# Confusion about International Markup Fees
**URL:** https://community.jupiter.money/t/confusion-about-international-markup-fees/2517
**Category:** My Finance
**Tags:** qna
**Created:** [4 June 2021 12:07 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517 "2021-06-04T12:07:11Z")
**Posts on this page:** 15
**Page:** 1
### Author:  [@Divyaansh\_Agarwal](https://community.jupiter.money/u/Divyaansh_Agarwal)
#### Post date: [4 June 2021 12:07 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/1 "2021-06-04T12:07:11Z")
So here’s the deal, I have linked my HDFC’s debit MasterCard on iTunes for a monthly subscription. I do realise that iTunes purchases are processed internationally.
However, recently I switched to PayTM’s new VISA debit card to make my iTunes payments. I realised for every payment on iTunes, PayTM charged ≈4% of the total purchase value as “Markup Fees for International In-Store Transaction”.
I looked it up and realised banks do charge a markup fees for international transactions. However, I have never incurred such charges with my HDFC card.
What’s the deal here? Anyone can help out with this?
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### Author:  [@alanabraham](https://community.jupiter.money/u/alanabraham)
#### Post date: [4 June 2021 14:41 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/2 "2021-06-04T14:41:55Z")
Hi @Divyaansh_Agarwal
It’s totally depends upon what kind of Credit / Debit card you are using. Most of the cards comes with a markup fees of 3.5% + GST. Some cards offers 2% + GST & Few cards offers ZERO Forex Markup.
Hope this helps!
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### Author:  [@Divyaansh\_Agarwal](https://community.jupiter.money/u/Divyaansh_Agarwal)
#### Post date: [4 June 2021 15:11 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/3 "2021-06-04T15:11:09Z")
Hey, thanks for the response!
I did check that my HDFC card actually has a 3.5% + taxes forex markup. However, was never subjected to any fees on iTunes, at least on passbook. Maybe they deduct forex charges yearly or so.
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### Author:  [@alanabraham](https://community.jupiter.money/u/alanabraham)
#### Post date: [4 June 2021 15:12 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/4 "2021-06-04T15:12:52Z")
@Divyaansh_Agarwal You are welcome.
Which HDFC Card you are using for international payments?
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### Author:  [@Divyaansh\_Agarwal](https://community.jupiter.money/u/Divyaansh_Agarwal)
#### Post date: [4 June 2021 15:13 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/5 "2021-06-04T15:13:26Z")
HDFC Millennia MasterCard Debit
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### Author:  [@rmj-s](https://community.jupiter.money/u/rmj-s)
#### Post date: [5 June 2021 17:12 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/6 "2021-06-05T17:12:33Z")
They do charge it for me on the same card after few days of transaction under the following narration:
```auto
23/03/21 .DC INTL POS TXN MARKUP+ST 200321 210321-MIR21082524XXXXXX MIR21082524XXXXXX 23/03/21 31.50
```
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### Author:  [@Divyaansh\_Agarwal](https://community.jupiter.money/u/Divyaansh_Agarwal)
#### Post date: [5 June 2021 17:31 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/7 "2021-06-05T17:31:10Z")
Thanks for the reply @rmj-s
I saw my statement for the last 3 months. Didn’t see the mention of any such charge.
UPDATE: @rmj-s I also incurred these charges under CRV POS. I got the amount deducted as a bi-yearly it seems.
Appreciate your help. Thanks
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### Author:  [@rmj-s](https://community.jupiter.money/u/rmj-s)
#### Post date: [5 June 2021 18:14 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/8 "2021-06-05T18:14:01Z")
> [@Divyaansh\_Agarwal](#):
>
> I also incurred these charges under CRV POS
CRV is Credit Reversal, it’s a refund for some transaction not FCY charges.
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### Author:  [@bininishere](https://community.jupiter.money/u/bininishere)
#### Post date: [6 June 2021 04:05 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/9 "2021-06-06T04:05:41Z")
I have a similar experience with my Kotak Credit Card which was linked with YouTube Premium subscription. The card charged me **Issuer Markup Assessment** of 3.5% and GST 18% on the markup fees. I use the base variant of Kotak - Urbane Gold.
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### Author:  [@alanabraham](https://community.jupiter.money/u/alanabraham)
#### Post date: [6 June 2021 04:31 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/10 "2021-06-06T04:31:31Z")
@bininishere
Kotak cards didn’t offer Zero Forex markup.
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### Author:  [@Divyaansh\_Agarwal](https://community.jupiter.money/u/Divyaansh_Agarwal)
#### Post date: [6 June 2021 04:46 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/11 "2021-06-06T04:46:30Z")
That’s interesting. That means I haven’t had any markup charges yet… Yes i just checked it was credited and not debited.
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### Author:  [@bininishere](https://community.jupiter.money/u/bininishere)
#### Post date: [6 June 2021 04:58 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/12 "2021-06-06T04:58:56Z")
ok, you mean none of the Kotak variants offer zero mark up fees?
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### Author:  [@alanabraham](https://community.jupiter.money/u/alanabraham)
#### Post date: [6 June 2021 05:19 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/13 "2021-06-06T05:19:08Z")
@bininishere yes, you are right. No Kotak credit / Debit card offers Zero forex markup.
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### Author:  [@sneh.baxi](https://community.jupiter.money/u/sneh.baxi)
#### Post date: [7 June 2021 08:55 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/14 "2021-06-07T08:55:20Z")
> [@Divyaansh\_Agarwal](#):
>
> HDFC Millennia MasterCard Debit
> **[723fb80a-2dde-42a3-9793-7ae1be57c87f](https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=%2FPersonal%2FPay%2FCards%2FDebit%20Card%2FDebit%20Card%20Landing%20Page%2FDebit%20Cards%2FDC%20Charges%20V.17%20%28Revised%29.pdf)**
You can have a deeper look at all your current charges on the mentioned card here 🙂
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### Author:  [@Divyaansh\_Agarwal](https://community.jupiter.money/u/Divyaansh_Agarwal)
#### Post date: [9 June 2021 05:46 UTC](https://community.jupiter.money/t/confusion-about-international-markup-fees/2517/15 "2021-06-09T05:46:22Z")
Thanks a lot @sneh.baxi