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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
Please recommend a credit card with annual fee under ₹40,000 that excels at EMI purchases. I prefer Visa/Mastercard over RuPay for wider acceptance.
I currently have a CIBIL score of 800. Which premium credit cards am I eligible for? I am okay with annual fees under ₹25,000.
I have accumulated around 20,000 reward points on my Citibank credit card. What is the redemption value in rupees and the best way to use them?
Reviews of HSBC credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for small business owners?
Banks say annual fee is waived if I spend ₹1,00,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
Looking for a zero-annual-fee credit card that gives solid value on movie tickets. My spends are around ₹40,000/month.
I have never owned a credit card before. Salary is ₹1,00,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
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 spend around ₹60,000/month on fuel. Which credit card gives the highest fuel surcharge waiver or fuel rewards in 2026?
I travel abroad twice a year. Which Indian credit cards have the lowest foreign currency markup fee for international transactions?
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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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