Which is the best credit card in India for utility bill payments in 2026?
Akash Swain
Asked 2 Mar 2026
15
I am looking for a credit card mainly for Flipkart shopping. My monthly income is around ₹25,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
1 Answer
Accepted
20
Kumudini Jain·10 Mar 2026
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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