The exchange rate used for any foreign transaction is the live VISA forex rate. You will not be charged any forex markup charges, so all your transactions will be converted from Indian Rupees to the respective foreign currency based on the exchange rate that is live at that very moment. 

You can also use our Currency Converter feature to check the exchange rate at any time (Click on "Home"> “Currency Converter”).

We also show you all the details of your transactions including the exchange rate that you have been charged. This is available on the transaction summary page (click on Credit Card (the top of the screen) > “Transactions” > click on the transaction, and you will be able to see these details).