How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
2040 posts · Page 110 of 170
How-To GuidesUsing old reward balances: expiry checks and smart redemption for dormant points
Somewhere in your financial life there is probably a forgotten balance: reward points on a card you barely use, miles from a trip years ago, cashback sitting in an app you stopped opening. In retirement, when every rupee
How-To GuidesSenior banking concessions in India: what actually exists and how to use them
Banks in India do offer genuine concessions to senior citizens — but they are scattered across circulars, product pages, and branch practices, and nobody hands you a consolidated list on your sixtieth birthday. This guid
How-To GuidesThe statement-as-budget method: credit card budgeting on a fixed income
Budgeting apps ask you to log every expense; most retirees abandon them within a month. There is a simpler method hiding in plain sight: route nearly all spending through one credit card, pay it in full each month, and l
How-To GuidesAdd-on cards and estate planning: authorised users, succession and nominees
Add-on cards — also called supplementary or authorised-user cards — are one of the most useful and most misunderstood tools in a retiree's financial kit. Used well, they give a spouse or adult child controlled spending p
How-To GuidesGetting rewarded on medical spends: pharmacy, diagnostics and hospital bills
Medical spending is one of the largest and most unavoidable budget lines in retirement: monthly prescriptions, periodic diagnostics, specialist consultations, and the occasional hospital stay. Yet it is also the category
How-To GuidesThe retiree's low-fee card strategy: lifetime-free and fee-waiver planning
When income stops growing, every recurring charge deserves a second look. Annual credit card fees are one of the quietest leaks in a retirement budget: they auto-debit once a year, are easy to overlook in a busy statemen
How-To GuidesCredit cards after retirement: what pensioners should look for
Retirement changes the shape of your money. A salary that arrived like clockwork is replaced by pension credits, interest payouts, and the occasional family transfer. Spending slows, becomes steadier, and leans towards e
How-To GuidesForex card vs credit card for travel: a side-by-side comparison
The two default tools for spending abroad — the prepaid forex card and the credit card — solve the same problem in opposite ways. One locks your rate in advance with your own money; the other converts at the moment of pu
How-To GuidesTCS and LRS on international card spends: rates, thresholds and how it works
Two acronyms govern the tax side of spending abroad: LRS, the RBI's Liberalised Remittance Scheme, and TCS, the tax collected at source on remittances under it. The rules changed with the Finance Act 2026, and the single
How-To GuidesMulti-currency and wallet cards: locking in exchange rates, explained
Multi-currency cards — sometimes called forex cards or travel wallet cards — work on a different principle from credit cards. Instead of converting at the moment of purchase, you load foreign currency onto the card in ad
How-To GuidesBooking portals vs airline websites: how rewards and payment rails differ
The same flight can be booked on the airline's own website or through an online travel portal — and for a credit-card user, the two routes are not equivalent. Rewards, pricing, cancellation flexibility, and even how the
How-To GuidesTravel insurance on credit cards: cover, claims and the fine print
Many premium credit cards bundle complimentary travel insurance — cover that activates automatically when you pay for travel with the card. It is a genuinely valuable benefit, and it is also one of the most misunderstood