Verified 6 Aug
Aryan Rajput
Asked 26 May 2026
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.
Sign in to post your answer and help the community.
Sign in to postWhy sign in? We moderate Q&A to keep it spam-free.
blog
The card network matters more than the bank for acceptance and forex. Here's how each one stacks up in India.
blog
Every swipe moves money across multiple rails. The network's fee is small per transaction but massive in aggregate.
glossary
A Mastercard premium tier card.
glossary
A Mastercard basic card.
I spend around ₹50,000/month on Amazon, Flipkart and Myntra. Which credit card offers the best flat cashback on online shopping?
