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Is it worth paying an annual fee on a credit card?

Taapsee Lad

Asked 13 May 2026

5

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
19
Hardik Soren·16 Mar 2026

On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.

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