Best credit card for travel and flights under ₹40,000 annual fee
Asha Choksi
Asked 16 Apr 2026
Please recommend a credit card with annual fee under ₹40,000 that excels at Amazon purchases. I prefer Visa/Mastercard over RuPay for wider acceptance.
2 Answers
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
Yes the rewards sound amazing in marketing, but the redemption catalogue is full of products at inflated MRP. The statement credit redemption is almost always the best value. Skip the merchandise, skip the flight bookings, take the cash.
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