Credit Cards
Credit Card Annual Fee
Yearly charge for holding the card; waivers often apply.
Annual fees range from ₹0 (lifetime-free) to ₹4,999+ on lifestyle flagships. Many cards waive the fee above a spend threshold — compute your natural spend against the waiver before paying. Joining fees are the one-time first-year analogue.
Example
A ₹2,500 card waived above ₹3L annual spend costs ₹0 if you spend ₹30k/month anyway.