Best credit card for students and young professionals in India
Mahesh Pai
Asked 25 Mar 2026
8
I am 21, just started working with a ₹75,000/month salary. Which credit card is best to begin my credit journey with in 2026?
2 Answers
Accepted
-1
Mahesh Awasthi·13 May 2026
Forex markup comparison: Amex = 3.5%, HDFC Infinia/Diners Black = 2.0%, Axis Atlas = 3.5% but with milestone fee waivers, ICICI Emeralde = 3.5%, Standard Chartered = 3.5%. If you travel more than twice a year, the math favours Infinia or Diners Black.
5
Ratnam Tikhir·29 May 2026
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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