Bonjour voyageurs! 
Guess what time it is? It’s time to travel smart! 
Check out these easy hacks to carry foreign currency without losing money on extra fees👇
Pick a Travel Card with Zero Forex Markup
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No extra 3–5% on spends.
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Free or low-fee ATM withdrawals.
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Track spending instantly with the app.
Top pick: Niyo Global Card — accepted in 180+ countries🌎
Bonus: Lounge access after ₹50K spent per quarter.
Skip Airport Forex Counters 
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Convert only a small amount at the airport for immediate use.
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Use your travel card for the rest at real-time rates.
Go Cash + Card Combo 
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40% cash → taxis, local markets, tipping.
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60% card → hotels, restaurants, other major expenses.
Find Surcharge-Free ATMs Abroad 
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Avoid random ATM fees eating into your budget.
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Withdraw local currency directly at real rates.
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Keep a backup card separate for emergencies.
Pro tip: Use your card’s ATM locator app Niyo app
Avoid Double Conversion Loss 
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Never go INR → USD → Local currency.
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Use a card that converts INR to local currency at Visa/Mastercard rates, like the Niyo Global Card
, to skip hidden conversion fees.
Quick Money Options Check
| Method | Budget Friendly? | Best For |
|---|---|---|
| Airport Forex |  No |
Emergencies only |
| Cash from India |  Okay |
Local stalls & taxis |
| Travel Card (0% markup) | |
All major expenses |
| Local bank cards | 3–5% fees |
Backup use |
| eSIM + Card | |
Instant data abroad  |
`✈️ Bonus: Top Airport Hacks for Indian Travelers
We love learning from fellow travelers! 
Share your tips & hacks in the comments.
Happy travels! Keep exploring and spending smart! 