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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 Citibank credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
I cannot pay the full outstanding amount this month. What are the financial consequences if I pay only the minimum due on my SBI Card credit card?
I am 21, just started working with a ₹2,00,000/month salary. Which credit card is best to begin my credit journey with in 2026?
I spend around ₹1,50,000/month on fuel. Which credit card gives the highest fuel surcharge waiver or fuel rewards in 2026?
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 have been using my Kotak Mahindra credit card for 18 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
I lost my American Express credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
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 ₹60,000 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?
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