Verified 6 Aug
Jisshu Sastry
Asked 27 May 2026
Don't blindly apply based on YouTube recommendations. Pull your latest CIBIL score first — most premium cards need 760+. If your score is in the 700-750 range, start with a lifetime free card and upgrade after 12-18 months of clean history.
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The card network matters more than the bank for acceptance and forex. Here's how each one stacks up in India.
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A Mastercard premium tier card.
I just received my first SBI Card credit card statement. Can someone explain the key sections — total amount due, minimum due, billing cycle, and grace period?
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
