Credit card analyst
Rahul Godeshvar
FinWiz24 editorial office · Palitana, Gujarat, India
Posts by this author (30)
trick · 22 Jul 2026
Earn Rewards on Rent Payments Using Smart Workarounds
Rent payments via credit card usually earn zero rewards. These 3 methods change that.
blog · 11 Jul 2026
UPI vs Credit Card in India (2026): When Each Wins
UPI is free and instant. Credit cards earn rewards. The right payment rail for each transaction.
blog · 29 Jun 2026
Credit Card Investment Strategy: How to Maximise Returns
Invest the credit-card float, redeem rewards for flights, optimise for tax. The strategy that pays 7%+ on every rupee.
blog · 27 Jun 2026
Credit Card Elite Status in India: What It Gets You
Super-premium cards have invisible perks. The lounge access, hotel status, concierge, and travel benefits.
blog · 19 Jun 2026
MCC Codes Explained: How Banks Use Them to Decide What Counts
A Merchant Category Code is a 4-digit number attached to every transaction. It controls rewards, milestones, and exclusions.
glossary · 17 Jun 2026
Private Banking
A banking service for wealthy clients.
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 · 17 Jun 2026
Using Indian Credit Cards Internationally: A Complete Guide
Forex markup, acceptance, ATM withdrawals, dynamic currency conversion, and dispute resolution abroad.
glossary · 15 Jun 2026
CAML Requirement
Customer acquisition requirements.
blog · 11 Jun 2026
UPI vs Credit Card in 2026: Where Each Wins
UPI is the dominant payment rail for small spend. Credit card is the right tool for big spend. Here's how to split.
glossary · 10 Jun 2026
KYC Update
Updating KYC information.
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.
glossary · 8 Jun 2026
Card on Death
Closure of card upon cardholder death.
glossary · 7 Jun 2026
Right to Nominee
The right to nominate for accounts.
guide · 7 Jun 2026
How to Apply for the HDFC Shoppers Stop Credit Card in 2026
Apply for the co-branded HDFC Shoppers Stop Credit Card and earn 5X reward points on Shoppers Stop purchases. Eligibility, fees, and walkthrough.
glossary · 7 Jun 2026
Right to Access
The right to access personal data.
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
Grace Period vs Revolving Credit: The Difference That Costs You 42% a Year
If you've ever carried a balance 'just for a few days', you've paid more than you think. The math, in plain terms.
glossary · 4 Jun 2026
DPDP Act 2023
Digital Personal Data Protection Act.
glossary · 3 Jun 2026
Grievance Redressal
The process of resolving complaints.
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.
glossary · 27 May 2026
No-Cost EMI Jargon
Technical aspects of no-cost EMI.
guide · 27 May 2026
How to Apply for the SBI Central Credit Card in 2026
Apply for the co-branded SBI Central Credit Card and earn 5X reward points on Shoppers Stop, Home Centre, and other Central brands.
glossary · 21 May 2026
Value Extraction
Maximising value from a card.
guide · 20 May 2026
How to Apply for the Swiggy HDFC Credit Card via the Swiggy App in 2026
Apply for the Swiggy HDFC Credit Card in 5 minutes via the Swiggy app. Step-by-step walkthrough and approval tips for food delivery users.
glossary · 15 May 2026
Reward Churning
Maximising rewards via repeated applications.
glossary · 13 May 2026
BoB Premier Card
BoB's premium card.
glossary · 11 May 2026
IDFC FIRST Wealth Card
IDFC's premium card.
glossary · 11 May 2026
IDFC FIRST Select Card
IDFC's mid-tier card.