Verified 8 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?
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹1,50,000?
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 ₹60,000 annual fee?
I spend around ₹40,000/month on fuel. Which credit card gives the highest fuel surcharge waiver or fuel rewards in 2026?
I just made a big purchase on my Standard Chartered credit card. What is the exact process to convert it into EMI? Are there any processing fees?
Reviews of HSBC credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for first-time credit card users?
Banks say annual fee is waived if I spend ₹60,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
I want to close my RBL Bank credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
Banks say annual fee is waived if I spend ₹25,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹1,50,000?
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