Renish Mithani

Posts by this author (30)

• blog · 25 Jun 2026

  Credit Card vs Personal Loan: When to Use Which

  Credit cards at 42%–51% per annum; personal loans at 11%–22%. The math and the right tool for each need.

• 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.

• glossary · 18 Jun 2026

  Imperia Banking

  An ultra-premium banking relationship.

• guide · 16 Jun 2026

  How to Apply for the HDFC Marriott Credit Card in 2026

  Apply for the co-branded HDFC Marriott Credit Card and earn 5X points on Marriott, hotel, and dining spends. Eligibility and the application process.

• glossary · 16 Jun 2026

  High Value Customer

  A customer with high relationship value.

• guide · 15 Jun 2026

  How to Apply for the Axis Burgundy Private Credit Card in 2026

  Apply for the ultra-premium Axis Burgundy Private Credit Card with unlimited lounge access and dedicated relationship manager. Income thresholds and walkthrough.

• blog · 15 Jun 2026

  Hotel Loyalty Programmes + Credit Cards: The Points-Hotel Playbook

  Marriott Bonvoy, Hilton Honors, IHG One Rewards — how to combine credit-card transfers with hotel status for maximum value.

• blog · 15 Jun 2026

  Regional Bank Credit Cards in India: AU, Federal, RBL, Yes Bank

  Beyond HDFC, ICICI, Axis, and SBI — the regional players that offer competitive cards for tier-2/3 city residents.

• 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 · 10 Jun 2026

  SmartBuy vs Air Vistara Transfer: Where HDFC Points Are Worth More

  HDFC Rewards points have a ₹1 floor on SmartBuy and up to ₹2+ via Air Vistara transfers. Here's the comparison.

• glossary · 9 Jun 2026

  Unclaimed Amount

  An unclaimed balance on a card.

• blog · 9 Jun 2026

  The Big Six Credit Card Issuers in India: A 2026 Comparison

  HDFC, ICICI, Axis, SBI, Kotak, Amex — the strengths, weaknesses, and the right pick for your spend.

• glossary · 7 Jun 2026

  Right to Correction

  The right to correct personal data.

• blog · 7 Jun 2026

  Air India + Vistara Merger: What It Means for Credit Card Rewards

  Vistara is now Air India. The Club Vistara points programme has merged with Maharaja Club. Here's how to position your cards.

• blog · 7 Jun 2026

  Hidden Caps on Cashback Cards That Most People Miss

  The headline cashback rate is what the bank advertises. The cap is what limits your actual return. Here's how to spot them.

• blog · 5 Jun 2026

  Inside Amazon Pay ICICI: The Lifetime-Free 5% Card That Won India

  The simplest cashback card in India. No annual fee, no cap on Amazon, 2% on bill payments. Why it's so popular.

• glossary · 1 Jun 2026

  Virtual Card for Trials

  Using a virtual card for free trials.

• trick · 23 May 2026

  Maximise Grocery Rewards with Category-Specific Cards

  Grocery MCCs earn reduced rewards on most cards. These 4 cards are the exceptions.

• glossary · 10 May 2026

  RBL Iconia Card

  RBL's premium card.

• glossary · 8 May 2026

  Kotak 811 Dream Card

  Kotak's digital-first card.

• guide · 5 May 2026

  How to Choose a RuPay Credit Card in 2026

  Find the best RuPay credit card in India — HDFC, ICICI, SBI, and Axis RuPay variants. Domestic acceptance, lower fees, and UPI integration.

• glossary · 4 May 2026

  SBI SimplyCLICK Card

  SBI's online-focused card.

• guide · 1 May 2026

  How to Choose a Student Credit Card in 2026

  Find the best student credit card in India — low income requirement, credit-building, and student-friendly benefits. Compare SBI, ICICI, HDFC, and Axis student cards.

• glossary · 1 May 2026

  HDFC MoneyBack+

  HDFC's cashback card.

• glossary · 29 Apr 2026

  Amex SmartEarn Card

  An Amex entry-level card.

• guide · 28 Apr 2026

  How to Choose an Add-On Credit Card in 2026

  How to choose the right add-on (supplementary) credit card for your family. Benefits, fees, and how to apply for a supplementary card.

• glossary · 24 Apr 2026

  Mastercard World Card

  A Mastercard mid-tier card.

• glossary · 20 Apr 2026

  Central Bank of India Cards

  Public sector bank credit cards.

• guide · 15 Apr 2026

  How to Choose a Cashback Credit Card in 2026

  Compare the best cashback credit cards in India — Amazon Pay ICICI, Flipkart Axis, SBI SimplySAVE, and more. Step-by-step guide to choosing the right one.

• glossary · 14 Apr 2026

  Federal Bank Credit Cards

  A private bank offering cards.