How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
2005 posts · Page 100 of 168
How-To GuidesJoint credit cards in India: who is liable when two people share a card
"Can my spouse and I get a joint credit card?" is a question Indian banks answer with a polite no — true joint credit cards, where two people are equal co-owners of one credit line, are essentially not offered in India.
How-To GuidesLending your card to family: what a guest-user spend really means for you
Handing your credit card to a parent, sibling, or spouse for a purchase feels like a small family favour — and most of the time, it is. But a credit card is not cash. Every rupee spent on it is debt in your name, reporte
How-To GuidesGift and subscription pooling: sharing costs without sharing card numbers
Pooling money with friends for a gift, or splitting a subscription across a household, is one of the most common shared expenses — and one of the easiest to get wrong. The temptation is to pass around a card number so ev
How-To GuidesSplitting dinner bills: the maths that ends the you-owe-me loop
The dinner-bill negotiation is a small social ritual everyone recognises: the bill arrives, phones come out, someone proposes an equal split, someone else quietly notes they only had a salad, and five minutes pass in inc
How-To GuidesGroup trip money: one card for bookings, many people for the bill
Group trips have a predictable financial arc: excitement at booking time, vague assurances that "we'll settle later", and a fortnight of awkward reminders after everyone is home. The amounts are larger than dinner bills
How-To GuidesShared flat expenses: rent, groceries and bills on one card, settled monthly
Flatmates who split expenses badly end up with a special kind of resentment — the slow-burn kind, measured in unreimbursed grocery runs and electricity bills paid by whoever noticed first. The fix is structural: route th
How-To GuidesUPI split vs card split: how settlement speed and records differ
When a bill lands on the table, you have two broad ways to divide it: everyone pays their share directly through UPI, or one person pays the whole amount by card and collects the shares afterwards. Both settle the mercha
How-To GuidesSplitting bills with friends: the card route that actually settles fairly
Every group of friends has a bill-splitting story that ended in awkwardness: someone paid the whole restaurant bill on their card, three people promised to send their share "tomorrow", and two weeks later the payer is st
How-To GuidesMerchant discount rate (MDR): what it is, and why your rewards exist
Every time you swipe a credit card, the merchant doesn't receive the full amount you paid. A slice is deducted before the money reaches them — the merchant discount rate, or MDR. That slice is the hidden engine of the en
How-To GuidesLate-payment fee tiers: how the slabs are structured and how to never pay one
Miss a credit-card due date and the punishment comes in three layers: a late-payment fee, interest on the outstanding from the purchase date, and a black mark on your credit report if the delay stretches past 30 days. Th
How-To GuidesOver-limit fees: how they work and how utilisation guards keep you under the line
Credit limits feel like hard walls until the day a transaction sails through above them — and then the over-limit fee arrives. Going over your limit is not just a billing event; it is a credit-health event too, because h
How-To GuidesGST on credit card fees and interest: how the 18% tax layer works on your bill
Open any credit-card statement that carries a fee and you'll find the fee listed twice: once as the fee, once as the GST on it. Since the GST rollout, financial services — including everything your card issuer charges yo