Research Library
Expert guides on Indian credit cards. No fluff, no affiliate bias.
Travel
13 articles
Vistara Shutdown: What Happened to Club Vistara Miles?
Club Vistara miles transferred to Air India Flying Returns after the merger. Here's what changed, what expires March 31, 2026, and your best next m...
IndiGo BluChips: Are They Worth Collecting?
An honest breakdown of IndiGo's BluChip loyalty program — earning rates, redemption value, tier benefits, and whether Indian travellers should both...
Air India Flying Returns: How to Earn and Redeem Miles
Complete guide to Air India's Flying Returns loyalty programme — how to earn miles flying and with Indian credit cards, tier benefits, and smart re...
International Travel Credit Card Checklist for Indians
A practical checklist for Indians picking credit cards for international travel — forex markup, lounge access, travel insurance, and the cards that...
Earn Airline Miles with Indian Credit Cards: Complete Guide
Learn how to earn and redeem airline miles with the best Indian credit cards in 2026. Covers Axis, HDFC, ICICI, SBI miles cards with fees, earn rat...
Best Credit Cards for Airport Lounge Access in India
The best credit cards for airport lounge access in India in 2026 — honest picks for frequent flyers, weekend travelers, and everyone in between.
Best Travel Credit Cards in India 2026
Compare the best travel credit cards in India for 2026. Lounge access, low forex markup, and air miles — honest picks for Indian frequent flyers.
Air India Flying Returns vs IndiGo BluChip: India's Frequent Flyer Programs Compared
India has two main airline loyalty programs — Flying Returns and BluChip. Here is how they work, what your miles are worth, and which program is be...
Best Zero Forex Markup Credit Cards in India (2026)
Top zero forex credit cards in India for 2026 — Scapia, IDFC First Wealth, Niyo Global and more. Save 2–3.5% on every international transaction.
Credit Card Travel Insurance India: What Is Covered and How to Claim
Most Indian credit card holders have travel insurance and do not know it. Here is what is actually covered, how to activate it, and the step-by-ste...
The DCC Trap: Why You Should Always Pay in Local Currency Abroad
Dynamic Currency Conversion (DCC) costs Indians 10–15% extra abroad. Learn to spot and refuse it at POS terminals, ATMs, and hotels.
HDFC Regalia Gold vs Axis Atlas 2026: Which Travel Card Wins?
The two most popular premium travel credit cards in India, head-to-head. Lounge access, forex savings, miles earn rate, and who each card is actual...
Credit Card Lounge Access India 2026: The Quarterly Spend Rule Explained
Banks added Rs 35K to Rs 1.5L quarterly spend conditions on lounge access in 2024-25. Here is which cards changed, what the conditions are, and how...
Compare
6 articles
Scapia Credit Card Review: Is It Worth It for Travel?
Honest Scapia credit card review for Indian travellers — zero forex, free lounge access, lifetime free. Is it the best no-fee travel card in India?
IDFC First Wealth vs Scapia: Best Zero Forex Card India
IDFC First Wealth vs Scapia — a head-to-head comparison of India's top zero forex markup credit cards for international travel and overseas spendin...
SBI Elite vs HDFC Regalia: Which Premium Card Is Better?
SBI Elite vs HDFC Regalia — a head-to-head comparison of fees, rewards, lounge access, and travel perks for Indian cardholders in 2026.
Amazon Pay ICICI vs Flipkart Axis Card: Best for Online Shopping?
Honest comparison of Amazon Pay ICICI and Flipkart Axis credit cards for Indian online shoppers — cashback rates, fees, lounge access, and which on...
Best Cashback Credit Cards in India 2026
Top cashback credit cards in India for 2026 — compare Axis Ace, SBI Cashback, HDFC Millennia, and more. Real rates, honest trade-offs, zero fluff.
HDFC Infinia vs Axis Atlas: Which Travel Card Wins in 2026?
HDFC Infinia vs Axis Atlas compared on rewards, lounge access, forex charges, and value for Indian travellers in 2026. Which premium travel card is...
Basics
2 articles
Best Credit Cards for First-Time Users in India
Honest picks for your first credit card in India — lifetime-free options, beginner-friendly rewards, and what Indian banks won't tell you upfront.
How Credit Cards Work in India: A Beginner's Guide
Learn how credit cards work in India — billing cycles, interest rates, RBI rules, and how to pick your first card without getting burned.
Rewards
1 article
India Rules
4 articles
TCS on International Credit Card Spends: Complete Guide
20% TCS applies on international credit card spends above ₹7 lakh under LRS. Here's how it works, who pays, and how to claim it back on your ITR.
Understanding Forex Markup on Indian Credit Cards
What is forex markup on Indian credit cards, how much do banks charge, and which cards waive it entirely? A no-nonsense guide for Indian travellers.
RBI Credit Card Rules Every Indian Must Know (2026)
Key RBI credit card rules for 2026: billing transparency, auto-debit consent, fraud protection, and credit score rights every Indian cardholder mus...
HDFC Lounge Access: The ₹35,000 Quarterly Spend Rule Explained
HDFC's ₹35,000 quarterly spend rule for lounge access explained — which cards, what counts, what doesn't, and how to work around it.
Calculators
2 articles
Credit Card EMI Calculator: True Cost of EMI in India
Calculate the real cost of credit card EMI in India. Compare processing fees, GST, and hidden charges across SBI, HDFC, ICICI, and Axis Bank before...
Credit Card Reward Points Calculator for Indian Banks
Calculate the real rupee value of your HDFC, SBI, Axis, ICICI, and Amex India reward points. India-specific rates, redemption rules, and 2026 chang...
Glossary
8 articles
Annual Fee
What is a credit card annual fee in India? How yearly charges work, when they're waived, and how to avoid them.
Available Credit
What is available credit on a credit card? How to check your remaining spending power on Indian credit cards.
Annual Percentage Rate (APR)
What is APR on credit cards in India? How annual percentage rate affects your interest charges and total cost of borrowing.
Billing Cycle
What is a credit card billing cycle? How your monthly statement period works on Indian credit cards and why timing matters.
50 Credit Card Terms Every Indian Should Know
A plain-English glossary of 50 credit card terms — from APR and MAD to DCC and CIBIL — with India-specific examples, RBI rules, and real rupee figu...
Credit Limit
What is a credit card limit in India? How banks decide your limit and how to increase it responsibly.
Joining Fee
What is a credit card joining fee? One-time charges when you get a new card in India, and how to avoid them.
Minimum Due
What is minimum due on a credit card in India? Why paying only the minimum is a costly trap and how to avoid it.