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A ₹250 starter card with uncapped 5X points on dining, hotels and fuel. Here is who should skip it.

Points worth ₹1 each make 3.33% back on most spends, and renewal points cancel the ₹5,000 fee.

Flat 2% cashback online and 1% offline for ₹499 a year, but you can only redeem once ₹2,500 has built up.

First year free, 4 points per ₹150 and double above ₹20,000 a month, but each point is worth just ₹0.25.