It’s a good idea to weigh the annual fee against how much you actually spend. Opt for a card that rewards you on purchases like groceries or fuel, so your points can help pay off the fee. Ensure that the card's lounge access is valid at the airports you use. If you travel often, a premium card is generally worth the extra cost for the perks you’ll receive.

If you’re looking for travel credit cards, consider the Axis Bank Atlas, HDFC Diners Club Black, Axis Magnus/Reserve, and Axis Bank Horizon.

Yes, the BHIM app offers features like transaction history and QR code payments. There is a new updated version, BHIM 3.0. This update includes BHIM Vega, which lets you pay directly within apps. Additionally, it may have features to assist merchants in better viewing and comprehending their transactions.