Verified 6 Aug
Tara Pothen
Asked 27 Feb 2026
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
Two cards from the same bank usually share credit limit, not stack it. So if bank gives you ₹2 lakh total, splitting between two cards doesn't increase your available credit. That's a common misconception people carry when applying for their second card.
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
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A Mastercard premium tier card.
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A Mastercard basic card.
I am looking for a credit card mainly for travel and flights. My monthly income is around ₹1,50,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
