For young professionals, striking a balance between security and growth is paramount. Opt for RDs for short-term objectives and tranquility, and begin a monthly mutual fund SIP to surpass inflation and increase your wealth.

Keep a 3- to 6-month emergency fund as a buffer, and automate your investments to maintain discipline. This balance prevents stress from market fluctuations while allowing your money to grow steadily.

The SBI Elite CC is too expensive for everyday or regular spending because it is designed for luxury lifestyles like lounge access and milestone awards, with an annual charge of ₹4,999 that is waived on ₹10L spent.

On the other hand, the Amazon Pay ICICI Card provides basic cashback, making it more cost-effective for everyday purchases.