DCC (Dynamic Currency Conversion) markup calculator

When you pay abroad and the terminal asks "INR or local currency?", picking INR (DCC) lets the merchant's processor convert at a 3–7% marked-up rate. Always pick local currency and let your card network (Visa/Mastercard) convert.

Bill amount (local currency)

Network FX rate (Visa / MC)

Card forex markup (%)

DCC rate (1 unit = ₹)

GST on forex markup (%)

Pay in local currency ✓

Total INR you'll be billed

₹0

Base conversion₹0

Card markup ({markup}%)₹0

GST on markup₹0

Pay in INR (DCC) ✗

Total INR you'll be billed

₹0

DCC conversion₹0

Card markup still applied?Usually no

Extra you pay₹0

Why DCC is a trap

Merchant's processor sets the rate; typically 3–7% worse than Visa / Mastercard's interbank rate.
Your bank may still apply forex markup on top (depending on issuer).
You can't claim the conversion fee under "currency network rate" disclosures.

Always pay in local currency

If the terminal forces INR (some don't ask), insist on cancelling and retrying. If your card has a no-forex-markup feature (premium credit cards, Niyo Global etc.), local-currency mode lets you use the network rate directly.