QUERY REGARDING CREDIT CARD FEE WAIVER

125°
Deal Subedar
JaiKrish1031

I need to spend 1L for second year fee waiver.

How do they calculate the spends?
Is it based on financial year or Annual year or is it calculated based on the card issued date.

Any way to identify whether I have reached my spend limit or not?

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Deal Subedar Deal Subedar
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Card issued month. No way to track annual spend

Manually add and check

Deal Subedar Deal Subedar
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It’s based on card issue date.
If you don’t remember your card issue date then call your credit card customer care and ask them the same.
Once you know the date then open your credit card statements after that date and add the total spends.

Helpful Helpful
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Why us to calculate? We can directly ask the cc to tell the total spends from the card issue date in this year.

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Pro Entertainer Pro Entertainer
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@jaikrish1031

Which bank card?
It is counted from card issued month and so on
You can contact support team to ask about spends left to achieve

Deal Subedar Deal Subedar
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I have HDFC CLUBMILES which was upgraded from HDFC DINERS. In this case do they consider the latest card issued date?

Deal Subedar Deal Subedar
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As per ICICI website:
Joining Privileges
Fees
You pay a joining fee of Rs. 500 + GST
You pay an annual fee of Rs. 500 + GST from 2nd year onwards – waived off if you spend more than Rs. 1,50,000 in the previous year.

But today I got the first year fee reversed since i spent more than 125K.

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Does first year fee reversed if we achieve spends target in amex or any other CC?

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