Verified 6 Aug
Suman Zala
Asked 9 Mar 2026
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
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The card network matters more than the bank for acceptance and forex. Here's how each one stacks up in India.
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Every swipe moves money across multiple rails. The network's fee is small per transaction but massive in aggregate.
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A Mastercard premium tier card.
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A Mastercard basic card.
I have never owned a credit card before. Salary is ₹1,00,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
