Verified 6 Aug
Shivakumar Khatri
Asked 9 May 2026
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.
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 am looking for a credit card mainly for international travel. My monthly income is around ₹50,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
