Verified 6 Aug
Tulsi Jain
Asked 20 Apr 2026
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.
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.
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I am looking for a credit card mainly for grocery shopping. My monthly income is around ₹75,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
