Verified 6 Aug
Vikram Raju
Asked 15 Mar 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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I have accumulated around 5,000 reward points on my American Express credit card. What is the redemption value in rupees and the best way to use them?
