3 min read
Are Credit Card Rewards Taxable in India? The Income Tax Reality Section 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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109 posts
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4 min readWhat a CIBIL Score Actually Is — and What It Isn'tYour CIBIL score is a number, not a verdict. Here's how it's calculated, what moves it, and what doesn't.
3 June 2026
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3 min readHow to Value a Reward Point — The Math That Actually MattersMost Indian cards quote '1 point = ₹X' but the real value depends on how you redeem. Here's the framework we use.
3 June 2026
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3 min readZero Forex Markup Cards in India: Save 2%–3.5% on Every International SpendThree cards charge zero forex markup on international transactions. The savings on a ₹10L travel spend is ₹2L–₹3.5L.
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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4 min readAirport Lounge Access in India: The Complete Cardholder's GuidePriority Pass, Visa Infinite, Mastercard, Amex Centurion, and the airline-owned lounges. Where to enter, where you can't.
1 June 2026
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4 min readBest Online Shopping Cards in India (2026): A Cashback ComparisonAmazon Pay ICICI, Flipkart Axis, SBI Cashback, HDFC Millennia, ICICI Amazon Pay — the four-way shootout.
1 June 2026
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3 min readYour Credit Card Billing Cycle, Explained in Plain EnglishThe billing cycle is the engine of every reward, fee, and interest decision on your card. Here's exactly how it works in India.
1 June 2026
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4 min readYour First Credit Card in India: A Step-by-Step GuideHow to qualify, what to apply for, and the four mistakes to avoid on day one.
1 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 readBest Credit Cards for IRCTC and Train Travel in IndiaIRCTC doesn't accept all credit cards. The cards that work, the cashback they offer, and the smarter ways to book.
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