For international transactions, the “best” card depends on whether you value low forex markup, rewards on overseas spend, or travel perks. If minimizing fees is the priority, low or zero-forex cards make the biggest difference, since standard cards often charge 3 to 3.5% forex markup.
For premium users, Times Black ICICI Bank Credit Card is worth considering because it offers a low 1.49% forex markup and 2.5% reward points on international spends, which can help offset overseas transaction costs. It also combines this with travel-oriented privileges like lounge access, which adds value if you travel often.
If you want pure zero-forex savings, specialized travel cards may work better. But if you want a balance of premium benefits plus strong international transaction value, Times Black is a compelling option.
My take:
Frequent travelers: Times Black or another low-forex premium card
Pure savings seekers: Zero-forex cards
Miles enthusiasts: Consider transfer-focused travel cards
Note: Please check the official Times Black ICICI Bank Credit Card website for the latest fees, rewards, and benefit details, as card features may change.