Last updated: 21 August 2026
What Is It?
Har saal lagne wali fee (₹99-₹66,000) — "Annual Fee". Full guide.
Waiver via Spends
| Card | Condition |
|---|---|
| HDFC Regalia | ₹2L spends |
| Axis Flipkart | ₹2L spends |
| Amex MRCC | ₹1.5L spends |
Negotiate
"Waive the fee or I'll close the card" — retention teams often agree.
Frequently Asked Questions
Q: Waive every year?
A: Haan — spends ya negotiation se.
Q: Don't pay renewal fee?
A: Fee statement me + interest. Close karna ho to clear balance.
Convert your statement — free!
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