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Community Q&A
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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 ₹50,000 that excels at hotel bookings. I prefer Visa/Mastercard over RuPay for wider acceptance.
Suggest a lifetime free credit card suitable for IT professionals. I want good rewards on bill payments without paying any joining or 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?
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
I lost my Axis Bank credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
I lost my ICICI Bank credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
I need to finance a purchase of ₹2,00,000. Should I convert the transaction to credit card EMI or take a personal loan? Which is actually cheaper after all charges?
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹25,000?
I lost my American Express credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
I lost my Citibank credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
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The most-upvoted questions in the community.
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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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