Which is the best credit card in India for international travel in 2026?
Lalitha Kumar
Asked 11 Mar 2026
I am looking for a credit card mainly for EMI purchases. My monthly income is around ₹25,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
2 Answers
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
I've owned 4 cards over the last 7 years. The biggest lesson: a card that fits your spend pattern beats the 'most rewarding' card on paper. A 5% cashback card you actually use daily will give you 10x more value than a 10% card you use once a month.
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