MCC Codes Explained: How Banks Use Them to Decide What Counts
A Merchant Category Code is a 4-digit number attached to every transaction. It controls rewards, milestones, and exclusions.
Aanya Iyer4 min read
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#Reward Points
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.
Aanya Iyer4 min read
Cashback vs Reward Points vs Air Miles — Which One Is Best for You?
All three are ways to earn on your card. The right pick depends on your spend, your redemption habits, and your flexibility.
Devansh Kapoor4 min read
When Do Reward Points Expire on Indian Cards? The Full List
HDFC points don't expire. Axis EDGE Miles expire in 24 months. Amex MR points expire in 36 months. Here's the rest.
Aanya Iyer4 min read
Rewards MathFeatured
How Indian Banks Design Reward Programmes — The Math Behind the Headline Rate
Every rewards programme has three knobs: earn rate, cap, and burn value. Here's how banks tune them.
Rohan Mehta4 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.
Isha Patel3 min read
Rewards MathFeatured
How to Value a Reward Point — The Math That Actually Matters
Most Indian cards quote '1 point = ₹X' but the real value depends on how you redeem. Here's the framework we use.
Aanya Iyer3 min read
BasicsFeatured
Your Credit Card Billing Cycle, Explained in Plain English
The billing cycle is the engine of every reward, fee, and interest decision on your card. Here's exactly how it works in India.
Aanya Iyer3 min read
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