Is it worth paying an annual fee on a credit card?
Dev Gopal
Asked 12 Apr 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 ₹60,000?
1 Answer
Accepted
17
Bala Jain·22 Feb 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.
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