How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
2030 posts · Page 106 of 170
How-To GuidesWhen the MCC on your statement looks wrong: what you can do
Sometimes the MCC attached to a transaction is just wrong — a restaurant coded as a grocery store, a hotel coded as a travel agency, a retail purchase carrying a quasi-cash code. Miscoding happens more often than most ca
How-To GuidesTravel MCCs: airlines, hotels and booking portals
Travel is the category where MCC awareness pays the most per transaction, because travel bookings are large and cards often attach their richest bonuses to travel MCCs. It's also the category where the booking channel ch
How-To GuidesGrocery MCCs: supermarkets vs kirana stores
Grocery is most Indian households' largest card-spend category, and it's where MCC differences quietly create the biggest rewards gaps. The same monthly grocery budget can earn meaningfully different rewards depending on
How-To GuidesFuel MCCs: why petrol-pump rewards behave differently
Fuel is the oddest category in the Indian credit-card rewards landscape. It has its own MCCs, its own surcharge mechanics, its own waiver logic, and its own reward exclusions — a parallel system sitting inside your card'
How-To GuidesWallet loads, rent and utilities: the MCC traps to know about
Three of the most common Indian household payments — loading a mobile wallet, paying rent, and paying utility bills — sit in MCC territory that behaves very differently from ordinary retail spending. They are the classic
How-To GuidesHow to find a merchant's MCC before you pay
Knowing that MCCs decide your rewards is only half the battle. The other half is finding out a merchant's MCC before you commit a large payment — because the code is set by the merchant's acquirer, it isn't printed on th
How-To GuidesMCC exclusions: the transactions that silently earn zero rewards
There is a special kind of disappointment reserved for the cardholder who routes a large payment through the "right" card, waits for the rewards to land, and gets nothing. No error, no explanation — the transaction poste
How-To GuidesWhat merchant category codes are — and why they decide your rewards
Every time you swipe, tap, or pay online with your credit card, a quiet piece of information travels along with the money: a four-digit number called the merchant category code, or MCC. It tells your bank what kind of bu
How-To GuidesThe annual card-renewal calendar: a month-by-month checklist
Credit cards don't demand much attention most of the year — until a renewal fee lands, a card expires mid-trip, or an autopay fails silently. A lightweight annual calendar, checked once a month, prevents all three. Here'
How-To GuidesRefund issued to an expired card: how the money reaches you
You return a purchase, the merchant processes the refund — and then you realize the card it was charged to has expired. The money isn't lost, but the route it takes to reach you depends on where your account stands. Here
How-To GuidesCard validity periods in India: why some cards last 5 years and others longer
Flip through your wallet and you'll notice the expiry dates vary: one card runs five years, another eight, a third only three. Card validity periods aren't random — they reflect issuer policy, card-network rules, and the
How-To GuidesRenew or upgrade? Deciding when the renewal-fee notice arrives
The renewal-fee notice is the one moment each year when inertia meets arithmetic. Most cardholders either auto-pay the fee without thinking or threaten to close in irritation. There's a better third option to evaluate fi