Best credit card for bill payments with no annual fee
Trisha Gowda
Asked 10 May 2026
Looking for a zero-annual-fee credit card that gives solid value on grocery shopping. My spends are around ₹60,000/month.
2 Answers
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
I've been using this card for over a year now. In my experience, the rewards are decent but the real value is in the lounge access and the milestone benefits. Make sure to read the fine print on the welcome benefit — most banks only credit it after the first transaction, not on approval.
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