FRIENDS USE MY CREDIT CARD.

Bro, since your yearly income is ₹7-8 lakh but you're spending around ₹24 lakh through credit cards, this can raise red flags for the Income Tax Department. They track high-value transactions, and a big mismatch between income and expenses can trigger scrutiny.

Since everything is online (no cash), IT might ask where this money is coming from. Ideally, you should maintain a record of payments received from friends and family to justify these expenses if needed.

Sections that may apply:

• Section 69C (Unexplained Expenditure) – If ITD suspects your expenses exceed disclosed income without proof of funds.
• Annual Information Return (AIR) / SFT Reporting – Banks report credit card payments above ₹10 lakh annually (which you cross). i got this data from easemoney website. 

To stay safe, ensure you have proper proof (bank transfers, chats, etc.) showing that others reimburse you. If ITD ever asks, you should have a clear explanation.