Best credit card for students and young professionals in India
Daksh Parthasarathy
Asked 28 Mar 2026
2
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?
1 Answer
2
Ayushmann Baruah·13 May 2026
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
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