Best for · IT Professionals

Best Credit Cards for IT Employees in India (2026)

Software engineers have a specific spending profile — USD subscriptions, AWS/GCP bills, frequent international travel, ESOP-rich balance sheets. Six cards optimize for this.

IT employees in India spend differently than salaried-professional defaults. ₹20-50K/month on cloud (USD-denominated), 8+ SaaS subscriptions, frequent international travel. The standard 'Axis ACE → HDFC Regalia at 30' path doesn't optimize for this. The right stack: a forex-friendly primary card (HDFC Regalia Gold mid-career, Infinia Metal at Director+) + Federal Scapia prepaid for USD subscriptions (saves 3.5% forex markup).