Best credit card for online shopping with no annual fee
Meena Jindal
Asked 12 Jun 2026
Looking for a zero-annual-fee credit card that gives solid value on lounge access. My spends are around ₹50,000/month.
2 Answers
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
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.
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