Credit card analyst
Rohan Mehta
FinWiz24 editorial office · Palitana, Gujarat, India
Former bank product manager. Writes about how issuers price cards, fees, and rewards programs.
Posts by this author (10)
blog · 20 Jun 2026
HDFC Millennia vs Amazon Pay ICICI: The 5% Cashback Showdown
Both cards offer 5% back on Amazon. The differences — capping, redemption, and acceptance — decide which one to pick.
blog · 18 Jun 2026
Recent RBI Card Rules (2024–2025): What Changed and What Didn't
Late-fee caps, minimum amount due rules, tokenisation rollout, and the new e-mandate framework — what they mean for you.
blog · 16 Jun 2026
RBL Bank Credit Cards: The Hidden Value Nobody Talks About
RBL issues the most under-discussed credit cards in India. Some are bargains; some are traps.
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 · 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.
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.
blog · 8 Jun 2026
Annual Fees Demystified: When They're Worth It, When They're Not
A ₹10,000 annual fee can be a bargain or a rip-off. Here's how to decide on the math, not the marketing.
blog · 6 Jun 2026
HDFC Infinia vs Diners Club Black: Which Super-Premium Card Wins?
Both cards waive forex, both offer unlimited lounge access. The differences are subtle and worth ₹30,000+ a year.
blog · 4 Jun 2026
How Indian Banks Design Reward Programmes — The Math Behind the Headline Rate
Every rewards programme has three knobs: earn rate, cap, and burn value. Here's how banks tune them.
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.