Which is the best credit card in India for fuel in 2026?
Muthulakshmi Bhowmick
Asked 28 May 2026
I am looking for a credit card mainly for international travel. My monthly income is around ₹2,00,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
3 Answers
Credit score impact: each hard inquiry (which happens on card application) drops your score by 5-15 points temporarily. Applying for 3 cards in 2 months is fine IF you get all 3 approved. If 2 get rejected, you've taken a hit with nothing to show for it. Apply smart, not fast.
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.
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.
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