What is Joining and annual fee?
One-time and yearly charges, plus 18% GST.
Short answer
"First year free" offers that start charging from year two.
Joining and annual fee when buying a credit card (india)
One-time and yearly charges, plus 18% GST.
Why it matters: A ₹2,500 (≈$30) fee is really ₹2,950 (≈$35); your rewards must beat that to be worth it.
Look for: "First year free" offers that start charging from year two.
Full Credit Card (India) buying guide