Best credit card for students and young professionals in India

I've been using this card for over a year now. In my experience, the rewards are decent but the real value is in the lounge access and the milestone benefits. Make sure to read the fine print on the welcome benefit — most banks only credit it after the first transaction, not on approval.

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.