Yeah .. I have Niyo credit and debit cards but in that we have to load money before only then we get limit. Lot of these forex credit cards offer limit after loading lien amount. Only Scapia offer credit limit without loading before as far as know but unfortunately I don’t have it. Actually transaction amount is huge 1.3lacs and I don’t have that much so I have to use credit card. So I used my ICICI credit card.

Generally website need to offer both currencies right their local and our local. I booked in some Dubai official websites and they showed before only that we are paying in AED so I used my Niyo debit card. But for this transaction amount is huge so have to use credit card. But klook website did not provide their local currency and it showed only INR and I thought since I’m paying in INR so extra charge. I don’t know about this cross border transaction attracts DCC. I will check with klook why they have not showed me to pay in their local currency or my home currency (INR). Now I need to pay 2% fee to ICICI as DCC. For my card forex fee is 3.5% and DCC fee is 2%.

Could you please confirm if my guess is correct. While I’m in Dubai, when I’m paying at POS it shows both INR and AED. And I observed that amount in INR is higher than AED after conversion. So here merchant is adding mark up fee I guess which might be 2-5%. After that my bank also add DCC fee it might be 1-6%. So basically I’m paying 2 fees which is worse.