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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 cannot pay the full outstanding amount this month. What are the financial consequences if I pay only the minimum due on my Axis Bank credit card?
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
My HSBC 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 HDFC Bank credit card. What is the exact process to convert it into EMI? Are there any processing fees?
Banks say annual fee is waived if I spend ₹40,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
I spend around ₹1,00,000/month on Amazon, Flipkart and Myntra. Which credit card offers the best flat cashback on online shopping?
I already have a Citibank credit card. Can I apply for another card from the same bank? Will it affect my credit score?
I spend around ₹1,00,000/month on fuel. Which credit card gives the highest fuel surcharge waiver or fuel rewards in 2026?
Looking for a zero-annual-fee credit card that gives solid value on travel and flights. My spends are around ₹1,00,000/month.
I cannot pay the full outstanding amount this month. What are the financial consequences if I pay only the minimum due on my ICICI Bank credit card?
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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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