Verified 6 Aug
Community Q&A
Ask and answer credit card questions. Get community-driven advice.
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
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
I need a 3-month credit card statement for my Schengen visa application. How do I download it as a PDF from the RBL Bank netbanking portal?
I spend around ₹2,00,000/month on Amazon, Flipkart and Myntra. Which credit card offers the best flat cashback on online shopping?
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?
I am looking for a credit card mainly for movie tickets. My monthly income is around ₹25,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
Reviews of Kotak Mahindra credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for first-time credit card users?
I have accumulated around 20,000 reward points on my Kotak Mahindra credit card. What is the redemption value in rupees and the best way to use them?
Please recommend a credit card with annual fee under ₹75,000 that excels at utility bill payments. I prefer Visa/Mastercard over RuPay for wider acceptance.
I already have a Axis Bank credit card. Can I apply for another card from the same bank? Will it affect my credit score?
I have accumulated a few thousand reward points on my OneCard Metal Credit Card. What is the actual rupee value when redeemed against statement, and is it better to redeem for flights or merchandise?
Top voted
The most-upvoted questions in the community.
I'm planning an international trip. What is the foreign currency markup charged on Axis Reserve Credit Card? Is there any way to get it lowe…
I'm planning an international trip. What is the foreign currency markup charged on AU LifeTime Free Credit Card? Is there any way to get it …
What are the actual welcome benefits (vouchers, points, lounge passes) on Apollo SBI Card SELECT? Are they guaranteed or conditional on spen…
Can't find what you're looking for?
Post your questionEditorial
Guide
Apply for the SBI Card MILIFE and earn 10X reward points on dining, movies, and groceries. Eligibility, benefits, and the application process.
Read guideGuide
Apply for the co-branded HDFC Marriott Credit Card and earn 5X points on Marriott, hotel, and dining spends. Eligibility and the application process.
Read guideGuide
Apply for the ultra-premium Axis Burgundy Private Credit Card with unlimited lounge access and dedicated relationship manager. Income thresholds and walkthrough.
Read guideGuide
Apply for the ICICI Jet Airways Credit Card and earn JPMiles on every spend. Income thresholds, eligibility, and the application process.
Read guideHow it works
Get started
Have a credit card question? Ask the community — answers are reviewed and accepted answers pin to the top.
Start a thread