Best credit card for bill payments with no annual fee
Anahita Sarangi
Asked 10 Jun 2026
Looking for a zero-annual-fee credit card that gives solid value on Amazon purchases. My spends are around ₹50,000/month.
2 Answers
The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.
I closed my HDFC card last year. The process took exactly 7 days. They sent a confirmation email and a closure letter by speed post. Tip: pay off the full outstanding and request closure only AFTER the payment reflects. Calling repeatedly with a zero balance is the fastest path.
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