I think you misunderstood, 1lakh I mentioned is the total budget for the trip including flight ticket, hotel costs etc. If one is spending extra lakhs on the trip for buying or other stuff then it could be worth it provided it's a card that works.thats 3.5k on one lakh of spending and you'll almost spend atleast double if its a trip to Europe or something, a 0% forex card is worth it imo