Verified 6 Aug
Community Q&A
Ask and answer credit card questions. Get community-driven advice.
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
Reviews of HDFC Bank credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for senior citizens?
Reviews of RBL Bank credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for IT professionals?
I travel abroad twice a year. Which Indian credit cards have the lowest foreign currency markup fee for international transactions?
I see a transaction of ₹1,50,000 on my credit card statement that I never made. What is the exact dispute process and how long does the refund take?
Reviews of ICICI Bank credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for small business owners?
Reviews of HSBC credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for freelancers?
I have been using my Standard Chartered credit card for 6 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
I want to issue an add-on card to my spouse on my primary credit card. What are the charges, benefits, and the best primary card for add-ons?
I have been using my American Express credit card for 12 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
I am 21, just started working with a ₹60,000/month salary. Which credit card is best to begin my credit journey with in 2026?
Top voted
The most-upvoted questions in the community.
I'm planning an international trip. What is the foreign currency markup charged on Axis Reserve Credit Card? Is there any way to get it lowe…
I'm planning an international trip. What is the foreign currency markup charged on AU LifeTime Free Credit Card? Is there any way to get it …
What are the actual welcome benefits (vouchers, points, lounge passes) on Apollo SBI Card SELECT? Are they guaranteed or conditional on spen…
Can't find what you're looking for?
Post your questionEditorial
Guide
Apply for the SBI Card MILIFE and earn 10X reward points on dining, movies, and groceries. Eligibility, benefits, and the application process.
Read guideGuide
Apply for the co-branded HDFC Marriott Credit Card and earn 5X points on Marriott, hotel, and dining spends. Eligibility and the application process.
Read guideGuide
Apply for the ultra-premium Axis Burgundy Private Credit Card with unlimited lounge access and dedicated relationship manager. Income thresholds and walkthrough.
Read guideGuide
Apply for the ICICI Jet Airways Credit Card and earn JPMiles on every spend. Income thresholds, eligibility, and the application process.
Read guideHow it works
Get started
Have a credit card question? Ask the community — answers are reviewed and accepted answers pin to the top.
Start a thread