Best credit card for utility bill payments under ₹60,000 annual fee
Tovino Tiwari
Asked 11 Jun 2026
Please recommend a credit card with annual fee under ₹50,000 that excels at hotel bookings. I prefer Visa/Mastercard over RuPay for wider acceptance.
2 Answers
The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.
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.
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