FinWiz24 blog

Hotlist, dispute, escalate. The RBI-aligned step-by-step workflow for unauthorised Indian credit-card transactions, including the 2024 framework's 90-day rule and shift in burden of proof.

Paying only the minimum due on your credit card can cost you 5-10x more than the original bill. Here is the exact math for Indian cardholders.

Visa and Mastercard zero-liability cover most unauthorised transactions, but RBI's 2021 rule governs every Indian card. How the three layers overlap and what you are actually owed.

Your card was declined but ₹5,000 still left your account. Here's the exact RBI timeline for reversal, what banks must do, and how to protect yourself.

UPI is free and instant. Credit cards earn rewards. The right payment rail for each transaction.

The RBI's 2026 changes to interchange, late fees, dispute timelines, and card-tokenisation — what they mean for you.

Interchange, finance charge, annual fee, late fee — the four revenue streams and what they mean for you as a cardholder.

HDFC, ICICI, Axis, SBI, Amex — the 5 issuers compared on approval rate, rewards, service, fees, and the right pick for you.

Hit high annual spend thresholds for hotel and airline elite status. The maths and the right card for each status.

How much credit-card fraud happens in India, who's most at risk, and the bank's zero-liability rule that protects you.

Invest the credit-card float, redeem rewards for flights, optimise for tax. The strategy that pays 7%+ on every rupee.