Verified 6 Aug
Kamakshi Bhuyan
Asked 23 Feb 2026
Don't blindly apply based on YouTube recommendations. Pull your latest CIBIL score first — most premium cards need 760+. If your score is in the 700-750 range, start with a lifetime free card and upgrade after 12-18 months of clean history.
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
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I am looking for a credit card mainly for Flipkart shopping. My monthly income is around ₹40,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
