Verified 6 Aug
Lovish Tiwari
Asked 12 Mar 2026
I've owned 4 cards over the last 7 years. The biggest lesson: a card that fits your spend pattern beats the 'most rewarding' card on paper. A 5% cashback card you actually use daily will give you 10x more value than a 10% card you use once a month.
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
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I am 21, just started working with a ₹1,50,000/month salary. Which credit card is best to begin my credit journey with in 2026?
