Blog
In-depth guides, comparisons, latest offers, and credit card news for India — updated weekly.
31 posts
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
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
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
Credit cards at 42%–51% per annum; personal loans at 11%–22%. The math and the right tool for each need.
25 June 2026
Auto-debit reversals, dispute timelines, and the bank's burden of proof. What changed and what to do.
19 June 2026
Late-fee caps, minimum amount due rules, tokenisation rollout, and the new e-mandate framework — what they mean for you.
18 June 2026
Every credit card anniversary is a decision point. The right answer depends on your spend, your rewards, and your alternatives.
17 June 2026
Hotlist, replace, or close: how to respond in the first 10 minutes after a card goes missing.
17 June 2026
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