New Delhi, April 16 -- Many benefits, features, and charges are often packaged with credit cards. The annual fee is an average cost cardholders pay each year to use their card. Though some shoppers may be unwilling to spend the fee, one should consider if the benefits these cards offer are worth the cost.

Annual fee is an annual charge that is imposed by credit card companies on the users of certain cards, particularly those which carry premium bonuses, incentives, or special perks. Depending on the provision of the card, these fees range from a few hundred to hundreds of dollars.

You'll need to consider the card's benefits and determine for yourself, based on your purchasing habits and money goals, if the annual fee is worth it.

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