India · Tools
Forex Card Comparator.
Loading a travel card? See which bank's rate is cheapest, then the fees that usually cost you more than the rate ever will.
Your card load
Cheapest card to load, on the rate alone
State Bank of India
₹96.3200 per USD
Save ₹12,700 on the load versus the widest-quoting bank.
Cheapest 3 to load
15 banks · as of 28 May
| # | Bank | Rate | To load |
|---|---|---|---|
| 1 | State Bank of India | ₹96.3200 | ₹4,81,600 |
| 2 |  Canara Bank | ₹96.3703 | ₹4,81,852 |
| 3 |  Punjab National Bank | ₹96.6700 | ₹4,83,350 |
Beyond the rate, what actually costs you
Issuance fee
one-time, when the card is bought
₹150 – ₹500
Reload fee
each time you top up
₹0 – ₹100
Cross-currency markup
spending in a currency you didn't load
~3.5%
ATM withdrawal abroad
per withdrawal, plus local ATM fees
₹100 – ₹300
Typical ranges, set by each card issuer.
On a forex card, the rate is the small part
Issuance, reload, the cross-currency markup when you spend off-currency, and ATM fees usually dwarf the gap between bank load rates. For regular or business travel, the right setup, and a proper wire for larger sums, can cost a lot less. Capera works out what fits your spend.
Indicative. The load figure uses each bank's published card rate; fees shown are typical ranges and vary by issuer. Only banks quoting within a day of each other are compared. Confirm the full cost with the issuer before loading.
Common questions
How is a forex card's cost made up?
Two parts: the rate at which your rupees convert into the loaded currency, and the fees, issuance, reload, a cross-currency markup when you spend in a currency you did not load, and ATM withdrawal charges. The fees often outweigh the rate.
Forex card or a bank wire?
For business payments and larger sums, a wire transfer is usually cheaper. A forex card suits travel spending, where you want a locked rate and a card to swipe. Compare both before you decide.
What is the cross-currency markup?
If you load US dollars but spend in euros, the card converts at the point of sale and adds a markup, commonly around 3.5%. Loading the currency you will actually spend avoids it.