Is it worth paying an annual fee on a credit card?
Vinesh Acharjee
Asked 3 Mar 2026
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹75,000?
2 Answers
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
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