4 min read
Grace Period vs Revolving Credit: The Difference That Costs You 42% a Year If you've ever carried a balance 'just for a few days', you've paid more than you think. The math, in plain terms.
5 June 2026
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31 posts
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5 min readEvery Credit Card Fee Explained in Plain EnglishAnnual fee, late fee, finance charge, cash advance fee, EMI fee — what each one is, when it applies, and what it costs.
5 June 2026
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4 min readInterchange Fees in India: How They Shape Your Credit Card RewardsEvery swipe generates 1.5% in interchange. Here's how the bank splits that between profit and rewards.
3 June 2026
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3 min readAre Credit Card Rewards Taxable in India? The Income Tax RealitySection 10(4)(i) exempts cashback and rewards from income tax. The 2023 TDS rule covers gaming winnings, not card rewards.
3 June 2026
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4 min readHow Indian Banks Actually Price Credit Cards — Interchange, MDR, and the SpreadEvery 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.
2 June 2026
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3 min readGST on Credit Card Fees in India: Every Charge That Has It, and Which Don'tAnnual fees, finance charges, late fees, cash advance fees, EMI processing fees — most of them carry 18% GST.
1 June 2026
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4 min readRBI Credit Card Policy Changes in 2026: What Cardholders Need to KnowLate-fee caps, finance-charge review, e-mandate framework, and tokenisation. The RBI's 2026 agenda for credit cards.
1 June 2026