Best credit card for utility bill payments under ₹1,00,000 annual fee
Siddharth Chauhan
Asked 14 Jun 2026
Please recommend a credit card with annual fee under ₹75,000 that excels at Flipkart shopping. I prefer Visa/Mastercard over RuPay for wider acceptance.
2 Answers
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
Your Answer
Sign in to post your answer and help the community.
Sign in to postWhy sign in? We moderate Q&A to keep it spam-free.