Blog
RBI Credit Card Policy Changes for 2026: What Cardholders Must Know
The RBI's 2026 changes to interchange, late fees, dispute timelines, and card-tokenisation — what they mean for you.
Category
Fees Fine Print
Articles in the fees fine print category.
-
- Blog
How Banks Make Money from Credit Cards in India
Interchange, finance charge, annual fee, late fee — the four revenue streams and what they mean for you as a cardholder.
- Blog
Credit Card vs Personal Loan: When to Use Which
Credit cards at 42%–51% per annum; personal loans at 11%–22%. The math and the right tool for each need.
- Blog
How the RBI's 2024 Billing Dispute Rules Protect You
Auto-debit reversals, dispute timelines, and the bank's burden of proof. What changed and what to do.
- Blog
Recent RBI Card Rules (2024–2025): What Changed and What Didn't
Late-fee caps, minimum amount due rules, tokenisation rollout, and the new e-mandate framework — what they mean for you.
- Blog
Annual Fee Renewal: Should You Pay, Downgrade, or Cancel?
Every credit card anniversary is a decision point. The right answer depends on your spend, your rewards, and your alternatives.
- Blog
Lost or Stolen Card? Replacement vs Closure — The Right Steps
Hotlist, replace, or close: how to respond in the first 10 minutes after a card goes missing.
- Blog
Cash Advances vs Balance Transfers: The Real Cost Comparison
Both let you access cash on a credit card. The fees, interest rates, and grace periods differ dramatically.
- Blog
Credit Card vs Buy Now Pay Later (BNPL) in India: The Real Comparison
BNPL apps promise 0% interest. The reality is fees, late charges, and limited consumer protection. The comparison.
- Blog
How to Get a Fee Reversed on Your Credit Card (And When to Ask)
Annual fee, late fee, over-limit fee, cash advance fee — most can be reversed if you ask the right way.
- Blog
The RBI's 2021 Card Rules: What Protects You and What Doesn't
Tokenisation, zero-liability, and SMS alerts — what the Reserve Bank of India actually requires banks to do.
- Blog
Loan Against Card: When It Makes Sense, When It Doesn't
A loan against your credit-card limit lets you borrow against your card. The rate is high; the convenience is real.
- Blog
What Counts as 'Card Spend' — And What Banks Quietly Exclude
Wallet loads, rent payments, fuel, and insurance don't always count toward your milestone. Here's the full exclusion list.
- Blog
Your Card's MITC Document: The 4-Page Contract You Should Read
Most Important Terms and Conditions: the bank's binding contract with you. What to look for.
- Blog
Annual Fees Demystified: When They're Worth It, When They're Not
A ₹10,000 annual fee can be a bargain or a rip-off. Here's how to decide on the math, not the marketing.
- Blog
Credit Card Fraud in India: The Numbers and the Protections
Card fraud is rare in India — and dropping. Here's what the RBI's data shows and how the protections have evolved.
- Blog
How to Read Your Credit Card Statement (and Spot Errors)
A credit card statement has 30+ line items. Here's what each one means and which ones to verify.
- Blog
Credit Card vs Personal Loan: The Real Cost of Borrowing ₹5 Lakh
When the credit card is cheaper than a personal loan, and when it's dramatically more expensive.
- Blog
EMI Conversion on Credit Cards: When It Saves You Money, When It Costs You
EMI rates of 12%–24% are cheaper than revolving at 42%–51%. But EMI has its own traps — processing fees, GST, and prepayment penalties.
- Blog
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.
- Blog
Every Credit Card Fee Explained in Plain English
Annual fee, late fee, finance charge, cash advance fee, EMI fee — what each one is, when it applies, and what it costs.
- Blog
Interchange Fees in India: How They Shape Your Credit Card Rewards
Every swipe generates 1.5% in interchange. Here's how the bank splits that between profit and rewards.
- Blog
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.
- Blog
How Indian Banks Actually Price Credit Cards — Interchange, MDR, and the Spread
Every 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.
- Blog
GST on Credit Card Fees in India: Every Charge That Has It, and Which Don't
Annual fees, finance charges, late fees, cash advance fees, EMI processing fees — most of them carry 18% GST.
- Blog
RBI Credit Card Policy Changes in 2026: What Cardholders Need to Know
Late-fee caps, finance-charge review, e-mandate framework, and tokenisation. The RBI's 2026 agenda for credit cards.