You know, a lot of Indian premium cards charge around 3.5% for foreign transactions and have annual fees of over ₹5,000. I was thinking, wouldn’t it be easier to use something like Scapia for most of your trips and just have a basic card as a backup? Also, when was the last time you actually used those lounge passes enough to justify their cost?

If Scapia provides me with accurate live rates and has no fees for small overseas payments, should I still worry that using it alone might make me miss out on the better rewards and protections that premium cards offer for larger Forex transactions?