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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 want to close my Citibank credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹1,50,000?
I am 21, just started working with a ₹1,50,000/month salary. Which credit card is best to begin my credit journey with in 2026?
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?
I just made a big purchase on my SBI Card credit card. What is the exact process to convert it into EMI? Are there any processing fees?
I am 21, just started working with a ₹75,000/month salary. Which credit card is best to begin my credit journey with in 2026?
My HDFC Bank credit card was approved yesterday. How many days does it usually take to receive the physical card at my address?
I just made a big purchase on my SBI Card credit card. What is the exact process to convert it into EMI? Are there any processing fees?
Reviews of Axis Bank credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for homemakers with their first card?
Suggest a lifetime free credit card suitable for doctors. I want good rewards on dining and restaurants without paying any joining or annual fee.
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What are the actual welcome benefits (vouchers, points, lounge passes) on Apollo SBI Card SELECT? Are they guaranteed or conditional on spen…
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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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