Verified 6 Aug
Kavita Nonglait
Asked 2 Jun 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.
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I travel abroad twice a year. Which Indian credit cards have the lowest foreign currency markup fee for international transactions?
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.
