Is it worth paying an annual fee on a credit card?
Mahi Ahuja
Asked 1 Mar 2026
20
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹2,00,000?
1 Answer
21
Sudeep Ghosh·10 May 2026
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
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