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Articles tagged gst.
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.
Auto-debit reversals, dispute timelines, and the bank's burden of proof. What changed and what to do.
Late-fee caps, minimum amount due rules, tokenisation rollout, and the new e-mandate framework — what they mean for you.
Both let you access cash on a credit card. The fees, interest rates, and grace periods differ dramatically.
Annual fee, late fee, over-limit fee, cash advance fee — most can be reversed if you ask the right way.
A loan against your credit-card limit lets you borrow against your card. The rate is high; the convenience is real.
Most Important Terms and Conditions: the bank's binding contract with you. What to look for.
A ₹10,000 annual fee can be a bargain or a rip-off. Here's how to decide on the math, not the marketing.
A credit card statement has 30+ line items. Here's what each one means and which ones to verify.
When the credit card is cheaper than a personal loan, and when it's dramatically more expensive.
If you've ever carried a balance 'just for a few days', you've paid more than you think. The math, in plain terms.
Annual fee, late fee, finance charge, cash advance fee, EMI fee — what each one is, when it applies, and what it costs.
Section 10(4)(i) exempts cashback and rewards from income tax. The 2023 TDS rule covers gaming winnings, not card rewards.
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.
Annual fees, finance charges, late fees, cash advance fees, EMI processing fees — most of them carry 18% GST.
Late-fee caps, finance-charge review, e-mandate framework, and tokenisation. The RBI's 2026 agenda for credit cards.
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