Harshil Vaja

Posts by this author (30)

• 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 · 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 · 19 Jun 2026

  Credit Card vs Debit Card vs UPI: The Right Tool for the Right Spend

  Each payment method has a role. Using the right one for the right spend saves money and builds credit.

• blog · 17 Jun 2026

  Fraudulent Accounts on Your CIBIL Report? Here's What to Do

  Identity theft via credit-card fraud is rare but real. The recovery process is well-defined — if you act fast.

• glossary · 16 Jun 2026

  High Net-Worth Individual (HNI)

  An individual with high net worth.

• blog · 15 Jun 2026

  Mileage Runs in India: How to Maximise Credit Card Points for Travel

  Strategically increasing credit card spend to hit milestones and transfer bonuses. The art and the ethics.

• glossary · 14 Jun 2026

  FATCA Declaration

  A declaration for foreign account compliance.

• guide · 13 Jun 2026

  How to Apply for the ICICI Jet Airways Credit Card in 2026

  Apply for the ICICI Jet Airways Credit Card and earn JPMiles on every spend. Income thresholds, eligibility, and the application process.

• blog · 13 Jun 2026

  Paying Bills with a Credit Card: What's Allowed and What Isn't

  Electricity, gas, water, mobile postpaid, DTH, insurance — most bills can be paid via credit card. Here's how to maximise the cashback.

• blog · 13 Jun 2026

  Best Credit Card Combos for Couples in India

  Two people, multiple cards, multiple categories. The right combination returns 5%–7% on combined spend.

• glossary · 11 Jun 2026

  Address Change

  Updating the registered address.

• 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

  Airline Co-Brand Credit Cards in India: Which Ones Are Worth It?

  Vistara, Air India, Singapore Airlines, Emirates, SpiceJet — the co-brand landscape and the cards that earn their keep.

• glossary · 4 Jun 2026

  Data Localisation

  Storing data within India.

• glossary · 4 Jun 2026

  Principal Nodal Officer

  The top officer for grievance redressal.

• 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 · 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 First Credit Card in India: A Step-by-Step Guide

  How to qualify, what to apply for, and the four mistakes to avoid on day one.

• glossary · 31 May 2026

  Cancel Anytime

  A subscription that can be cancelled any time.

• glossary · 31 May 2026

  Subscription Fatigue

  Tiredness from managing many subscriptions.

• guide · 29 May 2026

  How to Apply for the Axis Magnus Credit Card in 2026

  Apply for the premium Axis Magnus Credit Card with 12,000 bonus EDGE Miles and 5X on travel. Income thresholds, eligibility, and walkthrough.

• glossary · 28 May 2026

  UPI Zero MDR

  Zero MDR for UPI transactions.

• guide · 25 May 2026

  How to Apply for the HDFC Indian Oil Credit Card in 2026

  Apply for the co-branded HDFC Indian Oil Credit Card and earn 5% cashback on fuel spends at IOCL pumps. Eligibility, fees, and walkthrough.

• glossary · 25 May 2026

  Minimum Spend

  The minimum spend for a benefit.

• glossary · 24 May 2026

  Effective Rate

  Real reward rate after fees.

• glossary · 16 May 2026

  Welcome Benefit

  The benefit given on card approval.

• glossary · 15 May 2026

  Card Flipping

  Earning welcome bonuses across multiple cards.

• glossary · 13 May 2026

  BoB Easy Card

  BoB's entry-level card.