Considering that many cards promise "zero forex markup," what specific hidden fees, such as ATM withdrawal charges or underlying conversion rates, should a cautious user always investigate before making a final commitment?

With the increasing digital fraud, how safe is the BHIM app for my daily activities like grocery shopping and bill payments? What are the security policies this app uses to guard my data?

I am working as a freelancer for the US company. So is it necessary for me to get a GST number as I am getting foreign income? I earned around 10 lakh this year, last year I made 11 lakh. Do I need an GST number?

Hi

I travel a lot internationally due to my job requirement. I already have an Axis Bank Atlas Credit Card. But I want to buy a new card with the following requirements:

• I travel a lot, so I want rewards points.
• Access to national and international airport lounges,
• Benefits at luxury hotels.
• I earn much, so I need high credit card limits.
• Good and easy rewards and redemptions.

I have selected 2 cards: HDFC Diners Club Privilege CC and Axis Magnus CC.

So suggest me which one I should choose based on my requirements. And if you have used these cards, share your experiences.