Verified 5 Aug
Meena Patel
Asked 31 Mar 2026
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
I've owned 4 cards over the last 7 years. The biggest lesson: a card that fits your spend pattern beats the 'most rewarding' card on paper. A 5% cashback card you actually use daily will give you 10x more value than a 10% card you use once a month.
Sign in to post your answer and help the community.
Sign in to postWhy sign in? We moderate Q&A to keep it spam-free.
blog
The card network matters more than the bank for acceptance and forex. Here's how each one stacks up in India.
blog
Every swipe moves money across multiple rails. The network's fee is small per transaction but massive in aggregate.
glossary
A Mastercard premium tier card.
glossary
A Mastercard basic card.
I am looking for a credit card mainly for travel and flights. My monthly income is around ₹1,00,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
