Best credit card for dining and restaurants with no annual fee
Tovino Tiwari
Asked 18 Feb 2026
3
Looking for a zero-annual-fee credit card that gives solid value on hotel bookings. My spends are around ₹40,000/month.
2 Answers
Accepted
14
Mokshita Hooda·7 Mar 2026
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.
-1
Sita Bhati·1 Mar 2026
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.
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