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Message: <blockquote data-quote="tharakaf" data-source="post: 26004957" data-attributes="member: 576197">You have to negotiate machan. It depends on your salary/workplace etc. I have had instances when they come and say that joining fee and first year fee waived off etc. Also when the card category changes the price changes.Another way of looking at this is are you OK to pay 4k every year for the ease introduced to your life by using CCs. It is not always about the value you can measure <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite1" alt=":-)" title="Smile    :-)" loading="lazy" data-shortname=":-)" />.</blockquote>

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