Verified 6 Aug
Pratyusha Bhagat
Asked 27 Apr 2026
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.
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The card network matters more than the bank for acceptance and forex. Here's how each one stacks up in India.
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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 ₹40,000 that excels at lounge access. I prefer Visa/Mastercard over RuPay for wider acceptance.
