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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 ₹1,50,000 that excels at utility bill payments. I prefer Visa/Mastercard over RuPay for wider acceptance.
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 just made a big purchase on my Citibank credit card. What is the exact process to convert it into EMI? Are there any processing fees?
I spend around ₹1,50,000/month on fuel. Which credit card gives the highest fuel surcharge waiver or fuel rewards in 2026?
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?
Looking for a zero-annual-fee credit card that gives solid value on cashback on everyday spends. My spends are around ₹75,000/month.
Looking for a zero-annual-fee credit card that gives solid value on Amazon purchases. My spends are around ₹25,000/month.
I want to close my ICICI Bank credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
I just received my first Axis Bank credit card statement. Can someone explain the key sections — total amount due, minimum due, billing cycle, and grace period?
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?
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Guide
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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