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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
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 already have a SBI Card credit card. Can I apply for another card from the same bank? Will it affect my credit score?
I lost my HSBC credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
Suggest a lifetime free credit card suitable for students. I want good rewards on dining and restaurants without paying any joining or annual fee.
I just received my first HDFC Bank credit card statement. Can someone explain the key sections — total amount due, minimum due, billing cycle, and grace period?
I have been using my HDFC Bank credit card for 24 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
I lost my Kotak Mahindra credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
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 am looking for a credit card mainly for bill payments. My monthly income is around ₹60,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
Suggest a lifetime free credit card suitable for first-time credit card users. I want good rewards on EMI purchases without paying any joining or annual fee.
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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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