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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 want to close my Kotak Mahindra credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
I have never owned a credit card before. Salary is ₹75,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
Suggest a lifetime free credit card suitable for frequent travellers. I want good rewards on international travel without paying any joining or annual fee.
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹40,000?
I already have a American Express credit card. Can I apply for another card from the same bank? Will it affect my credit score?
I have been using my SBI Card credit card for 12 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
I need to finance a purchase of ₹60,000. Should I convert the transaction to credit card EMI or take a personal loan? Which is actually cheaper after all charges?
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 am 21, just started working with a ₹75,000/month salary. Which credit card is best to begin my credit journey with in 2026?
I lost my Kotak Mahindra credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
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