Verified 5 Aug
Pranav Setty
Asked 24 Mar 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.
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
The customer care experience matters more than people think. I've had two cards with similar rewards, and the one from the bank with better support saved me ₹18,000 when there was a merchant dispute. Don't underestimate this.
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Every swipe moves money across multiple rails. The network's fee is small per transaction but massive in aggregate.
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A Mastercard premium tier card.
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A Mastercard basic card.
Please recommend a credit card with annual fee under ₹1,00,000 that excels at EMI purchases. I prefer Visa/Mastercard over RuPay for wider acceptance.
