Card Basics
72 posts tagged “Card Basics”.
How the Credit Card Interest-Free Period Actually Works
26 May 2026
A deep look at how the interest-free/grace period really works — how partial payments kill it, how EMI conversion interacts with it, and the misunderstandings that cost people money.
Quarterly Spend Triggers: Are Your Credit Card Lounge Perks Still Free?
19 May 2026
A practical checklist for figuring out whether your card's lounge access is genuinely free or quietly gated behind a quarterly spend trigger you.
Best Credit Cards for Indian Students Going Abroad to Study
15 May 2026
Forex costs, add-on cards, building a credit history from scratch, and which low or no annual fee cards actually work for students moving abroad.
Credit Card Cashback vs Fixed Deposit Returns: What's the Real Comparison?
12 May 2026
Cashback isn't an investment return like an FD's interest — here's the numbers-literate comparison of what each actually gives you.
Credit Card Auto-Debit Failure: What It Actually Costs You
12 May 2026
What happens when a standing instruction or auto-debit on your credit card fails, the e-mandate rules behind it, and how to stop it happening again.
UPI Lite vs Credit Card on UPI: Which Should You Use for What
4 May 2026
UPI Lite's small offline-capable payments versus paying with a RuPay credit card on UPI — how they differ and when each actually makes sense.
Is Credit Card Cashback Taxable in India?
4 May 2026
How cashback and reward points are generally treated for income tax purposes in India, and where the nuance actually sits. Not a substitute for CA advice.
Tap to Pay Explained: How NFC Credit Card Payments Work in India
27 April 2026
How contactless NFC tap-to-pay works on Indian credit cards, the transaction limits that apply, and whether it's actually safe to leave enabled.
New 2FA Security Rules: How Online Credit Card Payments Are Changing
22 April 2026
Two-factor authentication on card payments keeps tightening in India — here's what's changed for OTPs, device binding, and checkout flows.
Should You Pay Your Car Down Payment With a Credit Card?
20 April 2026
Using a credit card for a car down payment — whether dealers accept it, EMI conversion, surcharges, reward potential, and the over-leveraging risk.
Credit Card Minimum Salary Requirements in India: Entry to Premium
6 April 2026
What minimum income banks expect for entry-level, mid-tier, and premium credit cards in India, and what self-employed applicants can show instead of salary slips.
Instant Credit Card Approval Apps in India: What 'Instant' Actually Means
31 March 2026
A close look at apps and platforms promising instant credit card approval in India — what's genuinely instant, what still needs manual checks, and how to avoid rejection.
How to File an RBI Ombudsman Complaint Against Your Credit Card Issuer
28 March 2026
The correct escalation path when your bank won't resolve a credit card dispute — grievance officer, nodal officer, then the RBI Integrated Ombudsman Scheme.
How to Actually File a Credit Card Purchase Protection Claim
27 March 2026
A step-by-step guide to filing a purchase protection claim on your credit card — documents needed, timelines, and why most claims get rejected.
Credit Card PIN vs OTP: When Each One Is Actually Required
27 March 2026
PIN, OTP, or nothing at all — which authentication a credit card transaction needs depends entirely on the channel, not the amount alone.
RBI Card Tokenisation Rules Explained: What Happens to Your Saved Cards
20 March 2026
RBI's tokenisation mandate bans merchants from storing raw card numbers. Here's how it actually changes saved cards, autopay, and checkout.
Credit Card Due Date vs Billing Date: Why the Difference Matters
2 March 2026
Confusing your billing date with your payment due date is one of the most common ways people accidentally trigger late fees and interest.
Credit Card Statement Cycle Explained: Dates That Actually Matter
1 March 2026
The statement date, due date, and billing cycle length interact in ways that affect both your interest-free period and your reported credit utilization.
Credit Cards for Gig Economy Workers in India
26 February 2026
Delivery partners, drivers, and platform-based gig workers face unique income verification hurdles when applying for a credit card.
Getting a Credit Card as a Returning NRI in India
25 February 2026
NRIs moving back to India face a specific credit gap — no Indian credit history despite years of financial responsibility abroad.