The BEST Credit Cards for EVERY SALARIED Person | According to their SALARY

📈 Learn Investing and Personal Finance: https://www.upsurge.club/courses/stoc... In this podcast, we have an in-depth and practical conversation with Niraj Dugar, a chartered accountant and personal finance expert, who strongly believes that credit cards should be used strategically and not casually. The discussion starts with his personal journey and then moves into understanding term insurance basics before diving deep into the world of credit cards. Niraj explains different types of credit card users, reward structures, and how banks actually make money from credit cards. The episode covers entry-level cards, cards suited for different income groups, travel-focused cards, premium and aspirational cards, and popular comparisons like Infinia vs Emerald. We also talk about common mistakes credit card users make, myths around credit cards, the impact of delayed payments, and how credit cards can actually be safer when used correctly. The conversation ends with a clear takeaway on how to manage credit cards smartly to maximise rewards, travel benefits, and long-term financial discipline. Disclaimer: The ideas, analyses, and strategies shared on this platform are for educational purposes only. They should not be interpreted as financial advice. Any decision to act on the content provided is made at your own risk. Join our community: https://t.me/upsurgecommunity Check out our Conversation with top Investors in India:    • Podcasts   Follow Us On Other Socials⚡ 🌐Our Website: https://www.upsurge.club/?invite=YUTB... 📈Instagram:   / upsurge_club   ✍LinkedIn:   / upsurge-club   🐦Twitter:   / upsurge_club   Telegram Community: https://t.me/upsurgecommunity What is Upsurge.club? 🤔 We are a one-stop solution for learning trading, investing & finance from leading industry experts. Choose from our curated range of 300+ courses, along with live webinars and discussions, to stay one step ahead of your peers when it comes to stock market trading & investing. Start your stock market journey today with upsurge.club. 🚀 Timestamp: 00:00 Preview 01:07 Introduction 01:35 Niraj’s journey 04:00 Types of premiums in term insurance 06:10 Start of credit card discussion 07:30 Types of credit card users 09:48 Types of credit card rewards 11:00 Entry-level credit cards 13:20 Cards for people earning below ₹1 lakh 16:35 Best credit cards for travel 18:00 Cards for people earning ₹1–5 lakh 20:00 How banks earn from credit cards 23:50 Common issues faced by credit card users 25:25 Best premium credit cards 28:00 Infinia vs Emerald comparison 30:10 Most aspirational credit card 32:50 Impact of delayed credit card bill payments and solutions 35:33 HDFC Biz Black card 37:56 Why credit cards are safer than debit cards 39:00 Niraj’s credit card collection 42:10 Scapia card 43:45 Common myths around credit cards 45:25 How airline miles work 47:10 Takeaways and conclusion #upsurge #financiallyfit #screener #fundamentalanalysis #valuationary #basicsofstockmarket #stockmarketbeginners #stockmarket #investing