Credit card analyst
Rahul Dabhi
FinWiz24 editorial office · Palitana, Gujarat, India
Posts by this author (30)
blog · 1 Jul 2026
Credit Card Fraud in India (2026): The Real Numbers
How much credit-card fraud happens in India, who's most at risk, and the bank's zero-liability rule that protects you.
blog · 19 Jun 2026
Concierge Services on Indian Premium Cards: What They Actually Do
HDFC Infinia and Amex Platinum have 24×7 concierge desks. Here's what you can ask them to do — and what they won't.
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
Lost or Stolen Card? Replacement vs Closure — The Right Steps
Hotlist, replace, or close: how to respond in the first 10 minutes after a card goes missing.
blog · 14 Jun 2026
Inside ICICI's Emeralde: Why the Private Banking Card Earns Its Fee
ICICI Emeralde is invite-only, gated by relationship value, and offers 4 points per ₹100. The economics are unique.
blog · 13 Jun 2026
Why Your Credit Utilisation Ratio Is the Second-Biggest Score Factor
30% of your CIBIL score depends on how much of your credit limit you use. Here's the optimal strategy.
glossary · 12 Jun 2026
Email Update
Updating the registered email.
blog · 11 Jun 2026
Online Travel Agent vs Credit Card Travel Portal: Where to Book
Booking through MMT vs HDFC SmartBuy vs the airline direct — the price difference and the rewards difference.
glossary · 9 Jun 2026
Inoperative Account
A card account with no activity.
blog · 9 Jun 2026
Axis Atlas Deep Dive: The Best Mid-Premium Travel Card in India?
Axis Atlas earns 5 EDGE Miles per ₹100 on travel, has 8+8 lounge access, and costs ₹5,000 a year. The math.
blog · 5 Jun 2026
10 CIBIL Score Myths That Are Costing You Money
Income, UPI, debit cards — none of these affect your score. Here's what's myth and what's fact.
glossary · 3 Jun 2026
Nodal Officer
A senior officer for complaint escalation.
blog · 3 Jun 2026
Amazon Pay ICICI vs Flipkart Axis: The Cashback Card Showdown
Both cards offer 5% on their namesake platform. The differences are in the cap, the partner network, and the redemption.
blog · 2 Jun 2026
How Indian Banks Actually Price Credit Cards — Interchange, MDR, and the Spread
Every swipe you make generates 1.5% to 2.5% of revenue for the issuing bank. Here's where it comes from and where it goes.
glossary · 1 Jun 2026
Trial Abuse
Repeatedly using free trials with new accounts.
glossary · 31 May 2026
Free Trial
A trial period without charges.
guide · 23 May 2026
How to Apply for the Tata Neu HDFC Credit Card via the Tata Neu App in 2026
Apply for the Tata Neu HDFC Credit Card in 5 minutes via the Tata Neu app. Step-by-step walkthrough and approval tips for Tata brand shoppers.
glossary · 19 May 2026
Bait Card
A card with attractive initial offers.
glossary · 17 May 2026
Milestone Benefit
A benefit unlocked by spending.
glossary · 16 May 2026
Forex Benefit
A forex-related benefit on a card.
guide · 16 May 2026
How to Apply for the Amazon Pay ICICI Card via the Amazon App in 2026
Apply for the Amazon Pay ICICI Credit Card in 3 minutes via the Amazon app. Step-by-step walkthrough with screenshots and approval tips.
glossary · 16 May 2026
Lounge Benefit
A lounge access benefit on a card.
guide · 14 May 2026
How to Choose a Secured Credit Card in 2026
Find the best secured credit card in India — FD-backed, easy approval, and credit-building. Compare HDFC, ICICI, SBI, and Axis secured cards.
glossary · 14 May 2026
HSBC Cashback Card
HSBC's cashback card.
glossary · 11 May 2026
IDFC FIRST Classic Card
IDFC's entry-level card.
glossary · 7 May 2026
Axis Magnus Card
Axis's premium card.
glossary · 5 May 2026
SBI Card ELITE
SBI's premium card.
glossary · 29 Apr 2026
Amex Gold Card India
An India-specific Amex premium card.
glossary · 27 Apr 2026
Amex Platinum Card
An Amex super-premium card.
glossary · 26 Apr 2026
RuPay Platinum Card
A RuPay mid-tier card.