How-To Guides

Add-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

8 Oct 20262 min read

Add-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

Sharing 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

Add-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

Add-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

The Diwali verdict: your 2026 festive shopping plan

Diwali 2026 falls on Sunday, November 8. The sales open in early October, Dhanteras lands on November 6, and the whole season is roughly five weeks long. That is enough time to do this properly — and enough time to get i

Diwali travel: booking flights and hotels with points

Diwali is India's great homecoming — and with the festival falling on Sunday, November 8, 2026, the travel window is already taking shape. Govardhan Puja follows on Monday, November 9, and Bhai Dooj on Tuesday, November

Diwali gifting: maximizing rewards on every gift

Diwali gifting is a budget category of its own — family, friends, colleagues, staff, clients. Each gift feels small; the total never is. Twenty gifts at ₹1,000 is ₹20,000, and most of it is bought in a two-week rush when

The Diwali budget: celebrating without the January regret

Every year the same pattern plays out. October and November bring gifts, gadgets, gold, travel, and parties. January brings the credit card statements — plus school fees, plus wedding season. Festive spending drops sharp

Electronics at Diwali: the card + EMI + exchange stack

Electronics are the heart of Diwali shopping — smartphones, TVs, laptops, large appliances. They are also the category where stacking works best: platform discounts, bank instant discounts, card cashback, exchange bonuse

Buying gold this Diwali: cards, EMI, and digital gold

Dhanteras — Friday, November 6, 2026 — is traditionally the biggest gold-buying day of the year. Households buy gold, silver, copper, or steel on this day, and jewellers respond with festive offers. But gold bought the w