Verified 6 Aug
Jyothika Sahni
Asked 20 Mar 2026
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
Yes the rewards sound amazing in marketing, but the redemption catalogue is full of products at inflated MRP. The statement credit redemption is almost always the best value. Skip the merchandise, skip the flight bookings, take the cash.
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A Mastercard premium tier card.
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A Mastercard basic card.
Looking for a zero-annual-fee credit card that gives solid value on movie tickets. My spends are around ₹40,000/month.
