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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 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?
Suggest a lifetime free credit card suitable for first-time credit card users. I want good rewards on utility bill payments without paying any joining or annual fee.
I have been using my Citibank credit card for 6 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
I have never owned a credit card before. Salary is ₹75,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
I am looking for a credit card mainly for travel and flights. My monthly income is around ₹1,00,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
I have never owned a credit card before. Salary is ₹1,00,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
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 lost my Kotak Mahindra credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹25,000?
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?
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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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