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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
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 ₹1,00,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
I have never owned a credit card before. Salary is ₹1,00,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
I have never owned a credit card before. Salary is ₹2,00,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
I lost my ICICI Bank credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
I just made a big purchase on my Kotak Mahindra credit card. What is the exact process to convert it into EMI? Are there any processing fees?
I want to close my SBI Card 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 ICICI Bank credit card?
Looking for a zero-annual-fee credit card that gives solid value on Flipkart shopping. My spends are around ₹40,000/month.
Banks say annual fee is waived if I spend ₹2,00,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
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Guide
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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