Which is the best credit card in India for EMI purchases in 2026?
Vishaka Malhotra
Asked 20 Mar 2026
I am looking for a credit card mainly for bill payments. My monthly income is around ₹75,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
3 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.
Two cards from the same bank usually share credit limit, not stack it. So if bank gives you ₹2 lakh total, splitting between two cards doesn't increase your available credit. That's a common misconception people carry when applying for their second card.
Two cards from the same bank usually share credit limit, not stack it. So if bank gives you ₹2 lakh total, splitting between two cards doesn't increase your available credit. That's a common misconception people carry when applying for their second card.
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