Europe trip - Credit Card vs Forex Card?

[technology]

After 1-July, there is 20% TCS getting applied on every international spend. I am going on a group-tour Europe trip (tour-operator organized). So 90% expenses (travel, flights, hotels, food) are prebooked via agency.

For remaining 10% shopping expenses (about 20K INR) in Europe, which mode should I prefer - credit card (such as Niyo, IDFC World, etc) OR Debit card (like SBI JCB) OR Forex cards? And which specific one? I currently hold: Diners Black and AU Zenith CC.

 

[Deleted member 11974]

if you are getting rewarded on a net basis after markup use ccs otherwise go for forex card

 

[rogerthat]

There is no TDS on individual international credit card spends upto 7 lakhs.

 

[CARDBITRAGE]

I would suggest you take a combination of both credit and debit cards. Ideally, your cards should have zero forex markup or a net zero charge. Use your credit cards primarily, and withdraw money using your debit card for places that don't accept cards Take some spare Euros in cash from India with you for contingencies. Also, keep a few debit cards(2-3) in case your card gets swallowed by the atm.

 

[Deleted member 11974]

make sure your zero forex markup cc give reward points because some dont and they provide interbank rates which usually include the markup part.
in that case i would suggest niyo global card

 

[KT Shanmuganathan]

IDFC WOW credit card looks good in for your case,
you can withdraw money from the card without any interest for that statement period.