Is it worth paying an annual fee on a credit card?
Oviya Khanna
Asked 7 Jun 2026
23
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹60,000?
1 Answer
-1
Vanya Jha·21 Feb 2026
Don't blindly apply based on YouTube recommendations. Pull your latest CIBIL score first — most premium cards need 760+. If your score is in the 700-750 range, start with a lifetime free card and upgrade after 12-18 months of clean history.
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