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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 am looking for a credit card mainly for international travel. My monthly income is around ₹60,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
Reviews of RBL Bank credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for IT professionals?
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹2,00,000?
I currently have a CIBIL score of 800. Which premium credit cards am I eligible for? I am okay with annual fees under ₹2,00,000.
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹75,000?
Banks say annual fee is waived if I spend ₹75,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
I just made a big purchase on my ICICI Bank credit card. What is the exact process to convert it into EMI? Are there any processing fees?
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 ₹1,00,000 annual fee?
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?
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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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