SBI Card ELITE vs SBI BPCL Credit Card — which is better for bill payments?

Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.

Forex markup comparison: Amex = 3.5%, HDFC Infinia/Diners Black = 2.0%, Axis Atlas = 3.5% but with milestone fee waivers, ICICI Emeralde = 3.5%, Standard Chartered = 3.5%. If you travel more than twice a year, the math favours Infinia or Diners Black.

On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.