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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
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹1,50,000?
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 have never owned a credit card before. Salary is ₹60,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
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 am travelling to Europe next month. Which Indian credit cards have zero or very low foreign currency markup fees?
I need a 3-month credit card statement for my Schengen visa application. How do I download it as a PDF from the SBI Card netbanking portal?
I want to close my HDFC Bank credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
I just received my first SBI Card credit card statement. Can someone explain the key sections — total amount due, minimum due, billing cycle, and grace period?
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 need a 3-month credit card statement for my Schengen visa application. How do I download it as a PDF from the HSBC netbanking portal?
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The most-upvoted questions in the community.
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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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