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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 have accumulated around 5,000 reward points on my Standard Chartered credit card. What is the redemption value in rupees and the best way to use them?
I travel abroad twice a year. Which Indian credit cards have the lowest foreign currency markup fee for international transactions?
I want to close my Standard Chartered credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
I am looking for a credit card mainly for EMI purchases. My monthly income is around ₹75,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
I spend around ₹25,000/month on Amazon, Flipkart and Myntra. Which credit card offers the best flat cashback on online shopping?
I currently have a CIBIL score of 720. Which premium credit cards am I eligible for? I am okay with annual fees under ₹1,00,000.
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹1,00,000?
I currently have a CIBIL score of 720. Which premium credit cards am I eligible for? I am okay with annual fees under ₹40,000.
Please recommend a credit card with annual fee under ₹75,000 that excels at international travel. I prefer Visa/Mastercard over RuPay for wider acceptance.
I need to finance a purchase of ₹40,000. Should I convert the transaction to credit card EMI or take a personal loan? Which is actually cheaper after all charges?
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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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