How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
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How-To GuidesVirtual cards for online shopping safety: the complete playbook
Online card fraud in India overwhelmingly starts with a compromised card number — a breached merchant, a phishing page, a skimmer on a shady gateway. Virtual cards neutralize the entire category: the number the criminal
How-To GuidesHow to create a virtual credit card: issuer-by-issuer guide (2026)
Creating a virtual credit card takes about two minutes in most Indian banking apps — but the option hides in different menus at every issuer. This guide walks through the general process and where to find it.
How-To GuidesRBI tokenization rules explained: what changed for your card in 2026
Since October 2022, RBI has barred merchants from storing your actual card number. Instead, every saved card becomes a merchant-specific token — a surrogate number useless anywhere else. Four years on, tokenization is in
How-To GuidesVirtual credit cards: what they are and how they work in India
A virtual credit card is a digital-only card number linked to your physical card's account — same credit limit, same billing, same rewards, but a different number you can control, limit, or delete. In India's tokenized p
How-To GuidesClosing an add-on card: process, impact, and timing in 2026
Closing an add-on card is simpler than closing a primary card — but timing matters for fees, rewards, and pending transactions. This guide covers the process across Indian issuers and the mistakes to avoid.
How-To GuidesAdd-on card liability: who actually pays when things go wrong
The primary cardholder is 100% liable for every rupee spent on every add-on card — legally, contractually, and practically. This isn't shared liability or proportional liability. Understanding exactly what that means pro
How-To GuidesDo add-on card spends earn rewards? The 2026 rules
Yes — add-on card spending earns rewards at the same rate as the primary card, credited to the primary holder's reward pool. But "same rate" has fine print: category exclusions, caps, and milestone counting all have add-
How-To GuidesAdd-on cards for parents: what to know before you issue one in 2026
Giving your parents an add-on card is generous — and operationally tricky. Elderly parents have different spending patterns, different fraud vulnerability, and different comfort with digital banking. This guide covers th
How-To GuidesAdd-on cards for your spouse: maximizing household rewards in 2026
For couples, the add-on card is the simplest rewards hack in India: route both partners' spending through one premium card and watch a single reward pool grow twice as fast. But the strategy has traps — reward caps, cate
How-To GuidesSharing your credit limit: how add-on cards split limits in 2026
An add-on card doesn't get its own credit limit — it shares yours. How that sharing works, whether you can cap it, and what happens when someone hits the ceiling are the mechanics most families get wrong. This guide cove
How-To GuidesAdd-on card fees: which issuers charge and which don't in 2026
Add-on card fees are the most overlooked line in card pricing. Some issuers give you three add-ons free; others charge ₹1,500 per card per year — which can quietly exceed the primary card's own annual fee. This guide map
How-To GuidesAdd-on credit cards explained: how supplementary cards work in India
An add-on (supplementary) credit card extends your primary card to a family member — spouse, parent, or child over 18. They get their own physical card with their name on it, but every rupee they spend bills to your acco