Credit card annual fee waiver condition — how does it actually work?
Durga Gohil
Asked 19 Feb 2026
1
Banks say annual fee is waived if I spend ₹1,00,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
1 Answer
14
Nidhi Muthuswamy·20 Mar 2026
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.
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