Credit card advice

Card Recommendation

I’m an nre account holder 27yo earning around 3.5 to 4 lakhs per months but contract based

contracts last for around 4-8 months a year

could be lesser but definitely not more as my job is highly stressful and have to stay away from family in hard and isolated environments

anyways my credit score is somewhere between 700-720

I need credit card advice for single or multiple credit cards for my expenses in India as well as those in foreign countries

my expenses are highly variable sometimes up to even 4lakh per month otherwise maybe a minimum of 30000 per month

I also shop for electronic and other buys and expenses When I visit other countries

my primary requirements are that there should be nil or negligible forex markup, no hidden charges , need good enough rewards as I frequent malls , once or twice a month in India movies , highly frequent dining and food orders , a lot of shopping on e commerce, international travel maybe 3-4 times a year mostly work but in coming years will be for leisure as well

I buy stuff internationally as well when I find them cheaper there than India but often I find myself in positions where the charges and conversion markups just eat into my savings

im short although I’m an nri

i live and spend mostly in India and need rewards here in inr

kindly advice

dont need a one for all card

could be one for domestic and one for international as well

my current bank is standar chartered

Posted May 12, 2026, 6:15 AM UTC

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