Which specific charges require investigation before committing to a card?

[Nandini]

Considering that many cards promise "zero forex markup," what specific hidden fees, such as ATM withdrawal charges or underlying conversion rates, should a cautious user always investigate before making a final commitment?

[Reema]

“Zero forex markup” cards sound appealing, but it’s essential to read the fine print. Check for hidden charges like ATM withdrawal fees abroad, poor exchange rates, or transaction and annual fees.
Unfavorable conversion rates and extra costs can still cut into savings, so it is important to review all terms carefully before applying.