Best credit card for online shopping under ₹50,000 annual fee
Radha Biswas
Asked 13 Mar 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.
2 Answers
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.
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.
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