Strategy
23 posts tagged “Strategy”.
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.
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 Settlement and CIBIL: What It Does to Your Score
6 October 2026
How a credit card settlement hits your CIBIL score, how long the 'Settled' tag lasts, how to get it changed to 'Closed', and better options before you settle.
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.
How to Get Out of Credit Card Debt in India: A Practical Plan
28 September 2026
How to get out of credit card debt in India: stop the interest, pick avalanche or snowball, use a loan, balance transfer or EMI, and avoid settlement traps.
Best Credit Cards for Dhanteras 2026: Gold, Jewellery and More
26 September 2026
Best credit cards for Dhanteras 2026 shopping: up to 5% back at Tanishq and CaratLane, NeuCoins on Tata brands, 5% on Flipkart and Amazon, and gold-buying tips.
Best Credit Cards for Couples in India 2026: Share and Save
26 September 2026
The best credit cards for couples in India: add-on cards with shared lounge access, 10% back on dining and groceries, BOGO movies and smart ways to split cards.
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.
Turn Credit Card Rewards Into a SIP: A Practical Guide
12 September 2026
Cashback and reward points are small money, but invested monthly they add up. How to route card rewards into a SIP, and how to pick and test a fund on WealthTicker.
Festive Sale Credit Card Offers: Read This Fine Print First
3 September 2026
Festive card offers promise 10% off or 5X rewards, but caps, exclusions and returns can shrink the savings. What to check before you buy.
Multiple Credit Cards in India: A Wallet Strategy Framework
20 August 2026
There's no universal right number of credit cards to hold. Here's a framework for deciding based on how you actually spend, not what influencers recommend.
Is Credit Card Churning Worth It in India
10 August 2026
Card churning — opening cards for signup bonuses and closing them later — is common in the US but works differently in India. Here's what actually applies here.
Should You Downgrade or Cancel an Expensive Credit Card
6 July 2026
When a premium card's annual fee stops being worth it, downgrading and canceling have very different effects on your credit history and reward balance.
Budgeting With a Credit Card: The 50/30/20 Rule in Practice
18 June 2026
A credit card can wreck a budget or run it. How to apply the 50/30/20 rule with a card, set a spending cap, and never carry a balance.
Reward Points vs Cashback: Which Credit Card Is Better?
14 April 2026
Cashback is simple; reward points can be worth more or far less. How to compare them in rupees, and which suits your spending and your patience.