Using American Credit Cards in India
Sep 20, 2017, 3:43 pm
#1
Original Poster
Join Date: Jan 2016
Programs: Ink/Sapphire/Freedom/SPG
Posts: 338
Using American Credit Cards in India
I have been trying to decide on giving a credit card to my family back in India.
I am not really thinking of getting a new one, might get if its needed but should be a keep for long term, can't keep sending it from here.
Lot of things to worry about.
1.Foreign Transaction Fee
2.Annual Fee
3.Authorized User Fee
4.Points worth & usage & accrual
5.Acceptance in India.
1.SPG 2.Discover 3.Bofa Travel 4.Chase Reserve are the picks while non category works better.
I have a few more but worthless AA cards which i wont tend to keep after a year.
Or is it better to get another discover card 1.5% cashback to use whenever Amex is not accepted and worst case Bofa. Discover needs SSN to add authorized user :-(
I am not really thinking of getting a new one, might get if its needed but should be a keep for long term, can't keep sending it from here.
Lot of things to worry about.
1.Foreign Transaction Fee
2.Annual Fee
3.Authorized User Fee
4.Points worth & usage & accrual
5.Acceptance in India.
1.SPG 2.Discover 3.Bofa Travel 4.Chase Reserve are the picks while non category works better.
I have a few more but worthless AA cards which i wont tend to keep after a year.
Or is it better to get another discover card 1.5% cashback to use whenever Amex is not accepted and worst case Bofa. Discover needs SSN to add authorized user :-(
Sep 21, 2017, 12:18 am
#2
FlyerTalk Evangelist
Join Date: Apr 2009
Location: India
Programs: Bonvoy Lifetime Titanium, IHG Plat, HH Gold, Trident Plat, DL Diamond, AI Maharajah
Posts: 29,673
i've been using my spg amex in india for years without any problems....amex is accepted almost everywhere & the card has no foreign transaction fee....
Sep 21, 2017, 4:56 am
#3
Suspended
Join Date: Jul 2001
Location: Watchlisted by the prejudiced, en route to purgatory
Programs: Just Say No to Fleecing and Blacklisting
Posts: 102,095
I've had no extraordinary problems using my US credit cards in India over at least the past two decades, at least not any more than I would face when using US credit cards in Europe or tourist destinations in the Americas that are heavily frequented by US persons.
US debit type card accounts -- linked to US bank and/or brokerage accounts -- may have some more issues at times, but even the frequency of having problems of that sort has declined tremendously.
US debit type card accounts -- linked to US bank and/or brokerage accounts -- may have some more issues at times, but even the frequency of having problems of that sort has declined tremendously.
Sep 21, 2017, 1:54 pm
#4
Original Poster
Join Date: Jan 2016
Programs: Ink/Sapphire/Freedom/SPG
Posts: 338
I faced issues when i traveled to India , many machines would not take international cards, many refuse Amex cards.
I think i almost decided to do the below 3 cards by priority.
1.SPG
2.Discover
3.BofaTravel.
I think i almost decided to do the below 3 cards by priority.
1.SPG
2.Discover
3.BofaTravel.
Sep 22, 2017, 6:05 am
#5
Moderator: Lufthansa Miles & More, India based airlines, India, External Miles & Points Resources
Join Date: Dec 2002
Location: MUC
Programs: LH SEN
Posts: 48,162
My CSR works fine in India. Amex is not super popular, MC and VISA very common though, especially after the demonetisation drama the acceptance of credit cards has increased some more.
That said if you want to send a credit card to your family in order to send them funds I think you are better off using transferwise to send money to an indian bank account directly.
That said if you want to send a credit card to your family in order to send them funds I think you are better off using transferwise to send money to an indian bank account directly.
Sep 22, 2017, 11:38 am
#6
Original Poster
Join Date: Jan 2016
Programs: Ink/Sapphire/Freedom/SPG
Posts: 338
My CSR works fine in India. Amex is not super popular, MC and VISA very common though, especially after the demonetisation drama the acceptance of credit cards has increased some more.
That said if you want to send a credit card to your family in order to send them funds I think you are better off using transferwise to send money to an indian bank account directly.
That said if you want to send a credit card to your family in order to send them funds I think you are better off using transferwise to send money to an indian bank account directly.
Make some points for myself.
Sep 25, 2017, 5:23 am
#7
Join Date: Jun 2017
Posts: 124
As far as I know, the MasterCard and Visa credit cards work fine there. Not sure about Amex. If possible, send credit card of 'MasterCard' or 'Visa' to your family.
Sep 25, 2017, 11:27 am
#8
Join Date: Sep 2000
Location: New York, New York
Programs: AA Gold, Alaska MVP; Free Agent Super Duper Diamond Treasure Chest ;)
Posts: 4,682
US credit cards are easy to use at about 95% of the places in India. The places I can't use my US credit card are at online retailers and while paying utilities bills, as well as anything government related.
My preferred card in India (as well as everywhere else these days) is the Chase Sapphire Reserve.
My preferred card in India (as well as everywhere else these days) is the Chase Sapphire Reserve.