Often the most egregious fee is the crap FX rate they give you too - I assume because a lot of people just assume the rate's the rate, so it's completely hidden.
Do you pass on the wholesale rate from your provider directly, or is there some spread too? My bank Monzo for example gives me Mastercard's rate on the day the payment (in-person abroad or online in foreign currency) settles, so I always use it for such transactions even though it wouldn't otherwise be my first choice of card.
(Or alternatively, can I be charged INR to load Cheq account, rather than card's native currency? Then anyone with a better option for the conversion can do that.)
Do you pass on the wholesale rate from your provider directly, or is there some spread too? My bank Monzo for example gives me Mastercard's rate on the day the payment (in-person abroad or online in foreign currency) settles, so I always use it for such transactions even though it wouldn't otherwise be my first choice of card.
(Or alternatively, can I be charged INR to load Cheq account, rather than card's native currency? Then anyone with a better option for the conversion can do that.)