Which is the best credit card in India for bill payments in 2026?
Sneha Laloo
Asked 11 Apr 2026
I am looking for a credit card mainly for online shopping. My monthly income is around ₹1,00,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
2 Answers
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.
The customer care experience matters more than people think. I've had two cards with similar rewards, and the one from the bank with better support saved me ₹18,000 when there was a merchant dispute. Don't underestimate this.
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