Is it worth paying an annual fee on a credit card?
Yogesh Srinivasan
Asked 19 Mar 2026
-2
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹75,000?
1 Answer
Accepted
19
Pawan Verma·4 Jun 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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