Best credit card for cashback on everyday spends under ₹1,00,000 annual fee
Paoli Nair
Asked 18 Mar 2026
Please recommend a credit card with annual fee under ₹2,00,000 that excels at grocery shopping. I prefer Visa/Mastercard over RuPay for wider acceptance.
2 Answers
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
Forex markup comparison: Amex = 3.5%, HDFC Infinia/Diners Black = 2.0%, Axis Atlas = 3.5% but with milestone fee waivers, ICICI Emeralde = 3.5%, Standard Chartered = 3.5%. If you travel more than twice a year, the math favours Infinia or Diners Black.
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