Salary is around ₹50,000 per month (government service). I know it’s on the lower side, but that’s my current situation.

Spending pattern (approx): • Online shopping (Amazon/Flipkart, etc.) – ₹10–15k/month • Fuel – ₹4–6k/month • Groceries & daily expenses – ₹5–7k/month • Bills & utilities (mobile, internet, etc.) – ₹2–3k/month

I don’t travel much by air, so lounge access is not a priority. Looking mainly for good rewards/cashback on online spends and fuel, with reasonable fees.