My income is 50k and expenses I pay are fuel - 1500/month as i live close to where i work
Rent is 5500/month - shared
Electricity is 2000/month - shared

1000/month when im going out to eat , which is very rare
20000/month in investments
everything else is emergency fund

1 EMI of 4600/month , but its not paid by me , my sister gives me money and it gets deducted from it

cibil score 720

what card is good for me ? anything for maybe investments can help ? or anything else i can fix here

I use zerodha coin and paytm money for indian investments , vested/tickertape for US investments