International Hotel booking via Agoda | Credit Card charges

[uzziee]

Hi All,

I am planning to book international hotels via agoda using my Axis Magnus Burgundy card.
I wanted to do understand whether I will have pay forex fee, DCC charges etc on top of the hotel booking amount

If so, can someone help me with the calculation of these extra charges when booking hotels worth 1Lac.

Should I pay in INR or EUROs via agoda ? I am confused when it comes to DCC charges

Thanks

 

[anujdit]

If you are paying in foreign currency (Euro or Dollar etc) then forex charges apply.
When merchant is converting foreign currency to indian rupees and you pay in INR then DCC applies.

If Agoda is already showing INR price then no DCC charges. Check your credit card forex charges, accordingly make the decision

 

[navdeep22]

Easy bro, try doing transaction with international transactions off, if it goes through then no forex charges, else turn on international transactions on and there will be forex charges

 

[darkjediknight]

I always pay in the currency of the hotel. You’ll get mastercard / visa conversion rate for today + 2% forex conversion on card. Always ends up lower than paying in INR.
And yes, DCC will be charges for Agoda if you pay in INR.

 

[smuff]

Axis atlas charges DCC for international booking when you pay in INR. Could be same for magnus too.

 

[rafzy]

Hi All,

I am planning to book international hotels via agoda using my Axis Magnus Burgundy card.
I wanted to do understand whether I will have pay forex fee, DCC charges etc on top of the hotel booking amount

If so, can someone help me with the calculation of these extra charges when booking hotels worth 1Lac.

Should I pay in INR or EUROs via agoda ? I am confused when it comes to DCC charges

Thanks

very timely question.
I just trialed this things this month to book for my Nov Japan trip via Agoda.
Charges were showing in INR only.
Used axis atlas cc and booked a hotel in Tokyo. Paid in INR only. Got charged DCC and GST.
Hotel charge was 656.13 INR. Later DCC+GST was charged.
Obviously I cancelled the booking and everything got refunded as well.
So answer to your query is, you will get charge DCC and not forex for booking via international hotel thru agoda.


Just so that you know, I booked my international accommodation thru atlas on airbnb.co.in and did got 5m/100. No DCC or Forex charges. happy days!!Rates showed in INR, paid in INR as well.

 

[navdeep22]

very timely question.
I just trialed this things this month to book for my Nov Japan trip via Agoda.
Charges were showing in INR only.
Used axis atlas cc and booked a hotel in Tokyo. Paid in INR only. Got charged DCC and GST.
Hotel charge was 656.13 INR. Later DCC+GST was charged.
Obviously I cancelled the booking and everything got refunded as well.
So answer to your query is, you will get charge DCC and not forex for booking via international hotel thru agoda.
View attachment 111072

Just so that you know, I booked my international accommodation thru atlas on airbnb.co.in and did got 5m/100. No DCC or Forex charges. happy days!!Rates showed in INR, paid in INR as well.
View attachment 111073

Was your international transactions on while payment?

 

[Dragon_slayer]

I always pay in the currency of the hotel. You’ll get mastercard / visa conversion rate for today + 2% forex conversion on card. Always ends up lower than paying in INR.
And yes, DCC will be charges for Agoda if you pay in INR.

How do you choose this? Do you manually change the currency displayed on Agoda and then book ?

 

[darkjediknight]

How do you choose this? Do you manually change the currency displayed on Agoda and then book ?

Yes just change the currency in Agoda to your desired one.

 

[rafzy]

Was your international transactions on while payment?

yes it was

 

[rafzy]

I always pay in the currency of the hotel. You’ll get mastercard / visa conversion rate for today + 2% forex conversion on card. Always ends up lower than paying in INR.
And yes, DCC will be charges for Agoda if you pay in INR.

I just specifically tested this for Japan, and the prices are almost matching as per Google's conversion rate. see for yourself.
So add the Forex charges and the JPY version and you will be paying higher than the INR version.
Happy to be corrected incase I'm missing something.

 

[darkjediknight]

I just specifically tested this for Japan, and the prices are almost matching as per Google's conversion rate. see for yourself.
So add the Forex charges and the JPY version and you will be paying higher than the INR version.
Happy to be corrected incase I'm missing something.

View attachment 111082

View attachment 111083

View attachment 111084

If Agoda is giving better rate in INR then go ahead with that only.

 

[sunit123]

Long story short....select dollar as currency and pay in dollar using scapia or uni gold

 

[abhiver]

Easy bro, try doing transaction with international transactions off, if it goes through then no forex charges, else turn on international transactions on and there will be forex charges

I agree if your international transaction is off , and then if you are able to transact on foreign website then it means the website has some Indian tax compliance applicable due to which that transaction has been localized, hence no Forex charges.

 

[wanderer0]

If you're paying in INR, there's never any extra forex on Agoda or any other site for that matter. Only DCC because the final merchant is still international and your bank doesn't like that agoda is doing currency conversion.

Now your Axis M4B has Forex 2%+GST and DCC 1.5%+GST. Agoda gives near perfect conversation rates if you choose INR. Just pay in INR and save 0.50%+GST.
Don't choose INR if your card is a 0 forex card but in this case it's a better deal to pay in INR.

 

[Dragon_slayer]

If you're paying in INR, there's never any extra forex on Agoda or any other site for that matter. Only DCC because the final merchant is still international and your bank doesn't like that agoda is doing currency conversion.

Now your Axis M4B has Forex 2%+GST and DCC 1.5%+GST. Agoda gives near perfect conversation rates if you choose INR. Just pay in INR and save 0.50%+GST.
Don't choose INR if your card is a 0 forex card but in this case it's a better deal to pay in INR.

So you mean if we pay in INR and charged DCC then we are not charged forex fees?

Its either forex or DCC ? Is that what you mean?

 

[KLB@96]

guys, I need to book hotels. Shortlisted sites are Trip.com, hostelworld, Booking.com. I see the currency is in INR but I still be charged currency conversion charges on these sites right ?

 

[KLB@96]

Long story short....select dollar as currency and pay in dollar using scapia or uni gold

any reason to pay in USD ? I have UNI X. Shall I use this on Booking.com/Tripcom etc ? no DCC charges ?

 

[wanderer0]

So you mean if we pay in INR and charged DCC then we are not charged forex fees?

Its either forex or DCC ? Is that what you mean?

Yes. Bank can only charge one. If you pay in INR then there's no Forex(foreign exchange) fee because Agoda has already done the conversion for you and the bank gets mad and then it charges DCC which is mostly lower so you still save some money.

guys, I need to book hotels. Shortlisted sites are Trip.com, hostelworld, Booking.com. I see the currency is in INR but I still be charged currency conversion charges on these sites right ?

Yes and No. It's confusing because one is Forex and other is DCC. If you pay in INR then you only pay DCC, if you pay in some other currency then you pay only Forex. So if you have a 0 forex card, don't pay in INR because DCC will be higher. Hope it helps.

 

[KLB@96]

Yes. Bank can only charge one. If you pay in INR then there's no Forex(foreign exchange) fee because Agoda has already done the conversion for you and the bank gets mad and then it charges DCC which is mostly lower so you still save some money.

Yes and No. It's confusing because one is Forex and other is DCC. If you pay in INR then you only pay DCC, if you pay in some other currency then you pay only Forex. So if you have a 0 forex card, don't pay in INR because DCC will be higher. Hope it helps.

yes , I have Zero forex cards, AU Ixigo, UNI X gold, Yes marquee, SBI, CB, One card. which card do you suggest to use and in which currency ? please help