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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 been using my American Express credit card for 12 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
Looking for a zero-annual-fee credit card that gives solid value on Amazon purchases. My spends are around ₹50,000/month.
Looking for a zero-annual-fee credit card that gives solid value on cashback on everyday spends. My spends are around ₹1,00,000/month.
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 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 HSBC credit card?
I want to close my HSBC credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
My Kotak Mahindra credit card was approved yesterday. How many days does it usually take to receive the physical card at my address?
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
I want a credit card that gives at least 4-8 free domestic lounge visits per year. Which card has the best lounge access benefits under ₹1,00,000 annual fee?
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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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