Best credit card for Flipkart shopping under ₹75,000 annual fee
Ravi Chauhan
Asked 4 Jun 2026
Please recommend a credit card with annual fee under ₹1,00,000 that excels at online shopping. I prefer Visa/Mastercard over RuPay for wider acceptance.
3 Answers
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
I've been a customer for 6 years. The biggest upside is the customer service. The biggest downside is the slow mobile app. If you do most banking on the app, test the app at a branch before applying — it's surprisingly old.
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.
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