Which is the best credit card in India for utility bill payments in 2026?
Rohit Parmar
Asked 11 Mar 2026
I am looking for a credit card mainly for dining and restaurants. My monthly income is around ₹75,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
2 Answers
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
Yes the rewards sound amazing in marketing, but the redemption catalogue is full of products at inflated MRP. The statement credit redemption is almost always the best value. Skip the merchandise, skip the flight bookings, take the cash.
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