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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 720. Which premium credit cards am I eligible for? I am okay with annual fees under ₹25,000.
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
Banks say annual fee is waived if I spend ₹50,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
I need a 3-month credit card statement for my Schengen visa application. How do I download it as a PDF from the American Express netbanking portal?
I spend around ₹1,00,000/month on fuel. Which credit card gives the highest fuel surcharge waiver or fuel rewards in 2026?
I have accumulated around 20,000 reward points on my Standard Chartered credit card. What is the redemption value in rupees and the best way to use them?
I lost my HDFC Bank credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
Banks say annual fee is waived if I spend ₹1,50,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
I see a transaction of ₹1,00,000 on my credit card statement that I never made. What is the exact dispute process and how long does the refund take?
I already have a Kotak Mahindra credit card. Can I apply for another card from the same bank? Will it affect my credit 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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