Best credit card for students and young professionals in India
Kangana Pradhan
Asked 2 Apr 2026
8
I am 21, just started working with a ₹2,00,000/month salary. Which credit card is best to begin my credit journey with in 2026?
2 Answers
Accepted
4
Akash Koul·1 Mar 2026
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.
5
Sahil Pramanik·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.
Your Answer
Sign in to post your answer and help the community.
Sign in to postWhy sign in? We moderate Q&A to keep it spam-free.