Verified 6 Aug
Aaradhya Suchiang
Asked 29 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.
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
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I currently have a CIBIL score of 780. Which premium credit cards am I eligible for? I am okay with annual fees under ₹60,000.
