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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
Looking for a zero-annual-fee credit card that gives solid value on bill payments. My spends are around ₹2,00,000/month.
What is the minimum net monthly salary the bank asks for to approve SBI Unnati Credit Card? I earn ₹60,000 — will I be eligible?
I am 21, just started working with a ₹50,000/month salary. Which credit card is best to begin my credit journey with in 2026?
I spend around ₹25,000/month on Amazon, Flipkart and Myntra. Which credit card offers the best flat cashback on online shopping?
Suggest a lifetime free credit card suitable for frequent travellers. I want good rewards on lounge access without paying any joining or annual fee.
I have been using my Kotak Mahindra credit card for 18 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
I cannot pay the full outstanding amount this month. What are the financial consequences if I pay only the minimum due on my Kotak Mahindra credit card?
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.
I am travelling to Europe next month. Which Indian credit cards have zero or very low foreign currency markup fees?
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?
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