Blog
News, explainers, and practical tips on credit cards in India.
Best Credit Cards With High Reward Rates in India (and What 'High' Actually Means)
9 February 2026
A 5% headline reward rate rarely survives contact with caps, exclusions, and redemption value — here's how to read the fine print before you apply.
How to Pick Your Second Credit Card
8 February 2026
A second card should fill a gap your first one leaves, not duplicate it — here's a framework for choosing one that actually adds value.
Credit Card Chargeback vs Refund: What's the Difference
8 February 2026
A refund and a chargeback both put money back on your card, but they're initiated differently and used for very different situations.
Best Low Annual Fee Credit Cards in India
7 February 2026
Not every good card is free. Here's how to tell when a small annual fee actually pays for itself, and which cards make that easy.
Best Credit Cards for Salaried Employees in India
7 February 2026
Salary slips change what you can get approved for and how fast. Here's how income bands and salary-account tie-ins actually affect your card options.
Best Credit Cards for Domestic Lounge Access in India
7 February 2026
Ranked domestic-only lounge access cards for Indians who mostly fly within the country — no Priority Pass needed, no international lounge fluff.
Is a RuPay Credit Card Worth It in 2026?
5 February 2026
RuPay's UPI linkage is genuinely useful, but you give up things on the premium end. An honest verdict on whether it should be your primary card.
Best Premium Credit Cards in India (Super-Premium & Invite-Only)
5 February 2026
A practical look at India's top super-premium and invite-only credit cards — who they're actually for, what the high fees buy you.
Best Credit Cards for High Spenders in India
5 February 2026
For people spending ₹1.5 lakh+ a month on cards: which cards actually reward uncapped high spend, raise limits without a fight.
HDFC IRCTC Credit Card Review: Strong on Train Tickets, Ordinary Everywhere Else
4 February 2026
An honest review of the HDFC IRCTC RuPay card: the IRCTC charge waiver, 5% SmartBuy cashback on train bookings capped at ₹1,000 a month, railway lounges, and how it beats SBI's IRCTC card.
RuPay Credit Card vs a Normal Credit Card: What Actually Changes
3 February 2026
Should you add or switch to a RuPay credit card, or stick with your regular Visa/Mastercard card? A decision framework based on how you spend.
Best Travel Credit Cards in India for Overall Travel Rewards
3 February 2026
Lounge access is one line item. Here's how to compare travel credit cards on the benefits that matter over a full trip — forex markup, transfer partners.
Best Rewards Credit Cards in India
3 February 2026
A practical look at India's strongest points-based rewards credit cards in 2024 — who they actually suit.
Best Credit Cards for Beginners in India
2 February 2026
A shortlist of card types that actually suit a first-time credit card user in India, and why the 'best beginner card' depends on your bank.
Best Credit Card for ₹10,000 Monthly UPI Spending in India
2 February 2026
If your UPI spend is around ₹10,000 a month, here's how to pick a RuPay credit card where the rewards actually beat the annual fee.
Best Lifetime Free Credit Cards in India
1 February 2026
True lifetime-free cards vs conditional fee-waiver cards in India — how to tell them apart, and which stay free for life.
Best Credit Cards in India in 2026: A Framework, Not a List
1 February 2026
There's no single best credit card in India in 2026 — here's the framework to find the right one for your spending, income, and goals.
Yes Bank vs Kotak Credit Cards: Which Mid-Tier Issuer Fits You Better?
24 January 2026
A comparison of Yes Bank and Kotak Mahindra Bank's credit card lineups across fees, rewards, and lounge benefits for shoppers weighing a mid-tier issuer.
IDFC FIRST Millennia Credit Card Review: A Solid Lifetime-Free Starter Card
15 January 2026
IDFC FIRST Millennia's rewards, fees, and lounge perks broken down, and how it compares to other lifetime-free entry cards in India.
Credit Card Nomination Facility Explained
9 January 2026
What happens to a credit card's outstanding dues, unused reward points, and add-on cards after the cardholder's death, and how nomination works in India.