How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
2070 posts · Page 124 of 173
How-To GuidesPaying rent with credit cards in 2026: platforms, fees, and reward math
Paying rent by credit card in India has gone from a rewards hack to an obstacle course. Banks have spent the last two years stripping rewards off rent transactions and adding fees on top, and a September 2025 RBI payment
How-To GuidesPaying electricity and water bills with credit cards: rewards, fees, and caps
Electricity and water bills are the two most universal household payments in India, and both can be paid by credit card through your bank's app, the biller's website, or aggregator apps like Google Pay, PhonePe, Paytm an
How-To GuidesDining milestones and quarterly benefits: the cards that pay you to eat out
Beyond per-transaction rewards, several Indian credit cards pay you lump sums for *hitting spend targets* — milestone bonuses, quarterly vouchers, and annual fee waivers that turn routine dining spend into outsized retur
How-To GuidesGrocery reward caps: the monthly limits that quietly eat your cashback
Every grocery credit card advertises a glittering reward rate — 10%, 5%, "up to" this and that. Almost none advertises the number that actually determines your return: the monthly cap. A 10% card with a ₹1,000 monthly ca
How-To GuidesDining networks decoded: EazyDiner, Gourmet Passport, and card dining programmes
Three different systems sell you "dining discounts" in India, and they work in fundamentally different ways: restaurant-reservation networks (EazyDiner), membership dining clubs (Gourmet Passport-style programmes), and b
How-To GuidesNo credit history? No problem: 7 ways to get approved anyway
"No credit history" is the most common reason first-time applicants get rejected — and the most solvable. Banks have spent the last decade building on-ramps specifically for people with blank bureau files. Here are seven
How-To GuidesParents' guide to children's first credit cards: add-ons, limits, and guardrails
Your 18-year-old wants a credit card. You're somewhere between proud and terrified — proud they're thinking about financial independence, terrified they'll learn about 42% p.a. interest the hard way. Good news: you have
How-To GuidesThe first-card upgrade path: when and how to graduate to a real rewards card
You started with an FD-backed card, paid every bill in full, and watched your CIBIL climb from "NA" to 700+. Now the pre-approved offers are landing and you're wondering: when do I graduate to a real rewards card, and ho
How-To GuidesYour first credit card in 2026: the complete starter's guide
Getting your first credit card is one of those small decisions that compounds for decades. Do it right and you walk into your first home loan with a 750+ CIBIL score and banks competing for your business. Do it wrong and
How-To GuidesThe insurance claim playbook: documents, timelines, and escalation paths
Every credit card insurance claim — purchase protection, travel inconvenience, air accident, card liability — is decided by the same three things: the right documents, filed within the right deadlines, through the right
How-To GuidesChargebacks in India: how to dispute a transaction and win
The merchant won't refund you. The order never arrived, the subscription you cancelled is billing again, or a charge you never authorized sits on your statement. Your next move is not the consumer court — it's the charge
How-To GuidesZero-liability and fraud protection: RBI's rules for unauthorized transactions
Someone clones your card details and spends ₹80,000 online at 2 AM. You wake up to the SMS alerts. How much of that ₹80,000 is legally yours to lose? In India, the answer is not "whatever the bank decides" — it is set by