Yo, been there, done that! 
I got an Niyo Global card when I moved last year. No forex markup, and the app lets you check live exchange rates (American dollar to Indian rupees today kinda stuff). Super convenient. But it depends on where you’re going—some cards work better in certain countries. Where are you headed?
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Yo, been there, done that! I got an Niyo Global card when I moved last year. No forex markup, and the app lets you check live exchange rates (American dollar to Indian rupees today kinda stuff). Super convenient. But it depends on where you’re going—some cards work better in certain countries. Where are you headed?
Omg same struggle! I heard HDFC and ICICI forex cards are decent too, but some say they have hidden charges. I was wondering if a normal debit card (like SBI Global) would work just as well? I don’t wanna carry too many cards. Thoughts?
Debit cards are okay for backup, but forex cards save a lot on conversion fees. Plus, they’re safer if you lose them. I’d say go for a multi-currency card if your uni is in a country that doesn’t use USD directly. And yeah, always check American dollar to Indian rupees today before loading your forex card—it makes a difference!
Makes sense! Didn’t think about the markup fees till now 
. I’ll check out Niyo and HDFC ones. Also, keeping a debit card for emergencies sounds smart. Thanks, guys! Gonna do some rate-checking now before deciding.