✓ Independent — ₹0 issuer commissionno affiliate links, no Apply-Now buttons; terms verified against official sources 2026-07-18.How we calculate →
A fee is only “worth it” if the card still beats a good lifetime-free card after the fee is paid. Pick your card and spend level — we compare net annual value (after the fee) against the best free card, and check your fee-waiver progress. All figures from verified official terms.
Your ~₹3,60,000/yr spend clears the ₹2,00,000 fee-waiver, so the ₹500 fee is effectively ₹0. Net value ≈ ₹5,950/yr — worth keeping if you use it.
Net value is on a typical urban spend mix at each level, after caps and fees. Perks like lounge access and milestones can justify a fee beyond pure rewards — see the card page.