India Credit Card Rules
India has unique regulations that affect how you use credit cards -- especially for travel and international transactions. RBI rules, FEMA limits, TCS, forex GST, and more -- know the rules before you swipe.
Axis Bank Reward Devaluation 2025: What Changed & Why
Axis Bank overhauled credit card rewards in June 2025, switching from MCC codes to internal categories. Impact on Magnus, Atlas, and Reserve cards.
Read articleMinimum Due Trap on Indian Credit Cards — The Math That Destroys You
Paying only the minimum due on your Indian credit card? Here's the exact math showing how Rs 1 lakh becomes Rs 2.4 lakh, and what RBI's new rules mean for you.
Read articleGST on Credit Card Fees India 2026: Every Charge Taxed
18% GST applies to annual fees, late charges, EMI interest, and forex markup on Indian credit cards. Exact tax amounts on common charges and how to minimize.
Read articleHDFC Bank Reward Devaluation History — Every Cut Since 2020
A complete timeline of every HDFC Bank credit card reward devaluation since 2020 — Infinia, Regalia, Diners Club, and more. What changed, when, and what it.
Read articleRBI Tokenisation for Credit Cards: What It Means for You
RBI tokenisation replaces your saved credit card numbers with secure tokens. Here's how it works, what changed, and what Indian cardholders need to know in.
Read articleTCS on International Credit Card Spends India 2026
TCS rates on international credit card spending, LRS rules, exemptions, and how to claim refunds when filing ITR. Updated rules for 2026.
Read articleAdd-On Credit Cards in India: Rules, Benefits, and Risks
Everything about add-on credit cards in India — eligibility, fees, credit limit sharing, RBI rules, and whether they're worth it for your family in 2026.
Read articleBalance Transfer on Credit Cards: RBI Rules and Best Options
Understand credit card balance transfer rules in India, RBI guidelines, best bank options, and how to save thousands on outstanding credit card debt.
Read articleCredit Card EMI Hidden Costs: Processing Fees & RBI Rules
Credit card EMI in India comes with hidden processing fees, GST, and interest that banks don't advertise upfront. Understand RBI rules and real costs before converting any purchase to EMI.
Read articleRBI Limit on International Credit Card Transactions India
Understanding RBI limits on international credit card transactions in India — LRS rules, TCS exemptions, prohibited transactions, and what it means for your.
Read articleCredit Card Surcharge India: Is the 2% Extra Legal?
Merchants charging 2% extra on credit card payments in India is illegal per RBI. Know your rights and how to report surcharge violations.
Read articleHDFC Millennia Quarterly Spend Rule: Thresholds & Rewards
HDFC Millennia quarterly spend thresholds for credit and debit cards. Rewards, lounge access, and how to hit your targets in India.
Read articleCredit Card Forex Markup + GST: The Real Math for India
Indian credit cards charge 1.5-3.5% forex markup plus 18% GST on top. See the exact math, real card comparisons, and how to stop overpaying on international.
Read articleAre Credit Card Reward Points Taxable in India?
Find out if credit card reward points are taxable in India under current income tax rules, how cashback differs from sign-up bonuses, and what the new 2025.
Read articleCredit Card Closure Rules India: RBI 7-Day Rule & Rights
RBI mandates banks must close your credit card within 7 days. Know your cardholder rights, penalty provisions, and how to handle banks that stall your request.
Read articleCredit Card Complaint to RBI: Step-by-Step Guide India
File a credit card complaint with RBI: bank grievance cells, Banking Ombudsman, and CPGRAMS. Step-by-step process for Indian cardholders.
Read articleThe Minimum Due Trap: Why Paying Minimum Is Dangerous in India
Paying only the minimum due on your Indian credit card? Learn why 36-42% annual interest makes this a dangerous debt trap and how to escape it.
Read articleCredit Card Late Payment Charges India 2026 — RBI Caps
RBI caps late payment fees based on outstanding balance. See updated fee slabs for HDFC, SBI, ICICI, Axis and 3 ways to avoid late charges entirely.
Read articleGST on Credit Card Charges India — 18% Hidden Tax
18% GST applies to every credit card fee — annual charges, late fees, EMI processing. Rs 5,000 annual fee becomes Rs 5,900. See how to reduce your total cost.
Read articleTCS on Credit Card International Spending 2026: How to Claim Refund
20% TCS on international credit card spends above Rs 7 lakh. How it works, how to claim refund in ITR, and which transactions are exempt.
Read articleFEMA Limits for Credit Cards Abroad: India 2026 Rules
FEMA LRS cap of USD 2,50,000 for credit card spends abroad. Understand TCS slabs, exemption limits, and how RBI regulations affect your international.
Read articleCan You Change Your Credit Card Billing Date? Yes — Here's How
RBI says banks must allow billing cycle changes. How to request one, the cooling period, and timing tricks to get up to 50 interest-free days.
Read articleTCS 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.
Read articleUnderstanding 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.
Read articleRBI 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 must know.
Read articleHDFC 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.
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