Jay Dodiya

Posts by this author (30)

• trick · 2 Jul 2026

  Use Credit Card Purchase Protection for Extended Warranty

  Many premium cards extend manufacturer warranty by 1–2 years. Most cardholders never claim it.

• 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.

• glossary · 14 Jun 2026

  Signature Update

  Updating the registered signature.

• blog · 12 Jun 2026

  The RBI's 2021 Card Rules: What Protects You and What Doesn't

  Tokenisation, zero-liability, and SMS alerts — what the Reserve Bank of India actually requires banks to do.

• guide · 11 Jun 2026

  How to Apply for the Amex Payback Credit Card in 2026

  Apply for the Amex Payback Credit Card and earn 5X PAYBACK points on partner merchants. Eligibility, fees, and the application process.

• blog · 11 Jun 2026

  Amex Platinum Travel Card: Is the Welcome Bonus Worth the Fee?

  ₹5,000 annual fee, ₹10,000+ welcome bonus on first-year spend, milestone Taj vouchers. The math, with caveats.

• glossary · 10 Jun 2026

  Re-KYC

  Renewing KYC for an account.

• glossary · 8 Jun 2026

  Card After Death

  What happens to a card after death.

• blog · 7 Jun 2026

  10 Credit Card Rules You Must Know to Stay Out of Trouble

  Pay the full balance, never share your PIN, hotlist immediately on loss, and 7 more rules every cardholder should follow.

• glossary · 6 Jun 2026

  Data Fiduciary

  An entity processing personal data.

• blog · 5 Jun 2026

  Every Credit Card Fee Explained in Plain English

  Annual fee, late fee, finance charge, cash advance fee, EMI fee — what each one is, when it applies, and what it costs.

• glossary · 2 Jun 2026

  RBI Master Direction

  A comprehensive RBI regulation.

• glossary · 29 May 2026

  Recurring Mandate

  A standing instruction for recurring payments.

• glossary · 26 May 2026

  Statement Date Cycle

  The recurring statement date.

• glossary · 23 May 2026

  Tax on Points

  Income tax on redeemed rewards.

• guide · 18 May 2026

  How to Apply for the Flipkart Axis Bank Card via the Flipkart App in 2026

  Apply for the Flipkart Axis Bank Credit Card in 5 minutes via the Flipkart app. Step-by-step walkthrough with screenshots and approval tips.

• glossary · 15 May 2026

  LTF

  Abbreviation for Lifetime Free.

• glossary · 14 May 2026

  HSBC Visa Platinum Card

  HSBC's premium card.

• glossary · 8 May 2026

  Kotak Altura Card

  Kotak's premium card.

• glossary · 7 May 2026

  Axis Reserve Card

  Axis's super-premium card.

• glossary · 5 May 2026

  SBI Card PULSE

  SBI's wellness card.

• glossary · 4 May 2026

  ICICI Sapphiro

  ICICI's premium card.

• glossary · 3 May 2026

  ICICI Coral Card

  ICICI's mid-tier card.

• guide · 30 Apr 2026

  How to Choose an NRI Credit Card in 2026

  Find the best NRI credit card in India — international acceptance, foreign currency billing, and NRI-specific benefits. Compare HDFC, ICICI, Axis, and Amex NRI cards.

• glossary · 26 Apr 2026

  RuPay Classic Card

  A RuPay basic card.

• guide · 22 Apr 2026

  How to Choose a Premium Credit Card in 2026

  Find the best premium credit card in India — Regalia, Diners Black, Aurum, Atlas. Compare lounge access, air miles, and annual fees.

• glossary · 19 Apr 2026

  American Express India

  American Express India operations.

• glossary · 17 Apr 2026

  J&K Bank Credit Cards

  A regional bank offering cards.

• glossary · 15 Apr 2026

  DBS Bank India

  A multinational bank in India.

• glossary · 14 Apr 2026

  PNB Credit Cards

  Public sector bank credit cards.