Verified 6 Aug
Pallavi Tundup
Asked 23 May 2026
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
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Banks say annual fee is waived if I spend ₹2,00,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
