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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 already have a RBL Bank credit card. Can I apply for another card from the same bank? Will it affect my credit score?
I am looking for a credit card mainly for hotel bookings. 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 want to close my HDFC Bank credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
I need to finance a purchase of ₹1,50,000. Should I convert the transaction to credit card EMI or take a personal loan? Which is actually cheaper after all charges?
I am 21, just started working with a ₹40,000/month salary. Which credit card is best to begin my credit journey with in 2026?
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 ₹60,000 annual fee?
Please recommend a credit card with annual fee under ₹75,000 that excels at hotel bookings. I prefer Visa/Mastercard over RuPay for wider acceptance.
I have been using my ICICI Bank credit card for 24 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
I have never owned a credit card before. Salary is ₹60,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
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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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