Guides & how-tos

Everything you need to choose and use a credit card well in India — written plainly, with no jargon and no sales pitch.

Basics

How to Choose Your First Credit Card in India

A practical guide to picking your first credit card in India: eligibility, fees, rewards, and how to use it to build a strong CIBIL score.

6 min read

Understanding Your Credit Card Billing Cycle and Avoiding Interest

How the billing cycle, statement date, due date and grace period work — and exactly how to time spends and payments to never pay interest.

7 min read

Credit Score

How Your CIBIL Score Works and How to Improve It

Understand what a CIBIL score is, how it's calculated, what a good score looks like, and practical steps to build and improve your credit score in India.

7 min read

Fees

Credit Card Fees in India Explained

Joining and annual fees, GST, forex markup, finance charges, fuel surcharge and cash advance fees on Indian credit cards — and how to avoid them.

7 min read

Rewards

Cashback vs Reward Points: Which Is Better?

Cashback or reward points on your Indian credit card? Compare value, simplicity, flexibility and redemption to pick the right type for how you spend.

6 min read

How to Maximise Credit Card Reward Points in India

Know your point value, beat the caps, hit milestones and redeem smart. A practical guide to squeezing maximum value from Indian credit card rewards.

7 min read

Travel

Credit Cards for International Travel: Forex and Lounges

Cut forex markup, use zero-forex cards, unlock airport lounges and Priority Pass. A practical guide to credit cards for international travel from India.

7 min read