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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
Banks say annual fee is waived if I spend ₹2,00,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
I just made a big purchase on my SBI Card 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 ₹25,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
I am 21, just started working with a ₹2,00,000/month salary. Which credit card is best to begin my credit journey with in 2026?
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?
I already have a Standard Chartered credit card. Can I apply for another card from the same bank? Will it affect my credit score?
I have never owned a credit card before. Salary is ₹25,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
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 have been using my Kotak Mahindra credit card for 24 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
Suggest a lifetime free credit card suitable for salaried employees. I want good rewards on grocery shopping without paying any joining or annual fee.
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