Is it worth paying an annual fee on a credit card?
Mahesh Awasthi
Asked 26 Mar 2026
23
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹1,00,000?
1 Answer
0
Sneha Ramaswamy·5 May 2026
Forex markup comparison: Amex = 3.5%, HDFC Infinia/Diners Black = 2.0%, Axis Atlas = 3.5% but with milestone fee waivers, ICICI Emeralde = 3.5%, Standard Chartered = 3.5%. If you travel more than twice a year, the math favours Infinia or Diners Black.
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