Verified 6 Aug
Ajay Karanam
Asked 27 May 2026
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.
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I travel abroad twice a year. Which Indian credit cards have the lowest foreign currency markup fee for international transactions?
