Best Credit Cards for 2026 | ft. Aly Hajiani

00:00 - Highlights 03:53 - Introduction 04:13 - Learning About Credit Early 06:10 - Hard vs. Soft Card Benefits 08:40 - Understanding CIBIL Scores 10:58 - Getting Cards Without Salary Slips 12:16 - FD-Backed Credit Cards 15:35 - The Ultra-Exclusive Amex Centurion 17:59 - Best Cards for Beginners 19:23 - Avoiding the Credit Debt Trap 21:15 - Buying a Car with Credit Cards 23:53 - How to Calculate Point Value 26:25 - Emergency Flight Booking Hack 28:28 - Tools for Finding Reward Seats 29:33 - Understanding Airline Alliances 31:32 - Free Stopovers & International Travel 34:57 - Dealing with Card Devaluations 37:28 - Ali's Current Credit Card Stack 41:23 - Best Cards for Business Owners 42:57 - Axis Burgundy Private Explained 44:51 - Hacks for Utility & Education Payments 47:11 - Cashback vs. Reward Points 49:17 - SBI PhonePe Card Review 50:07 - Truth About UPI Credit Cards 52:10 - Buying Gold at a Discount 55:11 - Saving Lakhs on Wedding Expenses 57:16 - Cash vs. Points for Flights 01:01:14 - Zero Forex vs. Reward Cards 01:03:20 - Dark Patterns in Credit Cards 01:05:33 - Best Lifetime Free Lounge Cards Maximise your savings and upgrade your lifestyle with this Ultimate Credit Card Guide! In this episode of Money Talks, we explore how to move beyond basic UPI cashback to booking Free Business Class flights. Mastering your credit cards is one of the most effective ways to optimise your personal finances and get tangible value back from your daily spending in India. Our guest expert, Aly Hajiani, breaks down his "2026 Card Stack" featuring the HDFC Biz Black and Axis Magnus Burgundy. Discover strategies worth researching to save lakhs on travel, hotels, and luxury expenses through smart reward point redemption. Disclaimer: This content is for educational purposes only. Please research thoroughly before applying for any financial products. #CreditCardsIndia #PersonalFinance #TravelHacks #MoneyTalks #HDFCBank #FinancialFreedom #LuxuryTravel #CreditScore About Groww Groww is India’s Best Investment App and the Largest Stock Broker. Find us here: Android app: https://app.groww.in/v3cO/f9o4prne iOS app - https://app.groww.in/v3cO/tu0yrc3e Website - https://groww.in/ RA disclaimer link: https://groww.in/p/sebi-research-anal... For more finance content on stock market, personal finance, investing, watch our top playlists (recommended watch): 👉 Market ki Baat Groww ke Saath:    • Market ki Baat Groww ke Saath   👉 Intelligent Investors:    • Intelligent Investors   👉 Groww Alerts:    • Groww Alerts   👉 IPO Review:    • IPO Review   👉 Monopolish stocks:    • Monopolish stocks   👉 Groww Xplained (case studies):    • Groww Xplained (case studies)   👉 Sector Spotlight:    • Sector Spotlight   👉 Stocks Fundamental Analysis Series:    • Stocks Fundamental Analysis Series   👉 Viral Reacts:    • Viral Reacts   Follow us here on other channels: 🔔 Mutual Funds at Groww - https://bit.ly/3zQpR32 🔔 Trading with Groww -    / tradingwithgroww   🔔 Groww plus -    / growwplus   🔔 Groww Kannada - https://bit.ly/3ekyeKP 🔔 Groww Tamil - https://bit.ly/3cbhN3Z 🔔 Groww Telugu - https://bit.ly/39aLpwC 🔔 Groww Malayalam https://bit.ly/3enG2LV 🔔 Groww Gujarati -    / @growwgujarati   🔔 Groww Marathi -    / @groww.marathi   🔔 Groww Insurance Academy -    / @growwinsurance   🔔 Get to Know Groww -    / @gettoknowgroww   🔔 Ipo review by Groww -    / @iporeviewbygroww   Follow us on: Facebook:   / growwapp   Twitter:   / _groww   Instagram:   / groww_official   LinkedIn:   / groww.in   Telegram: https://t.me/GrowwHQ Stock market investing content in Hindi | Finance content in Hindi | Personal finance content in Hindi Investment in securities market are subject to market risks, read all the related documents carefully before investing. If you have any concerns with respect to Groww, please feel free to write to us at [email protected] or you can call us at +91 9108800000. #groww #growwapp #finance #investing #stock market Research Analyst disclaimer: https://groww.in/p/sebi-research-anal...