Best credit card for students and young professionals in India

Arjun Ganesan

Asked 26 Mar 2026

-1

I am 21, just started working with a ₹25,000/month salary. Which credit card is best to begin my credit journey with in 2026?

2 Answers

Accepted

Sudeep Ranjan·9 May 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.

Vijaya Gupta·19 Feb 2026

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.

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