Zero Forex debit cards vs Forex Cards

[financewizard]

I am planning to make internation trip to Vietnam. Most forex cards to not have a direct Vietnamese Dong loading option and usually the process is first converting INR to USD and then to Dong. I have IndusInd Exclusive DC that offers zero Forex conversion. I also have IDFC Mayura CC.
Now I am confused, if I should just go with my IndusInd Exclusive DC or if I should opt for some Forex Card and load money into it.. Can someone please help in understanding the difference from forex perpective?

Ideally I plan to use IDFC Mayura where ever possible as I get RP + zero FX. But Vietnam is one of the "cash" friendly country and small shops do not accept credit cards. Additionally the restaurants and accomodations happily use "Rental MCC" which is common in South East Asian Countries. But Indian Banks charge surcharge and GST on these txn when they see a Rental MCC on credit cards transctions. Hence I think Zero Markup Debit Card / Forex card is required. Now I am confused, if I should just go with my IndusInd Exclusive DC or if I should opt for some Forex Card and load money into it.. Can someone please help in understanding the difference from forex perpective?

 

[sourpai]

Use IDFC Mayura only.... direct swipe wherever available

You can also withdraw cash using IDFC Mayura at zero forex markup for one time charge of 236 which can be easily recovered via cc bill pay

No need for any other card if you have Mayura already. I am doing same thing via IDFC Wow since past two years

Edit: If you are worried about rental MCC, just withdraw cash using Mayura in the batches of 24k or more as per need and use cash