Best credit card for EMI purchases with no annual fee
Sakshi Deshpande
Asked 21 Apr 2026
9
Looking for a zero-annual-fee credit card that gives solid value on online shopping. My spends are around ₹40,000/month.
1 Answer
Accepted
5
Anvi Sundaram·8 Jun 2026
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
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