Best Credit Card for ChatGPT Plus + SaaS Subscriptions in India (2026)

Federal Scapia (0% forex prepaid) is the default — pay ChatGPT Plus, GitHub, Cursor, Linear, Notion at face value without 3.5% forex markup.

Most popular SaaS tools bill in USD. Subscribing to ChatGPT Plus ($20/mo), GitHub Copilot ($10/mo), Cursor ($20/mo), Linear ($8/user/mo), Notion ($8/mo), Spotify ($9.99/mo) totals ~$75-100/mo = ₹7-9K/mo. A regular Indian card charges ~₹250-300/mo in pure forex markup. Federal Scapia prepaid eliminates that.

Typical spend in this category: ₹2,000–10,000/month

Why these specific cards

Federal Scapia (prepaid, 0% forex) is the no-brainer for IT engineers / freelancers / writers subscribing to multiple international SaaS tools. HDFC Infinia Metal works as a CIBIL-building alternative at 0% forex + 5x rewards on SmartBuy. Niyo Global Yes Bank debit works for users who want a bank-account integrated forex card.

Reward math example

$100/mo SaaS subscription stack = ₹8,500/mo at spot rate. Regular card 3.5% markup = ₹298/mo extra = ₹3,576/yr in pure forex cost. Federal Scapia saves all of it.