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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
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
I am 21, just started working with a ₹1,00,000/month salary. Which credit card is best to begin my credit journey with in 2026?
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 ₹75,000 annual fee?
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 currently have a CIBIL score of 750. Which premium credit cards am I eligible for? I am okay with annual fees under ₹75,000.
I already have a Axis Bank credit card. Can I apply for another card from the same bank? Will it affect my credit score?
I already have a HSBC credit card. Can I apply for another card from the same bank? Will it affect my credit score?
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
I have accumulated around 2,000 reward points on my HDFC Bank credit card. What is the redemption value in rupees and the best way to use them?
I currently have a CIBIL score of 780. Which premium credit cards am I eligible for? I am okay with annual fees under ₹1,50,000.
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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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