Blog
News, explainers, and practical tips on credit cards in India.
HDFC Millennia Credit Card Review: Is It Worth It?
21 February 2026
HDFC Millennia targets online shopping and popular e-commerce platforms with accelerated cashback — here's whether that focus actually pays off.
Forex Cards vs Credit Cards: Which Should You Use While Traveling
21 February 2026
Prepaid forex cards and credit cards both work abroad, but the fee structure, exchange rate, and protections differ enough to matter.
Which Credit Cards Don't Give Rewards on UPI Payments?
21 February 2026
Most premium credit cards exclude UPI transactions from reward earning entirely — here's why, and how to check if your card is one of them.
Credit Card Rewards Are Getting Worse in 2026: What Changed?
21 February 2026
Reward rates on Indian credit cards keep shrinking every year — here's the structural reason why, and how to check if your card lost value.
Credit Card APR Explained: What the Number on Your Card Actually Means
21 February 2026
APR is the headline interest number every card advertises, but what it includes and how it's applied differs enough between cards to matter.
Minimum Age and Eligibility Rules for Credit Cards in India
20 February 2026
Age, income, and document requirements for getting a first credit card in India — including options for those under 21 and without independent income.
CIBIL Score vs CIBIL Report: What's Actually the Difference
20 February 2026
The three-digit score and the full report are not the same thing, and relying on only one gives you an incomplete picture of your credit health.
How to Stack Credit Cards for Maximum Cashback in India
19 February 2026
One cashback card caps out fast. Here's how to combine two or three cards by category to actually maximize what you earn back.
Credit Card Interest Explained: A Worked Daily-Balance Example
19 February 2026
Credit card interest isn't a simple flat annual rate applied once — here's the daily compounding mechanics that make carrying a balance so expensive.
Federal Bank vs IDFC FIRST Credit Cards: Which Newer-Generation Issuer Wins?
19 February 2026
Comparing Federal Bank and IDFC FIRST Bank's credit card strategies — fintech partnerships, fee-free positioning, and rewards — to see which fits better.
Best Credit Card for Paying Insurance Premiums (LIC, Health, Term)
19 February 2026
Paying LIC, health, or term insurance premiums by credit card earns rewards but often triggers a surcharge — here's how to actually come out ahead.
Using a Credit Card for Home Renovation Expenses
18 February 2026
Home renovation spending is large, spread across many small vendors, and often paid in cash by default.
Best Credit Cards for Startup Founders in India
18 February 2026
What founders should actually look for in a card during the bootstrapped and early-funded stages, before a dedicated corporate card program exists.
Best Credit Cards for Metro Card Recharge in India
18 February 2026
Metro recharges are small, frequent transactions — the right card turns them into steady, low-effort rewards rather than an afterthought.
Best Credit Cards for Frequent Flyers in India
18 February 2026
How to pick a credit card for frequent flying in India — air miles conversion ratios, airline co-branded partnerships, and priority boarding.
Axis Bank Privilege Credit Card Review: An Affordable Entry Into Lounges and Dining Perks
18 February 2026
A practical review of the Axis Bank Privilege Credit Card: a welcome bonus worth nearly twice its ₹1,500 fee, 8 domestic lounge visits, and dining and movie offers, but a modest 1% earn rate.
Best Lifetime Free Credit Cards With Lounge Access in India
17 February 2026
A short list of genuine lifetime-free credit cards in India that still throw in a couple of free airport lounge visits, and why most 'free' cards don't.
Best Credit Card for Mobile Recharge Cashback in India
17 February 2026
Which credit cards actually reward prepaid and postpaid mobile recharges in India, how bill-payment portals affect your cashback, and what to avoid.
The Hidden Traps in 'No Cost EMI' Credit Card Offers
16 February 2026
No-cost EMI sounds free, but the discount you lose and the processing fees you pay often mean it isn't actually interest-free.
Should You Ask for a Credit Limit Increase or Get a New Card?
15 February 2026
Two ways to get more available credit — a limit hike on your existing card or a second card entirely — and how to decide which fits your situation.