Credit card analyst
Anika Iyengar
FinWiz24 editorial office · Palitana, Gujarat, India
Senior comparisons writer. Specialises in head-to-head card matches, mileage-run strategy, and how banks actually price their products.
Posts by this author (11)
blog · 11 Jul 2026
UPI vs Credit Card in India (2026): When Each Wins
UPI is free and instant. Credit cards earn rewards. The right payment rail for each transaction.
blog · 9 Jul 2026
RBI Credit Card Policy Changes for 2026: What Cardholders Must Know
The RBI's 2026 changes to interchange, late fees, dispute timelines, and card-tokenisation — what they mean for you.
blog · 7 Jul 2026
How Banks Make Money from Credit Cards in India
Interchange, finance charge, annual fee, late fee — the four revenue streams and what they mean for you as a cardholder.
blog · 5 Jul 2026
Credit Card Issuers in India Compared (2026 Edition)
HDFC, ICICI, Axis, SBI, Amex — the 5 issuers compared on approval rate, rewards, service, fees, and the right pick for you.
blog · 3 Jul 2026
Credit Card Mileage Runs: How to Earn Loyalty Status
Hit high annual spend thresholds for hotel and airline elite status. The maths and the right card for each status.
blog · 1 Jul 2026
Credit Card Fraud in India (2026): The Real Numbers
How much credit-card fraud happens in India, who's most at risk, and the bank's zero-liability rule that protects you.
blog · 29 Jun 2026
Credit Card Investment Strategy: How to Maximise Returns
Invest the credit-card float, redeem rewards for flights, optimise for tax. The strategy that pays 7%+ on every rupee.
blog · 27 Jun 2026
Credit Card Elite Status in India: What It Gets You
Super-premium cards have invisible perks. The lounge access, hotel status, concierge, and travel benefits.
blog · 25 Jun 2026
Credit Card vs Personal Loan: When to Use Which
Credit cards at 42%–51% per annum; personal loans at 11%–22%. The math and the right tool for each need.
blog · 23 Jun 2026
Credit Card vs Buy Now Pay Later in India (2026 Edition)
LazyPay, Simpl, ZestMoney — the BNPL option vs the credit card. The right tool for each spend.
blog · 21 Jun 2026
Amazon Pay ICICI vs Flipkart Axis vs SBI Cashback: The Final Comparison
Three lifetime-free cashback cards. Which one wins for your spending pattern?