Arjun Banerjee

Posts by this author (10)

• blog · 19 Jun 2026

  Using Credit Card Float to Earn Interest on Your Money

  The credit-card grace period is a free 18–25 day loan. Used well, it can earn interest on your own money.

• blog · 17 Jun 2026

  Credit Card Trends in India (2026): What's Growing, What's Shrinking

  Premium cards are up, cashback cards are flat, co-brand cards are consolidating. The data behind the shifts.

• blog · 15 Jun 2026

  Credit Card vs Buy Now Pay Later (BNPL) in India: The Real Comparison

  BNPL apps promise 0% interest. The reality is fees, late charges, and limited consumer protection. The comparison.

• blog · 13 Jun 2026

  How Visa and Mastercard Make Money in India

  Every swipe moves money across multiple rails. The network's fee is small per transaction but massive in aggregate.

• blog · 11 Jun 2026

  UPI vs Credit Card in 2026: Where Each Wins

  UPI is the dominant payment rail for small spend. Credit card is the right tool for big spend. Here's how to split.

• blog · 9 Jun 2026

  The Big Six Credit Card Issuers in India: A 2026 Comparison

  HDFC, ICICI, Axis, SBI, Kotak, Amex — the strengths, weaknesses, and the right pick for your spend.

• blog · 7 Jun 2026

  Credit Card Fraud in India: The Numbers and the Protections

  Card fraud is rare in India — and dropping. Here's what the RBI's data shows and how the protections have evolved.

• blog · 5 Jun 2026

  Credit Card vs Personal Loan: The Real Cost of Borrowing ₹5 Lakh

  When the credit card is cheaper than a personal loan, and when it's dramatically more expensive.

• blog · 3 Jun 2026

  Interchange Fees in India: How They Shape Your Credit Card Rewards

  Every swipe generates 1.5% in interchange. Here's how the bank splits that between profit and rewards.

• blog · 1 Jun 2026

  RBI Credit Card Policy Changes in 2026: What Cardholders Need to Know

  Late-fee caps, finance-charge review, e-mandate framework, and tokenisation. The RBI's 2026 agenda for credit cards.