How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
2070 posts · Page 122 of 173
How-To GuidesThe luxury card verdict: which one deserves your wallet in 2026
Ten articles, dozens of cards, one question: which luxury card should actually live in your wallet? This is the decision framework — the honest, numbers-first method for picking a luxury card in October 2026, plus our ve
How-To GuidesInvite-only cards in India: Amex Centurion and the private banking route
Some cards you apply for. Others you are chosen for. India's invite-only tier — led by the American Express Centurion and a growing set of private-banking cards — works by a different logic: no application form, no publi
How-To GuidesLuxury card perks decoded: concierge, golf, limo transfers in 2026
Luxury cards sell a fantasy: a concierge who fixes impossible dinners, golf on the world's best courses, a car waiting when you land. The reality is more useful than the fantasy — if you know how each perk actually works
How-To GuidesThe business card verdict: which one for your company size
Nine articles into this business-cards series, here is the decision this whole batch has been building toward: which card for *your* company size. Not the "best" card in abstract — the right card for the spend volume, st
How-To Guides7 business credit card myths that cost you money
Business credit cards attract confident-sounding advice that is wrong in expensive ways. Each myth below is something founders and finance managers genuinely believe — and each one has a price tag. All figures trace to c
How-To GuidesMaximizing rewards on business spends: vendor payments, ads, SaaS
A business that routes ₹20 lakh a year through credit cards at an average 2% reward rate earns ₹40,000 of value — roughly a junior employee's monthly salary — for doing nothing except paying bills through the right plast
How-To GuidesExpense management with business cards: the 2026 playbook
Most companies don't have an expense problem — they have an expense *visibility* problem. Money leaves through five different personal cards, UPI apps, and "I'll reimburse you" promises, and finance discovers it all in a
How-To GuidesGST on business card spends: input credit rules explained
One of the most expensive misunderstandings in Indian small business: "I paid with the company card, so I can claim GST on it." Paying by credit card does not create a GST credit — the vendor's invoice does. Whether you
How-To GuidesCredit cards for startups: managing burn with credit in 2026
For a startup, a credit card is not about lounge access or reward points. It is a 50-day interest-free loan that renews every month, an expense-tracking system that costs nothing to run, and — if you are careless — a 43%
How-To GuidesThe 10 redemption mistakes that destroy point value
Most reward points aren't lost to devaluation or expiry. They're lost to ordinary, avoidable mistakes — the wrong click, the unlinked account, the balance left to rot. Each mistake below costs real money, quantified wher
How-To GuidesDevaluation-proofing your points: earn-and-burn strategy
In April 2026, Axis Bank removed Accor, Marriott Bonvoy, and Qatar Airways from its TravelEdge transfer program with zero advance notice. Cardholders who had spent years building EDGE balances for hotel redemptions woke
How-To GuidesReward point expiry in 2026: which programs expire and how to stop it
Every year, Indian cardholders silently forfeit crores of rupees in expired reward points — money they earned through real spending, vaporized by a calendar. Expiry rules differ wildly between banks: some points live 2 y