Best credit card for cashback on everyday spends with no annual fee
Ankit Srivastava
Asked 22 Feb 2026
Looking for a zero-annual-fee credit card that gives solid value on Flipkart shopping. My spends are around ₹40,000/month.
2 Answers
The customer care experience matters more than people think. I've had two cards with similar rewards, and the one from the bank with better support saved me ₹18,000 when there was a merchant dispute. Don't underestimate this.
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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