How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
2040 posts · Page 109 of 170
How-To GuidesFee-waiver thresholds: how to hit annual spend targets before March 31
Annual fee waivers are the single most common "almost" in Indian credit cards: cardholders miss the spend threshold by a few thousand rupees and pay a fee they could have avoided, or they overshoot wildly and leave rewar
How-To GuidesThe March 31 cardholder's checklist: 12 moves before the financial year ends
Every March, credit cardholders in India face a quiet deadline that has nothing to do with their statement due date. March 31 closes the financial year, and with it go fee-waiver anniversaries, annual spend thresholds, e
How-To GuidesThe ethics and maths of chasing rewards on charitable giving
There is a quiet debate in personal-finance circles: is it clever or cynical to optimise charitable donations for credit card rewards? The question splits into two halves that deserve separate treatment. The maths half a
How-To GuidesDisaster-relief donations: how to give fast without getting scammed
When floods, earthquakes or cyclones strike, the impulse to help is immediate — and so are the fraudsters. Every major Indian disaster spawns a wave of fake fundraising: cloned NGO websites, bogus UPI handles, emotional
How-To GuidesCorporate gifting or CSR? When your company's card meets charity
Every December, finance teams across India face the same question: the company wants to do something charitable — donate to a cause, match employee contributions, or fund a community project — and the corporate credit ca
How-To GuidesTemple and religious donations by card: hundi, e-hundi and online portals
Religious giving in India is moving from the cash hundi to the card terminal. Major temples now accept cards at donation counters, run e-hundi portals online, and process offerings through UPI QR codes. The shift brings
How-To GuidesCrowdfunding medical bills with credit cards: Ketto, Milaap and the fine print
Medical crowdfunding has become India's emergency financial infrastructure. When a family faces a hospital bill it cannot pay, campaigns on Ketto, Milaap and similar platforms can raise lakhs in days — and credit cards a
How-To GuidesDonating reward points to charity: how points-to-donation conversions work
Buried in the rewards catalogues of several Indian banks is an option most cardholders never notice: convert your accumulated reward points into a charitable donation. The bank transfers the cash equivalent to a partner
How-To GuidesRecurring monthly donations on autopay: the mechanics and the risks
For charities, a donor who gives ₹500 every month is worth more than one who gives ₹5,000 once and disappears. Predictable income lets NGOs plan programmes instead of chasing the next campaign. That is why nearly every I
How-To Guides80G tax receipts and card payments: keeping your donation trail clean
The tax deduction for charitable donations under Section 80G of the Income Tax Act is one of the most claimed — and most commonly mishandled — deductions in Indian tax filing. Card payments actually make the documentatio
How-To GuidesWhy most credit cards give zero rewards on donations — and the exceptions
Ask a room of credit card enthusiasts where the points are thinnest, and charitable donations will come up fast. Almost every major Indian credit card explicitly excludes donation transactions from earning reward points,
How-To GuidesDonating with a credit card in India: how it works and what it costs you
Donating by credit card has quietly become one of the most common ways Indians give to charities. NGOs, temples, crowdfunding platforms and disaster-relief portals all accept card payments, and the process usually takes