Is it worth paying an annual fee on a credit card?
Nandini Chandel
Asked 22 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
-1
Mohit Mohanty·27 Mar 2026
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
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