Is it worth paying an annual fee on a credit card?
Vikram Acharya
Asked 19 May 2026
18
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹25,000?
1 Answer
Accepted
5
Nagarjuna Salunkhe·14 May 2026
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
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