Verified 6 Aug
Community Q&A
Ask and answer credit card questions. Get community-driven advice.
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 a credit card that gives at least 4-8 free domestic lounge visits per year. Which card has the best lounge access benefits under ₹50,000 annual fee?
I see a transaction of ₹1,50,000 on my credit card statement that I never made. What is the exact dispute process and how long does the refund take?
I already have a American Express credit card. Can I apply for another card from the same bank? Will it affect my credit score?
Banks say annual fee is waived if I spend ₹40,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
I need to finance a purchase of ₹40,000. Should I convert the transaction to credit card EMI or take a personal loan? Which is actually cheaper after all charges?
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?
My ICICI Bank credit card was approved yesterday. How many days does it usually take to receive the physical card at my address?
I currently have a CIBIL score of 800. Which premium credit cards am I eligible for? I am okay with annual fees under ₹75,000.
Suggest a lifetime free credit card suitable for homemakers with their first card. I want good rewards on lounge access without paying any joining or annual fee.
I need a 3-month credit card statement for my Schengen visa application. How do I download it as a PDF from the American Express netbanking portal?
Top voted
The most-upvoted questions in the community.
I'm planning an international trip. What is the foreign currency markup charged on Axis Reserve Credit Card? Is there any way to get it lowe…
I'm planning an international trip. What is the foreign currency markup charged on AU LifeTime Free Credit Card? Is there any way to get it …
What are the actual welcome benefits (vouchers, points, lounge passes) on Apollo SBI Card SELECT? Are they guaranteed or conditional on spen…
Can't find what you're looking for?
Post your questionEditorial
Guide
Apply for the SBI Card MILIFE and earn 10X reward points on dining, movies, and groceries. Eligibility, benefits, and the application process.
Read guideGuide
Apply for the co-branded HDFC Marriott Credit Card and earn 5X points on Marriott, hotel, and dining spends. Eligibility and the application process.
Read guideGuide
Apply for the ultra-premium Axis Burgundy Private Credit Card with unlimited lounge access and dedicated relationship manager. Income thresholds and walkthrough.
Read guideGuide
Apply for the ICICI Jet Airways Credit Card and earn JPMiles on every spend. Income thresholds, eligibility, and the application process.
Read guideHow it works
Get started
Have a credit card question? Ask the community — answers are reviewed and accepted answers pin to the top.
Start a thread