Can I Keep My Existing Credit Cards After Becoming an NRI

Hey everyone,

I’m about to become an NRI and planning to open an NRE/NRO account while closing/converting my federal bank savings account. I currently hold the following credit cards and loan accounts:

Amazon Pay ICICI Credit Card – Using it for the last 4.5 years, upgraded twice automatically, now at ₹6.5L limit. This is my main card for all spending.

OneCard (Federal Bank) – Using for 2 years, upgraded once, now at ₹5.1L limit.

CRED Cash Line – ₹5L credit line at 17% interest p.a. (I know CRED is bad, but this might come in handy in a bad day).

Everything except APay-ICICI is mostly for backup.

My questions:

  1. Can I continue using these credit cards and loan accounts after becoming an NRI? Or will they get closed once my savings account is converted to NRE/NRO?

  2. is it possible to convert these into NRI-friendly credit cards?

  3. What are the best credit cards for NRIs that don’t require a fixed deposit (FD)? Most NRI cards seem to require FD-backed issuance, which I’m not interested in. Also LTF

Thanks