When you use your credit card abroad, watch out for the sneaky markup fee, a hidden charge for currency conversion, typically between 1% to 3%. For instance, on a ฿500 purchase in Thailand with a 2% markup fee, you could end up paying an extra Rs 30! To avoid these fees, consider cards with low or zero foreign transaction fees, like travel or premium cards. These cards offer benefits like lounge access and rewards. Also, be aware of other charges like cash withdrawal fees and finance charges. By understanding these fees and choosing the right card, you can save money while exploring the world.