Credit card analyst
Darshil Chauhan
FinWiz24 editorial office · Palitana, Gujarat, India
Posts by this author (30)
blog · 20 Jun 2026
HDFC Millennia vs Amazon Pay ICICI: The 5% Cashback Showdown
Both cards offer 5% back on Amazon. The differences — capping, redemption, and acceptance — decide which one to pick.
blog · 19 Jun 2026
Hotel and Airline Elite Status via Credit Cards in India
Marriott Bonvoy Platinum, Hilton Diamond, Singapore KrisFlyer Gold — the credit cards that grant elite status, and whether they pay.
blog · 19 Jun 2026
Festive Sales 2026: How to Use Credit Cards for Amazon, Flipkart, Myntra Sales
Great Indian Festival, Big Billion Days, End of Reason — the sales are coming. Here's how to maximise cashback.
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 · 15 Jun 2026
Cash Advances vs Balance Transfers: The Real Cost Comparison
Both let you access cash on a credit card. The fees, interest rates, and grace periods differ dramatically.
blog · 15 Jun 2026
Your First Credit Card After Your First Job: A Playbook
You have a salary account, a steady income, and zero credit history. Here's what to do in the first 12 months.
glossary · 13 Jun 2026
PAN Update
Updating the registered PAN.
blog · 13 Jun 2026
Best Credit Cards for Utility Bill Payments in India
Electricity, gas, water, broadband, mobile postpaid, DTH — the cards that reward bill payments and the fees to watch.
blog · 13 Jun 2026
How to Get a Fee Reversed on Your Credit Card (And When to Ask)
Annual fee, late fee, over-limit fee, cash advance fee — most can be reversed if you ask the right way.
glossary · 12 Jun 2026
Nominee Update
Updating the card nominee.
blog · 11 Jun 2026
How to Dispute an Error on Your CIBIL Report
Wrong balance, closed account shown as open, missed payment you didn't miss. Here's how to fix it.
blog · 9 Jun 2026
Travel Credit Cards with No Annual Fee in India
Lifetime-free cards that reward travel. The earn rates are lower, but the savings are real for moderate travellers.
glossary · 8 Jun 2026
Nominee on Card
A nominee for credit card benefits.
blog · 5 Jun 2026
Axis Atlas vs Amex Platinum Travel: Which Mid-Premium Card Wins?
Both are ₹5,000 cards with 5X on travel. The differences are in the transfer partners, welcome bonuses, and acceptance.
blog · 5 Jun 2026
EMI Conversion on Credit Cards: When It Saves You Money, When It Costs You
EMI rates of 12%–24% are cheaper than revolving at 42%–51%. But EMI has its own traps — processing fees, GST, and prepayment penalties.
guide · 4 Jun 2026
How to Apply for the SBI Unified Credit Card in 2026
Apply for the SBI Unified Credit Card and get a single credit limit across SBI Cards. Eligibility, fees, and step-by-step walkthrough.
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.
blog · 1 Jun 2026
Airport Lounge Access in India: The Complete Cardholder's Guide
Priority Pass, Visa Infinite, Mastercard, Amex Centurion, and the airline-owned lounges. Where to enter, where you can't.
glossary · 27 May 2026
Grace Window
The interest-free period.
glossary · 25 May 2026
Quarterly Spend
Spend in a calendar quarter.
glossary · 22 May 2026
Effective CPP
The realised value after taxes.
glossary · 21 May 2026
Category King
The best card for a specific category.
glossary · 21 May 2026
Best in Class
The top card in a category.
glossary · 19 May 2026
Keeper Card
A long-term card worth keeping.
glossary · 19 May 2026
Gaming the System
Exploiting card rules for rewards.
guide · 12 May 2026
How to Choose a Zero-Annual-Fee Credit Card in 2026
Find the best zero-annual-fee credit card in India — no annual fee, no joining fee, no fee waiver. Compare Amazon Pay ICICI, Flipkart Axis, HDFC Millennia, and more.
glossary · 12 May 2026
AU Altura Card
AU's premium card.
guide · 11 May 2026
How to Choose a Rewards Credit Card in 2026
Find the best rewards credit card in India — 1 reward point per ₹100, redemption value, and transfer partners. Compare HDFC, ICICI, SBI, and Amex rewards cards.
glossary · 10 May 2026
Standard Chartered Platinum Card
Standard Chartered's mid-tier card.
glossary · 9 May 2026
Yes Prosperity Edge Card
Yes's lifestyle card.