How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
2030 posts · Page 105 of 170
How-To GuidesEstate planning for cardholders: a practical addendum to your will
A will distributes a person's assets. It almost never mentions their credit cards. That omission is understandable — nobody writes "and my three credit cards" into a legal document — but it leaves the family to reconstru
How-To GuidesThe document checklist: death certificate, succession papers and bank letters
Ask any family that has settled a deceased person's card accounts what slowed them down, and the answer is almost never the bank's process — it is the documents. One certificate missing, a name spelled differently on two
How-To GuidesDormant cards of the deceased: the fraud risk families miss
Every estate has them: the cards nobody was using. A card taken for a joining bonus and forgotten. An old card kept "just in case." A card the deceased stopped using years ago but never formally closed. In life, a dorman
How-To GuidesPower of attorney and operating someone else's card account: the limits
In Indian families, one person often ends up managing everyone's money — the son who pays his elderly mother's bills, the daughter who handles her father's cards because he finds apps confusing, the spouse who runs the e
How-To GuidesRecovering unclaimed rewards, deposits and refunds of a deceased cardholder
When families settle a deceased person's card accounts, almost all the attention goes to the bill. Almost none goes to the other side of the ledger: the reward points sitting on the account, the security deposits the ban
How-To GuidesSaved cards, subscriptions and autopay mandates after a death: the digital cleanup
In an earlier era, a deceased person's credit cards were physical objects in a wallet, and closing them ended the story. Today the story continues online: the card number lives on in merchant vaults, subscription billing
How-To GuidesSupplementary cards after the primary holder's death: what happens to family members' cards
Supplementary cards are everywhere in Indian families — a spouse's add-on card on the husband's account, a child's card piggybacking on a parent's limit, an elderly parent's card tied to a working child's account. When t
How-To GuidesWho pays the credit card bill after the cardholder dies
One of the most anxious questions families face after a death is also one of the most misunderstood: is someone in the family now personally liable for the deceased's credit card bill? The short answer is no — unless you
How-To GuidesNominees on credit card accounts: what the nomination actually does
Many Indian credit cardholders have at some point filled in a "nominee" field during onboarding or in the bank's app, often without reading the fine print. After a death, families frequently arrive at the bank believing
How-To GuidesClosing a deceased family member's credit cards: the process, step by step
When a family member dies, closing their credit cards is one of those quiet administrative tasks that can easily get lost between the rituals, the mourning, and the paperwork that feels more urgent. But leaving a card ac
How-To GuidesDesigning your card stack around MCCs
Most people choose credit cards by headline features — the joining bonus, the advertised reward rate, the lounge access. But cards don't earn rewards on headlines; they earn on MCCs. Designing your card stack around merc
How-To GuidesMCCs and milestone spending: what counts toward fee-waiver and bonus thresholds
Many Indian credit cards dangle milestone-linked benefits: spend a threshold amount in a year and the annual fee is waived, or bonus points unlock, or a voucher gets issued. What cardholders often discover too late is th