
TwirlyTaco
6moby
Seeking recommendations for the best credit card for my usecase
Context: I am looking to get my first credit card. I have used BNPL services earlier from various platforms, which has helped build a disciplined spending habit. Now I am looking to get a credit card as they provide additional benefits.
My requirements for credit card features:
- No-cost EMI facility (without any catch)
- Good discounts for online purchases (Amazon/Flipkart (leaning heavier on Amazon's side), Myntra, Zomato, Swiggy, Apollo 24/7, etc.)
- Good discount offers for ticket/travel bookings
- Complimentary lounge access (without any min. spending requirement, min. 8 visits)
- No joining charge or annual charges (or waive off annual charges based on spending)
Please share your genuine recommendations... TIA !
6mo ago

GoofyPotato
6mo
Hdfc regalia gold 2.5k annual but can get LTF too if you have existing relationship with Hdfc
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