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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 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 am looking for a credit card mainly for EMI 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?
Please recommend a credit card with annual fee under ₹75,000 that excels at movie tickets. I prefer Visa/Mastercard over RuPay for wider acceptance.
I need a 3-month credit card statement for my Schengen visa application. How do I download it as a PDF from the Axis Bank netbanking portal?
I want to issue an add-on card to my spouse on my primary credit card. What are the charges, benefits, and the best primary card for add-ons?
I already have a Standard Chartered credit card. Can I apply for another card from the same bank? Will it affect my credit score?
I have been using my Axis 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 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?
Reviews of SBI Card credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for frequent travellers?
Most premium cards charge ₹5,000+ as annual fee. Are the rewards and lounge benefits worth it for someone whose monthly spend is around ₹2,00,000?
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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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