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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 want to close my Kotak Mahindra credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
I have never owned a credit card before. Salary is ₹2,00,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
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?
I am looking for a credit card mainly for utility bill payments. My monthly income is around ₹25,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
My Citibank credit card was approved yesterday. How many days does it usually take to receive the physical card at my address?
I lost my HSBC credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
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 see a transaction of ₹50,000 on my credit card statement that I never made. What is the exact dispute process and how long does the refund take?
I'm planning an international trip. What is the foreign currency markup charged on HDFC Bank MoneyBack Credit Card? Is there any way to get it lower?
I am 21, just started working with a ₹40,000/month salary. Which credit card is best to begin my credit journey with in 2026?
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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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