Which is the best credit card in India for grocery shopping in 2026?
Rohit Thakur
Asked 21 May 2026
I am looking for a credit card mainly for bill payments. My monthly income is around ₹60,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
2 Answers
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
Short answer: no, EMI on credit card is not cheaper than a personal loan for large amounts (>₹50,000). The processing fee (~₹199-₹599) plus the interest (~14-16% reducing) usually adds up to slightly more than a personal loan rate of 11-13%. But for small-ticket EMI (₹10-20K), it is fine.
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