Credit cards guides
7 guides · 42 min of reading · in plain words
- 1
How to choose a credit card in India based on how you spend
A practical way to pick a credit card: start from your own spending, work out what a card is really worth after fees, and avoid the common traps.
6 min readRead guide → - 2
Credit card annual fee: when it is worth paying and when to waive it
How to decide whether a credit card annual fee is worth it, how fee waivers really work, and how to compare a fee against the value you get back.
5 min readRead guide → - 3
How credit card interest and the billing cycle really work
Understand the statement date, due date and interest-free period, why paying only the minimum is costly, and how to use a card without paying interest.
6 min readRead guide → - 4
Reward points vs cashback vs miles: which is right for you?
Compare credit card reward points, cashback and travel miles, how to judge what each is really worth, and which type suits which kind of spender.
5 min readRead guide → - 5
Secured credit cards: how to build a credit history from zero
How a credit card secured against a fixed deposit works, who it suits, what it costs, and how to use it to build a credit score in India.
5 min readRead guide → - 6
Credit card charges explained: late fee, forex markup, cash withdrawal and GST
A plain guide to the charges a credit card can add beyond the annual fee: finance charges, late fees, cash advance fees, forex markup, EMI processing fees, fuel surcharge and GST, and how to avoid each.
8 min readRead guide → - 7
No-cost EMI: what it really costs you
How no-cost EMI offers actually work in India, where interest, discounts, processing fees and GST come in, a worked example of the true cost, and when it can still be worth using.
7 min readRead guide →
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