Best credit card for EMI purchases with no annual fee
Piyush Kumar
Asked 7 Mar 2026
27
Looking for a zero-annual-fee credit card that gives solid value on online shopping. My spends are around ₹60,000/month.
1 Answer
15
Tusshar Singh·21 May 2026
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
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