Is it worth paying an annual fee on a credit card?
Niharika Saxena
Asked 22 May 2026
1
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹60,000?
2 Answers
5
Sudhir Vaidyan·21 Feb 2026
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.
2
Aradhya Sahoo·9 Jun 2026
The customer care experience matters more than people think. I've had two cards with similar rewards, and the one from the bank with better support saved me ₹18,000 when there was a merchant dispute. Don't underestimate this.
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