Forex card suggestion required for Vietnam trip

DCB forex can be tried,

Although Withdrawal charges & GST can't be avoided in India but you can avoid ATM fees in Vietnam which is usually charged by Vietnam bank

Vietnam

Bana hills (Tourist Trap)

Sa Pa ( Tourist Trap)

Ha long bay( Overnight Cruise)

Ha Giang loop( Breathtaking)

Cave Treks

Cat Ba

Phu Quoc

Hanoi Airport to City Center 86 No Bus 47500 VND = 162 INR

VP/ TP ATM 0 VND

Agro ATM 22000 VND

BIDV ATM 30000 VND

Njy ur trip dear

Can we not use  IDFC First Wealth credit cards to withdraw money from ATM's when traveling internationally? I believe they charge a flat Rs. 199 + taxes for ATM withdrawals; and the due amount can be paid back on the CC due date -- zero interest charge. Also, the forex mark-up on credit card transactions is not high - at 1.5%.

Link: https://www.idfcfirstbank.com/credit-card/...th

Anyone used this option?

Better carry USD, you will find many exchange counter in city offering excellent rates.

Used Scapia in foriegn trip recently, it is VISA based credit card and widely accepted. Truly Zero markup fee as they claim and transparent conversion charges(by Visa network). Applied Scapia card - no annual fee and renewal fee. Virtual card is generated instantly after vKYC and physical card delivered in a week. Bill payment from the app is instant and credit can be freed easily by clearing outstanding amount. Really loved the seamless app, instant chat response in the app is amazing. 

Whereas bookmyforex is like a prepaid card and you can get the card in a day and need to load the money beforehand to use it. They charge minimal currency loading charges but you can use this for cash withdrawal unlike Scapia. Their conversion charges are also similar to Scapia but beneficial if you do cashwidthdawals at international ATMs. Note: cash withdrawal limits are lower compared to HDFC forex card, if you need high limit go with HDFC prepaid forexplus card but it has high currency conversion charges. 

I'm also going to Vietnam in the 1st week of December. I'll be carrying USD based on research that certain jewellers offer a very good exchange rate. For withdrawal illube using Agribank since they have a higher withdrawal limit (3M with a 22K fee). IndusInd legend has a 1.8% forex markup so thay will be my go to CC at POS. 

Don’t use Scapia for atm as youll end up in debit trap

You can use idfc but 1.5 markup will be added

Best is still to use niyo and withdrawal higher denominations so that 600₹ is offseted

Carrying usd doesn’t make sense as youll have to convert inr to usd then usd to vnd and pay certain extra each time

Best atm are 

Scb - free

Agribank

Vpbank