Card Basics
72 posts tagged “Card Basics”.
Lifetime Free vs Paid Credit Card: Which Should You Choose?
13 October 2026
Lifetime free or paid credit card? Use a simple break-even formula, real examples from cards like SBI Cashback and Amazon Pay ICICI, and avoid the common traps.
Best Credit Cards Under ₹500 Annual Fee in India (2026)
13 October 2026
Best credit cards under ₹500 annual fee for 2026: Axis ACE, Flipkart Axis, Swiggy HDFC, SBI SimplyCLICK, IDFC Power+ and Amex SmartEarn, with caps and waivers.
Dynamic Currency Conversion Explained: Always Pay Local
11 October 2026
Dynamic currency conversion explained: why paying in rupees abroad costs more, a worked example, how to spot DCC at terminals and ATMs, and which cards help.
IDFC FIRST WOW! Black Review 2026: A Secured Travel Card
10 October 2026
IDFC FIRST WOW! Black review: an FD-secured card with 0% forex markup, up to 16.7% value-back on travel, lounge access, a ₹750 fee and who should get it.
Credit Card Annual Fee Waiver Thresholds by Bank (2026 List)
8 October 2026
Annual fee waiver spend thresholds for popular HDFC, SBI, Axis, ICICI, Kotak, Amex, Yes, AU and other cards in 2026, plus how to hit them without overspending.
How to Build Credit History From Scratch in India (2026 Guide)
6 October 2026
No CIBIL score yet? Here is how to build credit history from scratch in India using a secured card, low utilisation and on-time payments, with rupee examples.
Credit Card Utility and Education Transaction Fees Explained
6 October 2026
How credit card fees on utility bills and education payments work in India, when they apply, how GST adds to them, and practical ways to avoid or reduce them.
Can You Pay a Mutual Fund SIP with a Credit Card in India?
3 October 2026
Can you pay a mutual fund SIP with a credit card? Why AMCs and apps say no, the costly workarounds to avoid, and a smarter way to use your card for investing.
How to Check Credit Card Application Status Online in 2026
2 October 2026
Track your credit card application status online, by SMS or by phone. What each stage means, typical timelines, and what to do if it stalls or gets rejected.
Credit Card Autopay and E-Mandates: A Complete 2026 Guide
2 October 2026
How credit card autopay and e-mandates work in India: RBI rules, pre-debit alerts, setting up and cancelling mandates, and paying your card bill on autopay.
Credit Card Skimming at Petrol Pumps and ATMs: How to Stay Safe
30 September 2026
How card skimming works at petrol pumps and ATMs in India, the warning signs to look for, the card settings that limit damage, and what to do if your card is cloned.
Credit Card International Usage: How to Enable and Control It
29 September 2026
How to switch on international usage on your credit card, set online, ATM and contactless limits, and avoid declined payments, forex surprises and fraud abroad.
Credit Card Refund Timeline in India: How Long It Takes
27 September 2026
How long a credit card refund takes in India, from merchant returns to failed transactions, what RBI's rules say, and what to do when the money doesn't arrive.
Credit Card Chargeback for Flight Cancellation: India Guide
27 September 2026
How to get your money back with a credit card chargeback when an airline or travel portal cancels your flight and won't refund, with steps, timelines and pitfalls.
Best Credit Cards for ₹25,000 Salary in India (2026)
27 September 2026
Best credit cards for a ₹25,000 monthly salary in 2026: low-fee and lifetime-free picks you qualify for, with real reward maths and how to choose.
GST on Credit Card Fees and Charges Explained (2026)
26 September 2026
Which credit card charges attract 18% GST in India, from annual fees and interest to forex markup and late fees, with rupee examples and ways to pay less.
How to Get a Credit Card Without a Salary Slip in India (2026)
24 September 2026
No salary slip? You can still get a credit card in India through an FD-backed card, ITR-based approval, a bank relationship or an add-on. Here's how each works.
Credit Card Spends and Income Tax Notices: Limits to Know (2026)
24 September 2026
Banks report high-value credit card payments to the tax department. See the ₹1 lakh cash and ₹10 lakh limits, what triggers a notice, and how to stay safe.
Credit Card Application Rejected? What to Do Next (2026 Guide)
24 September 2026
Credit card application rejected? See why banks decline, how to check your CIBIL report, how long to wait, and how to get approved on your next try.
Best Credit Cards for ₹50,000 Salary in India (2026)
24 September 2026
Earning ₹50,000 a month? These are the best credit cards you can qualify for in 2026, with fees, cashback rates, lounge access and worked savings maths.