Credit card analyst
Isha Patel
FinWiz24 editorial office · Palitana, Gujarat, India
Tax-and-billing specialist. Writes about GST on annual fees, late fees, and EMI conversions.
Posts by this author (10)
blog · 19 Jun 2026
How the RBI's 2024 Billing Dispute Rules Protect You
Auto-debit reversals, dispute timelines, and the bank's burden of proof. What changed and what to do.
blog · 17 Jun 2026
Annual Fee Renewal: Should You Pay, Downgrade, or Cancel?
Every credit card anniversary is a decision point. The right answer depends on your spend, your rewards, and your alternatives.
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 · 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.
blog · 11 Jun 2026
Loan Against Card: When It Makes Sense, When It Doesn't
A loan against your credit-card limit lets you borrow against your card. The rate is high; the convenience is real.
blog · 9 Jun 2026
Your Card's MITC Document: The 4-Page Contract You Should Read
Most Important Terms and Conditions: the bank's binding contract with you. What to look for.
blog · 7 Jun 2026
How to Read Your Credit Card Statement (and Spot Errors)
A credit card statement has 30+ line items. Here's what each one means and which ones to verify.
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.
blog · 3 Jun 2026
Are Credit Card Rewards Taxable in India? The Income Tax Reality
Section 10(4)(i) exempts cashback and rewards from income tax. The 2023 TDS rule covers gaming winnings, not card rewards.
blog · 1 Jun 2026
GST on Credit Card Fees in India: Every Charge That Has It, and Which Don't
Annual fees, finance charges, late fees, cash advance fees, EMI processing fees — most of them carry 18% GST.