rate Of the Ixigo AU Credit Card?
1 RP = 0.25.
Users will earn 20 reward points for every ₹200 spent on Train bookings with ixigo. Effective cashback rate: 2.5%.
Users will earn 10 reward points for every ₹200 spent on online purchases. The effective cashback rate: 1.25%.
Users will earn 5 reward points for every ₹200 spent offline. Effective cashback rate: 0.625%.
Other Benefits
Insurance Cover: Travel accident insurance, lost card liability insurance, and emergency overseas hospitalization insurance.
Lounge Access
Travel Benefits: 6 complimentary domestic airport lounge access per year, and Priority Pass membership for relaxation during travel, and 4 complimentary railway lounge access per year.
Special Features
10% discount on flight bookings, bus bookings, and hotel bookings through ixigo. Along with this, PG charges are also waived on train bookings twice a month.
Eligibility Criteria
Age: 21 to 60 years (Primary Cardholder), 18+ years (Add-on Cardholder)Nationality: Indian Resident Customer Type: Registered user on the Ixigo platform.Minimum Income: INR 5 lakh per annum.
How to apply for a Credit Card?
Eligibility: Requires a minimum annual income of ₹5 lakh.
Online: Apply online through the AU Small Finance Bank website or the ixigo platform.
Documents: Submit ID proof, address proof, income proof, and bank statement.
Processing Time: Usually takes 7-10 working days for approval.
Contact Details
1800 1200 1500
Conclusion:
Choosing the right credit card is a big deal for individuals who depend on their lifestyle, how often they travel, and where they spend the most. The Scapia Credit Card is a good pick for people who love to explore new places and want extra value on bookings and everyday shopping. It combines travel rewards with easy app-based management, which makes it friendly for young professionals.
The Niyo SBM Credit Card stands out because of its zero forex markup and digital convenience. For people who travel abroad or make international payments, it helps save money by removing extra charges. It also gives cashback and lifestyle discounts, which make it useful even at home.
The Ixigo AU Credit Card is more travel-focused, especially for frequent Ixigo users. It offers special deals on flights, hotels, and trains, while also giving everyday perks like fuel waivers and shopping rewards. It balances travel savings with daily benefits.
One thing all three cards have in common is no foreign transaction fees, which means the user doesn't have to pay extra charges for going abroad, whether it is for work or travel. So, whether you’re traveling internationally or just managing your daily expenses, these cards are built to give users a luxurious experience, including savings, rewards, and convenience in one card.
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