Credit card analyst
Aanya Iyer
FinWiz24 editorial office · Palitana, Gujarat, India
Senior editor covering credit-card rewards and travel points. 8 years writing about Indian consumer finance.
Posts by this author (10)
blog · 19 Jun 2026
MCC Codes Explained: How Banks Use Them to Decide What Counts
A Merchant Category Code is a 4-digit number attached to every transaction. It controls rewards, milestones, and exclusions.
blog · 17 Jun 2026
Lost or Stolen Card? Replacement vs Closure — The Right Steps
Hotlist, replace, or close: how to respond in the first 10 minutes after a card goes missing.
blog · 15 Jun 2026
Indian Credit Card Lingo: 30 Terms Explained in Plain English
MCC, ECI, MITC, BT, EMI — the alphabet soup of credit-card language, decoded.
blog · 13 Jun 2026
Visa vs Mastercard vs Amex vs RuPay — Which Network Should You Pick?
The card network matters more than the bank for acceptance and forex. Here's how each one stacks up in India.
blog · 11 Jun 2026
What Counts as 'Card Spend' — And What Banks Quietly Exclude
Wallet loads, rent payments, fuel, and insurance don't always count toward your milestone. Here's the full exclusion list.
blog · 9 Jun 2026
Milestone Bonuses Demystified: How to Hit Them Without Overspending
Annual spends of ₹2L, ₹4L, ₹8L unlock bonus vouchers and accelerated rewards. Here's how to plan them.
blog · 7 Jun 2026
When Do Reward Points Expire on Indian Cards? The Full List
HDFC points don't expire. Axis EDGE Miles expire in 24 months. Amex MR points expire in 36 months. Here's the rest.
blog · 5 Jun 2026
Grace Period vs Revolving Credit: The Difference That Costs You 42% a Year
If you've ever carried a balance 'just for a few days', you've paid more than you think. The math, in plain terms.
blog · 3 Jun 2026
How to Value a Reward Point — The Math That Actually Matters
Most Indian cards quote '1 point = ₹X' but the real value depends on how you redeem. Here's the framework we use.
blog · 1 Jun 2026
Your Credit Card Billing Cycle, Explained in Plain English
The billing cycle is the engine of every reward, fee, and interest decision on your card. Here's exactly how it works in India.