on paper feels like +0.5% but someone who's done it can comment better as i have doubts about :
1. difference %forexmarkup of rupay vs visa/mc (could be a non-neu card be better for fx)
2. if Any other fees by bank ( generally glbal spend encompass mix of mark up + fx charges )
3. gst by govt
hoping a neu user that used cc oerseas can enlighten ?