Credit card annual fee waiver condition — how does it actually work?
Anoop Tanwar
Asked 15 Jun 2026
Banks say annual fee is waived if I spend ₹60,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
2 Answers
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
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