What is a must have credit card?

Credit Cards
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Hello guys, I am 23 year old guy exploring Indian credit cards, and I want to ask you which are the best value for money credit cards available in India.
It can be a lifetime free or a premium card, but it should be able to justify itself.
Like it must provide something good or it should be worth getting
Basically, I want you to tell me which credit card you think is must have

Thank you in advance

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Currently, i am using SBI Cashback credit card, and I can’t say it’s a must have credit card, but I think it’s a good credit card with a joining and annual fee of ₹999 it gives up to 5% cashback and ₹1 = ₹0.25. Its monthly cashback cap is ₹5000
And I think it’s a good card
If you want you can go for it

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