Is it worth paying an annual fee on a credit card?
Tara Agrawal
Asked 22 Apr 2026
27
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹50,000?
2 Answers
22
Rani Kharat·9 Apr 2026
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.
4
Anoop Sangtam·28 Feb 2026
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
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