Premium Credit Cards vs Cashback Credit Cards 2026 | Stop the FOMO | What's Right for You?

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There is a growing trend on social media where users of premium credit cards like HDFC Infinia Credit Card, Axis Magnus Burgundy Credit Card, HSBC Premier Credit Card etc flex their 15-20% travel based reward and mock users of cashback credit cards like SBI Cashback, HDFC Swiggy and SBI PhonePe Credit Card who are happy with 5% real cashback.

This FOMO is pushing people who do not need super premium cards to chase them anyway — and that is a trap. In this video, I explain why most credit card users in India will actually be better off with real cashback credit cards, and who are the users who genuinely need a super premium card in 2026.

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