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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 ₹2,00,000 on my credit card statement that I never made. What is the exact dispute process and how long does the refund take?
Banks say annual fee is waived if I spend ₹1,50,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
Reviews of Axis Bank credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for students?
I have been using my HDFC Bank 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?
I am looking for a credit card mainly for Amazon purchases. My monthly income is around ₹1,00,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
Banks say annual fee is waived if I spend ₹1,00,000 in the previous year. Does the spend include EMI, wallet loads, and reversals? Please clarify with examples.
I lost my HDFC Bank credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
I need to finance a purchase of ₹1,50,000. Should I convert the transaction to credit card EMI or take a personal loan? Which is actually cheaper after all charges?
I need to finance a purchase of ₹25,000. Should I convert the transaction to credit card EMI or take a personal loan? Which is actually cheaper after all charges?
I lost my Citibank credit card. What is the fastest way to block it through the app or customer care to prevent misuse?
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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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