Forex card vs debit card abroad calculator

A forex card is preloaded with foreign currency at a fixed rate — no FX markup at point-of-sale. A debit card abroad uses live network rates plus a 3–5% forex markup + GST + ATM withdrawal fees. Plug in your trip numbers to see which costs less.

Total spend abroad (in local currency)

Of which cash withdrawals (local)

Number of ATM withdrawals

Forex card rate (1 unit = ₹)

Network rate for debit card (1 = ₹)

Debit card forex markup (%)

Forex card ATM fee (₹ per withdrawal)

Debit card ATM fee (₹ per withdrawal)

Forex card load fee (one-time ₹)

Forex card

Total INR cost

₹0

POS + cash converted₹0

Load fee (one-time)₹0

ATM withdrawal fees₹0

Debit card

Total INR cost

₹0

Base conversion₹0

Forex markup + 18% GST₹0

ATM withdrawal fees₹0

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