Is it worth paying an annual fee on a credit card?
Nitin Khan
Asked 27 May 2026
13
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹25,000?
1 Answer
9
Tiya Gavali·2 Mar 2026
I've been a customer for 6 years. The biggest upside is the customer service. The biggest downside is the slow mobile app. If you do most banking on the app, test the app at a branch before applying — it's surprisingly old.
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