Credit Card Issuers lure customers by offering a variety of joining benefits and co-branded deals. Hence, you need to be smart about which one works best for you as your usage should be linked to your card Expense habit. Here’s a short quiz to help you figure out which card you should choose.

My monthly spending on credit card is…

A Rs.5,000 – Rs. 25,000

B Rs.25,000-Rs.60,000

C above Rs 60,000

i roll over Amount deposited For several months…

a frequent

b sometimes

c never


how would you rate yourself credit score,

a poor

be good

c excellent

i drive my car every month

Distance 100 -300 km. Is

B 300 -1,000 km

c 1,000 km. more than

I swipe my credit card the most…

a grocery

B. Online Shopping

C Meal or Takeaway

I spend ____ on eating out every month

A Rs.500 – Rs.3,000

B Rs.3,000 – Rs.10,000

c above Rs.10,000

For my work or family I need to travel…

once a year

b once a quarter

once a month

Mostly As

Since your credit card usage is low or you are still on the learning curve, choose a card that has zero annual fee and low interest rate. Such a card will provide you with an additional mode of payment apart from cash and UPI payments, while also helping you build your credit score. Instead of opting for offers or focusing on juggling reward points, choose a card that offers cashback as a reward. This will allow you to convert your accumulated points into cash, which you can use to pay your credit card bill.

mostly bs

As you seem comfortable swiping your card, you can go for three of them. One of these should be a card that gives you a discount on fuel surcharges or instant points on fuel usage. The other two can be single or co-branded cards that give you discounts on grocery shopping, online shopping or dining, depending on what you spend the most on. Preferably, get one that doesn’t collect redemption fees or has an expiry date of reward points.

Mostly CS

Your credit card is used frequently. So, you can also opt for a premium card which charges a joining or annual fee. This can be more beneficial as these cards offer instant reward points, such as 5 reward points for spending ₹100 instead of just 2 points offered by the Basic card. They also offer you better benefits like access to airport lounges, priority pass membership, low forex markup fee of just 2%, etc.

Read also:
9 smart ways to use your credit card