Best credit card for students and young professionals in India
Bhumi Bala
Asked 18 May 2026
11
I am 21, just started working with a ₹50,000/month salary. Which credit card is best to begin my credit journey with in 2026?
1 Answer
Accepted
8
Tanvi Dhillon·22 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.
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