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India's credit card community, sorted by what actually helps. Browse top-voted questions, ask your own, or answer someone who's stuck on the same credit card decision you once faced. The list below is ranked by net upvotes, filtered by category, and refreshed as the conversation evolves.
Top-voted questions the community found most useful.Updated daily
I currently have a CIBIL score of 780. Which premium credit cards am I eligible for? I am okay with annual fees under ₹50,000.
I want a credit card that gives at least 4-8 free domestic lounge visits per year. Which card has the best lounge access benefits under ₹75,000 annual fee?
I am travelling to Europe next month. Which Indian credit cards have zero or very low foreign currency markup fees?
My ICICI Bank credit card was approved yesterday. How many days does it usually take to receive the physical card at my address?
I just made a big purchase on my Axis Bank credit card. What is the exact process to convert it into EMI? Are there any processing fees?
I am looking for a credit card mainly for travel and flights. My monthly income is around ₹1,00,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
I plan to apply for 3 credit cards in 2 months to maximise rewards. Will this hurt my credit score and my future loan eligibility?
Please recommend a credit card with annual fee under ₹60,000 that excels at utility bill payments. I prefer Visa/Mastercard over RuPay for wider acceptance.
I cannot pay the full outstanding amount this month. What are the financial consequences if I pay only the minimum due on my American Express credit card?
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
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The most-upvoted questions in the community.
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Apply for the SBI Card MILIFE and earn 10X reward points on dining, movies, and groceries. Eligibility, benefits, and the application process.
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Apply for the co-branded HDFC Marriott Credit Card and earn 5X points on Marriott, hotel, and dining spends. Eligibility and the application process.
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Apply for the ultra-premium Axis Burgundy Private Credit Card with unlimited lounge access and dedicated relationship manager. Income thresholds and walkthrough.
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Apply for the ICICI Jet Airways Credit Card and earn JPMiles on every spend. Income thresholds, eligibility, and the application process.
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