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In-depth guides, comparisons, latest offers, and credit card news for India — updated weekly.
109 posts
What income, CIBIL score, and employment type do HDFC Infinia, Amex Platinum, ICICI Emeraude, and Axis Atlas actually require? We read the issuers' own T&Cs so you know before you apply.
11 September 2026
Linking a RuPay credit card to UPI lets you scan any QR code and pay with credit. Here is how the linkage works, the per-transaction limits, the rewards reality, and the RBI / NPCI rules behind it.
10 September 2026
No-cost EMI looks free on the bill, but processing fees, lost cashback, and merchant price inflation typically cost ₹6,000–₹15,000 on a ₹1–2 lakh purchase. Here's the math.
9 September 2026
The HDFC Regalia Gold charges ₹2,500/year. We calculate exactly how much you need to spend to recover the fee — and whether the milestone vouchers and lounge access close the gap.
8 September 2026
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.
7 September 2026
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.
6 September 2026
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.
5 September 2026
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.
4 September 2026
UPI is free and instant. Credit cards earn rewards. The right payment rail for each transaction.
11 July 2026
The RBI's 2026 changes to interchange, late fees, dispute timelines, and card-tokenisation — what they mean for you.
9 July 2026
Interchange, finance charge, annual fee, late fee — the four revenue streams and what they mean for you as a cardholder.
7 July 2026
HDFC, ICICI, Axis, SBI, Amex — the 5 issuers compared on approval rate, rewards, service, fees, and the right pick for you.
5 July 2026
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