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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 spend around ₹1,50,000/month on Amazon, Flipkart and Myntra. Which credit card offers the best flat cashback on online shopping?
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 just received my first Standard Chartered credit card statement. Can someone explain the key sections — total amount due, minimum due, billing cycle, and grace period?
Banks say annual fee is waived if I spend ₹1,50,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
I need a 3-month credit card statement for my Schengen visa application. How do I download it as a PDF from the HSBC netbanking portal?
I spend around ₹50,000/month on fuel. Which credit card gives the highest fuel surcharge waiver or fuel rewards in 2026?
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 ₹40,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
I want to close my HSBC credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
I spend around ₹1,00,000/month on fuel. Which credit card gives the highest fuel surcharge waiver or fuel rewards in 2026?
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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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