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When leaving the home area of your cellular phone you are charged always an immense roaming fee for each telephone call you make. Yes you also have to pay for incoming calls. When calling to India and using a calling card from an Indian service provider, than all the phone calls are routed over this service providers network and you don't have to consume high rated network time of another service provider..

The roaming fees are always billed in increments of 60 sec.. So if you only talk for a few seconds, the billing is rounded up the next full minute.