Curated by Vinod Kumar Jain & Amit Jain · All Frontier Global · free, no login
The advertised fee is rarely the cost. Enter the amount and, for each card, the FX markup, any flat charge and whether it is a cash advance; the tool returns the total cost and the effective percentage so the cards are comparable. No card products, rates or rewards are embedded — every number comes off your own statement or terms.
Card A
Card B
Card C (optional)
The arithmetic, in order
FX markup cost = amount × markup %
Cash-advance cost = amount × cash-advance % + cash-advance flat fee, applied only when you mark the transaction as a withdrawal
Total cost = FX markup cost + flat fee + cash-advance cost
Effective rate = total cost ÷ amount × 100 · Total charged = amount + total cost
Honest limits
No card database is embedded and no rewards are modelled. The earlier version of this page promised comparison “across cards” including rewards; that needs a maintained product database which would be stale within a month. You enter the terms instead, which is the only version that stays true.
Interest is not modelled. Cash advances typically accrue interest from the transaction date with no grace period, which can cost more than the advance fee itself if the balance is not cleared. Read your card’s terms.
The FX markup sits on top of a rate you did not choose. The network’s wholesale rate applies first, then the markup. To measure the rate itself, use the FX Margin Calculator.
Rewards are worth less than they look. If you want to include them, subtract their cash value from the total cost yourself — and value points at what you would actually redeem them for, not at the headline rate.
Sources
None. No card product, fee schedule or rewards rate is embedded, fetched or implied — every figure in the comparison is one you read off your own statement or card terms and typed in.