Best credit card for cashback on everyday spends under ₹1,50,000 annual fee
Rekha Yadav
Asked 27 Apr 2026
Please recommend a credit card with annual fee under ₹75,000 that excels at lounge access. I prefer Visa/Mastercard over RuPay for wider acceptance.
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.
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
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