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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
Please recommend a credit card with annual fee under ₹2,00,000 that excels at bill payments. I prefer Visa/Mastercard over RuPay for wider acceptance.
I want to close my Kotak Mahindra credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
I see a transaction of ₹25,000 on my credit card statement that I never made. What is the exact dispute process and how long does the refund take?
I am 21, just started working with a ₹60,000/month salary. Which credit card is best to begin my credit journey with in 2026?
I spend around ₹50,000/month on fuel. Which credit card gives the highest fuel surcharge waiver or fuel rewards in 2026?
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
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?
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?
I currently have a CIBIL score of 750. Which premium credit cards am I eligible for? I am okay with annual fees under ₹40,000.
I am 21, just started working with a ₹25,000/month salary. Which credit card is best to begin my credit journey with in 2026?
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