NRI credit cards: Rewards and lounge access aren’t everything, what more NRIs should know before getting an Indian credit card - The Economic Times

For Non-Resident Indians (NRIs), an Indian credit card offers significant benefits beyond convenience, including building a crucial CIBIL score for future borrowing and simplifying rupee-denominated expenses. While unsecured cards are increasingly available, understanding forex charges, repayment mechanisms, and FEMA compliance is vital before applying.

Raccontata daeconomictimes.indiatimes.com