New Delhi, Oct. 26 -- Using a credit card abroad or for international online payments is convenient, but the final cost can be higher than the amount shown in the foreign currency.

Foreign currency markup fees, exchange rate fluctuations, and taxes, when combined, can increase the credit card bill.

Here are five things every cardholder should know about the charges before using a credit card overseas.

Credit card issuers in India generally charge a foreign currency markup fee on international transactions. Depending on the card, it can range from about 1% to 3.5% of the transaction value, with GST charged separately. Check your card's schedule of charges before you transact.

International transactions are converted into rupees at the ...