Cashback vs Reward vs Travel Credit Cards: Which Is Best?
Cashback, reward points or travel miles? See how each credit card type works, what a point is really worth, and which suits your spending, as of October 2026.
· 5 min read
Credit Card Guides
Billing cycles, interest, minimum due, utilisation and rewards: use credit cards in India without paying a rupee of interest.
All credit cards articles
Credit Card Against FD: How Secured Cards Work in India
How a credit card against FD works in India: limits, minimum deposit, interest, risks and how it builds a CIBIL score, with a worked example as of October 2026.
· 5 min read
Credit Card Billing Cycle Explained: Dates and RBI Rules
Credit card billing cycle explained: statement date vs due date, how to get up to 50 interest-free days, and RBI's rule letting you change your billing cycle.
· 6 min read
Credit Card Chargeback vs Refund: Timelines and Steps
Credit card chargeback vs refund: when to ask the merchant, when to dispute with your bank, Visa's 120-day window, RBI fraud timelines and how to file.
· 6 min read
Credit Card EMI and Your Credit Limit: What Gets Blocked
Converting a card purchase to EMI blocks your credit limit until you repay. See how the limit is released, what EMI conversion costs and how it affects CIBIL.
· 5 min read
Credit Score Dropped Despite Paying EMI on Time? 9 Reasons
Paid every EMI on time but your CIBIL score still fell? Here are 9 common reasons, how to check which one applies, and how to dispute errors under RBI rules.
· 6 min read
Credit Utilization Ratio: What It Is and Ideal Level
Credit utilization ratio explained for Indian cardholders: how to calculate it, why staying under 30% helps your CIBIL score, and five ways to lower it fast.
· 6 min read
How Credit Card Interest Works in India (With Example)
How credit card interest works in India: daily-balance calculation, how a partial payment kills your interest-free period, and why 18% GST raises the cost.
· 7 min read
Minimum Amount Due Trap: Why Paying It Costs You Lakhs
The minimum amount due trap explained: paying only the minimum on a ₹1 lakh card balance takes about 30 years and costs over ₹4 lakh in interest and GST.
· 6 min read
No-Cost EMI Hidden Charges: Is It Really Free?
No-cost EMI is not always free. See how the interest is hidden as a discount, what GST and processing fees add, and a worked ₹60,000 example as of October 2026.
· 6 min read
Should You Close Your Oldest Credit Card? A Decision Guide
Should you close your oldest credit card? Its effect on CIBIL score, credit age and utilization, cheaper alternatives, and RBI card closure rules for 2026.
· 6 min read