Is it worth paying an annual fee on a credit card?
Gita Deshpande
Asked 12 Jun 2026
19
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹1,50,000?
1 Answer
Accepted
5
Udhaya Raval·18 May 2026
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
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