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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 spend around ₹2,00,000/month on fuel. Which credit card gives the highest fuel surcharge waiver or fuel rewards in 2026?
I already have a HSBC credit card. Can I apply for another card from the same bank? Will it affect my credit score?
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
I currently have a CIBIL score of 720. Which premium credit cards am I eligible for? I am okay with annual fees under ₹25,000.
I spend around ₹50,000/month on Amazon, Flipkart and Myntra. Which credit card offers the best flat cashback on online shopping?
I'm stuck between SBI Card ELITE and SBI BPCL Credit Card. Both seem good on paper. Which one is actually better for someone whose main spend is cashback on everyday spends?
I need to finance a purchase of ₹75,000. Should I convert the transaction to credit card EMI or take a personal loan? Which is actually cheaper after all charges?
Please recommend a credit card with annual fee under ₹40,000 that excels at lounge access. I prefer Visa/Mastercard over RuPay for wider acceptance.
I have been using my HSBC credit card for 18 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
Please recommend a credit card with annual fee under ₹25,000 that excels at cashback on everyday spends. I prefer Visa/Mastercard over RuPay for wider acceptance.
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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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