Best Credit Cards in India 2019

An overwhelming number of credit cards offer cashback, points, miles, welcome gifts and other rewards. To help you pick which one is the most valuable for you, we analysed and compared hundreds of credit cards to select the best offerings in India.

Best Credit Cards
CashbackIndusInd Iconia Amex1.5% on weekdays, 2% on weekends, free Jet Airways ticket
SC Ultimate Credit CardUp to Rs. 10,000 MakeMyTrip, 3.33% on all spend
TravelYatra SBI Credit Card8 lounge visits/year, Rs. 8,250 Yatra vouchers
JetPrivilege HDFC Diners ClubUnlimited global lounge, free Jet Airways tickets
No FeeIndusInd Bank SignatureFree Jet Airways ticket, 0.67% on all spend but fuel
BOB Financial SelectRs. 250 monthly bonus, 1.25% on online shopping & dining
SecuredBOB Financial Prime1% cashback on all, Rs. 15,000 min fixed deposit
Axis Bank Insta Easy1.2% domestic, 2.4% international, Rs. 20,000 deposit
FuelHDFC Bank Bharat Card5% on fuel, groceries, online shopping, travel & more
GroceriesSC Manhattan Credit Card5% back on supermarkets, 0.48% on other spend
ShoppingSBI FBB STYLEUP12.5% on FBB/Big Bazaar, 2.5% on Food Bazaar, dining

Best Cashback Credit Cards

Cashback credit cards are great because one doesn't have to worry about how he or she has to redeem rewards – it's simply cash back on purchases. Below are our top picks for this versatile reward option.

Best General Cashback Card: IndusInd Iconia American Express Card

Consider this if you want good travel perks

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Multiple options, including waiver of Jet Airways one way base fare + airline fuel charge

The IndusInd Iconia Amex Credit Card is the best general cashback card in India, providing 1.5% cashback on all weekday spend and 2% back on weekends (excluding fuel). The card comes along with nice perks, including 2 quarterly visits to American Express domestic airport lounges, various travel insurances, 20% off Lemon Tree hotel properties and free golf. The card has a Rs. 3,500 joining fee, but this could easily be outweighed by its Jet Airways one-way waiver welcome gift, a substantial portion of the card's value (among other options). Bottom line, get the IndusInd Iconia for a versatile cashback card.

  • Join Fee: Rs 3,500
  • Reward Earn Rate: 1.5 points per Rs. 100 domestic/international weekday spend; 2 points on weekends (excludes fuel)
  • Point Value: 1 point = Rs. 1
  • Perks: 2 free visits/quarter to Amex airport lounge (14 lounges across 7 cities, domestic/international terminals); Rs. 100,000 lost bag insurance, delayed bag, lost passport, lost ticket and missed connection insurances; 20% off hotel rooms, food & beverage across 40 Lemon Tree properties; free golf games & lessons
  • Fuel Surcharge Waiver: Transactions Rs. 400-4000
  • Join Fee: Rs 3,500
  • Reward Earn Rate: 1.5 points per Rs. 100 domestic/international weekday spend; 2 points on weekends (excludes fuel)
  • Point Value: 1 point = Rs. 1
  • Perks: 2 free visits/quarter to Amex airport lounge (14 lounges across 7 cities, domestic/international terminals); Rs. 100,000 lost bag insurance, delayed bag, lost passport, lost ticket and missed connection insurances; 20% off hotel rooms, food & beverage across 40 Lemon Tree properties; free golf games & lessons
  • Fuel Surcharge Waiver: Transactions Rs. 400-4000

Best Cashback Card for High Spenders & Dining: SC Ultimate Card

Consider this if you can spend enough on the card to outweigh the Rs. 5,000 annual fee

Age Requirement 21-65
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Up to Rs. 10,000 cashback on MakeMyTrip on tickets booked within 90 days of card issuance

The Standard Chartered Ultimate Card is the best cashback card in India for high spenders, earning great value back across all spending categories. First, consumers will get an excellent welcome gift of up to Rs. 10,000 cashback on MakeMyTrip tickets booked within the first 90 days of card ownership. On everyday spend, the card gives best-in-market 3.33% rupee value back with no exclusions (5 points per Rs. 150 spent; 1 point = Rs. 1 cashback). Its high reward rate also happens to make it the best general dining card in the market. The Ultimate has great travel perks too, including 4 lounge visits per quarter (Visa program), and one free Priority Pass visit per month upon reaching Rs. 20,000 in monthly spend. Further, it offers 5% off duty free purchases and a 2% foreign currency transaction fee, one of the lowest in India. In all, get the Ultimate to earn great cashback on all spending categories along with great perks.

  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions; 5% cashback duty free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Perks: Complimentary Priority Pass membership (USD 27/visit, waived once monthly if last month's spend > Rs. 20,000); Visa Lounge access (4 free visits/quarter, major airports in India); 2 free domestic golf games/month (1 free guest game/month), 1 free golf coaching session/month; air accident cover of Rs. 1 crore, emergency medical, bag delay, loss of bags/personal docs, hijacking and flight delay coverage
  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions; 5% cashback duty free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Perks: Complimentary Priority Pass membership (USD 27/visit, waived once monthly if last month's spend > Rs. 20,000); Visa Lounge access (4 free visits/quarter, major airports in India); 2 free domestic golf games/month (1 free guest game/month), 1 free golf coaching session/month; air accident cover of Rs. 1 crore, emergency medical, bag delay, loss of bags/personal docs, hijacking and flight delay coverage

Best Travel Rewards Credit Cards

Credit cards that offer travel rewards are often the most valuable choices for consumers. Although not as versatile a reward as cashback, people that fly often enough may want to choose a travel card to maximize their return on spending.

Best Overall Travel Card: Yatra SBI Credit Card

Consider this if you frequently travel and book online with Yatra

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: 7 Yatra vouchers totaling Rs. 8,250 (flights, hotels, holiday packages)

The Yatra SBI Card is one of the best credit cards in the market for travel rewards. Consumers who make flight, hotel and holiday bookings on Yatra will particularly love this card’s welcome gift of Rs. 8,250 in Yatra vouchers, the card's biggest source of value. Cardholders also receive 6 discounts of up to 20% off flight and hotel bookings each year.

On everyday spending, cardholders get good rupee value back of 1.5% on departmental and grocery stores, and on dining, movies, entertainment and international transactions (6 Reward Points per Rs. 100, 25% redemption rate for Yatra vouchers). Beyond those categories, the rupee value back of 0.25% on all other spend is below average (1 point per Rs. 100). For longer airport stays, cardholders can also get two domestic MasterCard lounge visits per quarter. In sum, if one travels enough, the Yatra SBI Card will give the best overall value by using its discounts and rewards toward significantly reducing annual travel spend.

  • Annual Fee: Rs. 499 (beyond first year, waived upon annual spend of Rs. 100,000)
  • Earn Rate: 6 Points per Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment, international spend; 1 Point per Rs. 100 on all other
  • Point Value: 1 Reward Point = Rs. 0.25 in Yatra vouchers
  • Perks: 2 free domestic MasterCard lounge visits/quarter (23 lounges, 9 cities) valid until 4/1/19; air accident cover of Rs. 50 lakhs
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000; max Rs. 100 waived/month
  • Annual Fee: Rs. 499 (beyond first year, waived upon annual spend of Rs. 100,000)
  • Earn Rate: 6 Points per Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment, international spend; 1 Point per Rs. 100 on all other
  • Point Value: 1 Reward Point = Rs. 0.25 in Yatra vouchers
  • Perks: 2 free domestic MasterCard lounge visits/quarter (23 lounges, 9 cities) valid until 4/1/19; air accident cover of Rs. 50 lakhs
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000; max Rs. 100 waived/month

Best Travel Card for High Spenders: JetPrivilege HDFC Bank Diners Club

Consider this if you’re a relatively high spender and frequently fly Jet Airways

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: 1) 15,000 JPMiles (worth ~Rs. 6,750), 2) waiver of 1-way base fare Economy Class ticket, 3) Rs. 750 voucher for return ticket, 4) 15 JetPrivilege Tier Points upon first swipe > Rs. 50 and 5) an extra 15,000 JPMiles on Rs. 150,000 of spend within first 90 days
  • Renewal Bonus: 1) 10,000 JPMiles (worth ~Rs. 4,500), 2) waiver of one-way base fare Economy Class ticket, 3) Rs. 750 voucher for return ticket and 4) 5 JetPrivilege Tier Points

The JetPrivilege HDFC Diners Club Card is one of the best travel rewards cards for high spenders who fly Jet Airways enough. Although the annual fees are higher than most, the card more than makes up for them with its bonuses of 25,000 JPMiles (worth about Rs. 11,250), 2 one-way base fare waivers and Rs. 1,500 return ticket waivers, the biggest value source for the card. One can also earn an additional 15,000 JPMiles (worth Rs. 6,750) on spend of Rs. 150,000 in the first 90 days, but most may find this requirement difficult.

The card also has a great earn rate of 5.3% in JPMiles (8 JPMiles per Rs. 150; 2.5% in rupee value) on general transactions apart from fuel. Furthermore, cardholders get 16% in JPMiles (24 miles per Rs. 150; 7.5% in rupee value) when booking on Jet Airways, and another 5% off base fare tickets. Among its perks, the card offers JetPrivilege Tier Points based on spend level and Diners Club Lounge access. For Jet Airways fliers, there’s no more valuable card out there for major airline rewards.

  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 JPMiles/Rs. 150 spent except fuel; 3X miles & 5% off Jet Airways base fare
  • Est. Point Value: 1 JPMile = Rs. 0.45
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at ~20 courses in India & 40 worldwide; free golf lesson at select ranges in India; domestic airport premiere check-in & extra baggage allowance; earn JP Tier Points; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month
  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 JPMiles/Rs. 150 spent except fuel; 3X miles & 5% off Jet Airways base fare
  • Est. Point Value: 1 JPMile = Rs. 0.45
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at ~20 courses in India & 40 worldwide; free golf lesson at select ranges in India; domestic airport premiere check-in & extra baggage allowance; earn JP Tier Points; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month

Best No-Annual Fee Credit Cards

Paying an annual fee can often be worth it, since many cards' rewards more than offset the fee given enough spend. However, if one doesn't charge enough or simply doesn't want to pay a fee, these are some great options.

Best Truly No-Fee Credit Card: IndusInd Bank Signature Card

Consider this if you don’t want to pay an annual fee under any circumstances

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome gift options: 1) one-way Jet Airways base fare and airline fuel charge waiver, 2) Oberoi Hotels voucher or 3) Genesis Luxury Voucher

IndusInd's Signature Card is one of the best cards to simply avoid paying an annual fee no matter what. There are no annual fees under any circumstances, whereas some other cards require hitting spend minimums to waive the fees. Of the different welcome gift options, the most widely usable is likely the one-way waiver of base fare and airline fuel charges on a Jet Airways flight, the card's biggest source of value. On daily spend, cardholders earn good rupee value of 0.67% on all transactions except fuel (1 point per Rs. 150; 1 point = Rs. 1 in cash). A number of different perks include Priority Pass and Travel Plus lounge access (however charges may apply), various travel insurances, as well as golf and movie benefits. Overall, the IndusInd Signature Card will provide solid cashback value, and there is no possibility of paying an annual fee.

  • Earn Rate: 1 Reward Point per Rs. 150 spent except on Fuel
  • Point Value: 1 Reward Point = Rs. 1 cash
  • Perks: Priority Pass & Travel Plus (charges may apply), travel insurance, golf benefits, movie benefits
  • Earn Rate: 1 Reward Point per Rs. 150 spent except on Fuel
  • Point Value: 1 Reward Point = Rs. 1 cash
  • Perks: Priority Pass & Travel Plus (charges may apply), travel insurance, golf benefits, movie benefits

Best Credit Card with Annual Fee Waiver: BOB Financial Select Card

Consider this if you spend at least Rs. 70,000 on your card annually

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Monthly bonus: 1,000 points (worth Rs. 250) on 5 transactions of Rs. 1,000+ per month

The BOB Financial Select Card is an excellent, effectively no-fee card if one can clear the Rs. 70,000 annual spend requirement. The card's biggest value source is its monthly bonus worth Rs. 250 (1,000 points) upon at least 5 transactions of Rs. 1,000+ within the given month. On everyday spend, the card earns good 1.25% rupee value back (5 points per Rs. 100 spent; 4 points = Rs. 1) on online shopping, dining and utility bill transactions. Last, its 0.25% value back (1 point per Rs. 100) on all other spend is below average. Overall, this is the most profitable no-fee card if one can both clear the annual spend minimum and attain the monthly bonuses each billing cycle.

  • Annual Fee: Rs. 750 (in first year, waived on Rs. 7,500 spend in 60 days; beyond first year, waived on annual spend of Rs. 70,000)
  • Reward Earn Rate: 5 points/Rs. 100 spent on online shopping, dining and utility bills; 1 point/Rs. 100 spent on all other
  • Point Value: 4 points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000 (max Rs. waived 250 per cycle)
  • Annual Fee: Rs. 750 (in first year, waived on Rs. 7,500 spend in 60 days; beyond first year, waived on annual spend of Rs. 70,000)
  • Reward Earn Rate: 5 points/Rs. 100 spent on online shopping, dining and utility bills; 1 point/Rs. 100 spent on all other
  • Point Value: 4 points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000 (max Rs. waived 250 per cycle)

Best Credit Cards Against Fixed Deposit

Credit cards against fixed deposit, also known as secured credit cards, are intended for consumers with nonexistent, limited or poor credit history. Such cards are also good for students who may not yet have a steady income. Regardless of a consumer's profile, these are great options to help build credit and progress toward a more valuable card over time.

Best Card Against Fixed Deposit for Cashback: BOB Financial Prime Card

Consider this if you need a card against fixed deposit and want to earn cashback

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

BOB Financial's Prime Credit Card is the clear choice among credit cards against fixed deposit for those who prefer the flexibility of cashback. This card requires at least a Rs. 15,000 deposit (the lowest of all other cards against fixed deposit) and also has no fees or age/income requirements. While this card provides no welcome gift, its 1% rupee value back (4 points per Rs. 100 spent, 4 points = Rs. 1) is still great among credit cards against fixed deposit. Get this card to earn modest cashback on spend while you require a card against fixed deposit.

  • Minimum Fixed Deposit: Rs. 15,000
  • Earn Rate: 4 Rewards Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month
  • Minimum Fixed Deposit: Rs. 15,000
  • Earn Rate: 4 Rewards Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month

Best Card Against Fixed Deposit for Travel Rewards: Axis Bank Insta Easy

Consider this if you need a card against fixed deposit and prefer to earn travel rewards

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: 100 points (Rs. 40 in Yatra vouchers) on first online transaction

Axis Bank's Insta Easy Credit Card is the most valuable card against fixed deposit on the market for those who want to redeem rewards for travel (via Yatra vouchers). A deposit of at least Rs. 20,000 is required, and the card comes fee-free, making it a great potential card for students, too. With a small welcome gift of 100 points, most of the card value comes from its great 1.2% Yatra voucher value back on domestic spend (6 points per Rs. 200 spent; 1 point = Rs. 0.40 Yatra vouchers) and even better 2.4% Yatra voucher value back on international spend (12 points per Rs. 200).

Diners at participating restaurants will also enjoy up to 15% off using the card. If one doesn’t require the flexibility of cashback rewards, the Insta Easy Card’s travel rewards will provide the best value while you require a card against fixed deposit.

  • Minimum Fixed Deposit: Rs. 20,000
  • Earn Rate: 6 points per Rs. 200 spent on domestic transactions except on Fuel; 12 points per Rs. 200 spent on international transactions
  • Point Value: 1 Axis eDGE Reward Point = Rs. 0.40 Yatra Travel Vouchers
  • Perks: Axis Bank’s Dining Delights program
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4,000; max Rs. 400 waived per month
  • No Income or Age Requirements
  • Minimum Fixed Deposit: Rs. 20,000
  • Earn Rate: 6 points per Rs. 200 spent on domestic transactions except on Fuel; 12 points per Rs. 200 spent on international transactions
  • Point Value: 1 Axis eDGE Reward Point = Rs. 0.40 Yatra Travel Vouchers
  • Perks: Axis Bank’s Dining Delights program
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4,000; max Rs. 400 waived per month

Best Fuel Credit Card: HDFC Bank Bharat Card

Consider this if you make at least Rs. 144,000 annually

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement Rs. 144,000 (Rs. 200,000 if self-employed)

The HDFC Bharat Credit Card is the best credit card for fuel rewards in India, as long as one meets the minimum annual income requirement of Rs. 144,000 per year to apply. Additionally, as long as one isn't a high spender and charges so much that the monthly cashback cap is exceeded, return on fuel spend will be a market-leading 5% rupee value back. The same 5% return is received on groceries, rail, mobile recharge, billpay and SmartBuy (travel & online shopping), as well as on EasyEMI and PayZapp, making the Bharat Card great for those categories, as well. Last, note that cashback isn't received on dining, which is a large spending category for many. Bottom line, this is the best fuel card for moderate spenders.

  • Annual Fee: Rs. 500 (after 1st year, waived on annual spend Rs. 20,000)
  • Earn Rate: 5% cashback groceries, fuel, IRCTC, mobile recharge, bill pay (max Rs. 150 cashback on sum of 4 categories), HDFC SmartBuy (travel, online shopping), EasyEMI (pre-approved loan facility) & PayZapp (max Rs. 150 cashback on sum of 3 categories); no cashback on other
  • Insurance: Accidental death insurance Rs. 50 lakhs; fire/burglary protection for goods Rs. 5,000+ for 180 days
  • Fuel Surcharge Waiver: Transactions Rs. 400+, max Rs. 250 waived/month
  • Annual Fee: Rs. 500 (after 1st year, waived on annual spend Rs. 20,000)
  • Earn Rate: 5% cashback groceries, fuel, IRCTC, mobile recharge, bill pay (max Rs. 150 cashback on sum of 4 categories), HDFC SmartBuy (travel, online shopping), EasyEMI (pre-approved loan facility) & PayZapp (max Rs. 150 cashback on sum of 3 categories); no cashback on other
  • Insurance: Accidental death insurance Rs. 50 lakhs; fire/burglary protection for goods Rs. 5,000+ for 180 days
  • Fuel Surcharge Waiver: Transactions Rs. 400+, max Rs. 250 waived/month

Best Card for Groceries: Standard Chartered Manhattan Platinum

Consider this if you spend at least Rs. 1,000 on each grocery store visit

Age Requirement 21-65
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Rs. 2,000 BookMyShow voucher

With the Standard Chartered Manhattan Platinum Card, cardholders earn excellent cashback on grocery spend no matter the location. Moviegoers will also love the Rs. 2,000 BookMyShow welcome gift voucher, but the bulk of the card's value is its excellent rupee value back of 5% on supermarket (and department store) spend. However, know that one must clear Rs. 1,000 per transaction and that there is a Rs. 150 cashback max per transaction (capped at Rs. 500 per month). On all other spend, cardholders earn an average 0.48% rupee value back via 3 points per Rs. 150 spent (100 points = 53 JPMiles = ~Rs 24). As long as one can meet the spend constraints, this is the most valuable card for groceries cashback.

  • Annual Fee: Rs. 999
  • Reward Earn Rate: 5% cashback on supermarket & department store spend (Rs. 1,000 min transaction, max Rs. 150 cashback per transaction, max Rs. 500 cashback per month); 3 points/Rs. 150 spent on other spend
  • Estimated Point Value: 100 points = 53 JPMiles = ~Rs. 24
  • Perks: SC Good Life Program (dining, shopping and travel discounts)
  • Annual Fee: Rs. 999
  • Reward Earn Rate: 5% cashback on supermarket & department store spend (Rs. 1,000 min transaction, max Rs. 150 cashback per transaction, max Rs. 500 cashback per month); 3 points/Rs. 150 spent on other spend
  • Estimated Point Value: 100 points = 53 JPMiles = ~Rs. 24
  • Perks: SC Good Life Program (dining, shopping and travel discounts)

Best Credit Card for Shopping: FBB SBI STYLEUP Contactless Card

Consider this if you shop at Big Bazaar (FBB, Food Bazaar)

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Rs. 500 FBB gift voucher
  • Renewal Gift: 2,000 Reward Points (worth Rs. 500)

SBI's FBB STYLEUP Contactless Card is the best credit card for shopping out there. Shopping at Fbb or Big Bazaar, cardholders get a flat 10% off and an additional great 2.5% rupee value back via rewards (10 points per Rs. 100 spent). That's where the majority of the value of this card comes from, but cardholders also earn 2.5% rupee value back at Food Bazaar and on all dining expenses. Consumers earn a below average 0.25% rupee value back on all other spend except fuel (1 point per Rs. 100). Overall, this card is great for those who spend a lot on dining, groceries and particularly shopping.

  • Annual Fee: Rs. 499
  • Welcome Gift: Rs. 500 FBB gift voucher
  • Renewal Gift: 2,000 Reward Points
  • Earn Rate: 1 Reward Point per Rs. 100 spent except on Fuel; 10X points and 10% cashback on FBB / Big Bazaar; 10X points on Food Bazaar; 10X points on dining
  • Point Value: 1 Reward Point = Rs. 0.25
  • Fuel Surcharge Waiver: Transaction range Rs. 500 – 3,000
  • Annual Fee: Rs. 499
  • Welcome Gift: Rs. 500 FBB gift voucher (conditions apply)
  • Renewal Gift: 2,000 Reward Points
  • Earn Rate: 1 Reward Point per Rs. 100 spent except on Fuel; 10X points and 10% cashback on FBB / Big Bazaar; 10X points on Food Bazaar; 10X points on dining
  • Point Value: 1 Reward Point = Rs. 0.25
  • Fuel Surcharge Waiver: Transaction range Rs. 500 – 3,000
Dan Grossman

Dan is a Senior Research Analyst at ValueChampion India, focusing on credit cards. He holds a B.S. in Mathematics & Economics from the University of Michigan, and previously worked in the financial services industry at Capital One and Moelis & Company.