Verified 6 Aug
Sakshi Deshpande
Asked 21 Apr 2026
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
Sign in to post your answer and help the community.
Sign in to postWhy sign in? We moderate Q&A to keep it spam-free.
blog
The card network matters more than the bank for acceptance and forex. Here's how each one stacks up in India.
blog
Every swipe moves money across multiple rails. The network's fee is small per transaction but massive in aggregate.
glossary
A Mastercard premium tier card.
glossary
A Mastercard basic card.
Looking for a zero-annual-fee credit card that gives solid value on online shopping. My spends are around ₹40,000/month.
