How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
2070 posts · Page 125 of 173
How-To GuidesAir accident cover on credit cards: ₹1 crore promises, decoded
Few credit card benefits sound as dramatic as "₹1 crore air accident cover." It sits in bold on premium card brochures, right next to the lounge access line. But what does the promise actually cover, who gets paid, and w
How-To GuidesComplimentary travel insurance on credit cards: coverage limits that matter
"Complimentary travel insurance" is one of the most heavily marketed credit card perks — and one of the least understood. The headline says "travel cover." The fine print says things like "₹2,500 deductible," "time deduc
How-To GuidesExtended warranty benefits on credit cards: the free coverage you're ignoring
Retailers will happily sell you an extended warranty for your new laptop, TV, or washing machine — a plan that can cost anywhere from around ₹1,000 to over ₹20,000 depending on the appliance and tenure. Meanwhile, the cr
How-To GuidesPurchase protection on credit cards: what's covered, for how long, and how to claim
Your new phone was bought on your credit card. Three weeks later, a break-in at home takes it away. Did your card just pay for the loss — or did you pay the EMI on a phone you no longer own? For cardholders with purchase
How-To GuidesWhy banks devalue credit cards: the economics behind the cuts
Every devaluation announcement reads like a betrayal. But behind the angry threads is an arithmetic that was always going to catch up. Understanding why banks cut — the actual economics, not the conspiracy theories — is
How-To GuidesHow to cope with a devaluation: the cardholder's playbook
Devaluations are announced with 30 days' notice and take effect whether you're ready or not. Axis gave zero notice on its April partner exit. The difference between cardholders who lost thousands in point value and those
How-To GuidesComplimentary travel insurance on credit cards: what actually covers you abroad
"Complimentary travel insurance" is the most oversold line on premium card brochures. The covers are real — some are worth crores — but they're conditional, capped, and full of exclusions. Here's what the major cards act
How-To GuidesMile transfer partners in India: the full 2026 cheat sheet
Transferring bank points to airline and hotel programmes is where Indian travel rewards multiply — or evaporate. Transfer partners, ratios and even the partner lists changed through 2026, including a major Axis reshuffle
How-To GuidesInternational ATM withdrawals with credit cards: fees, DCC traps, and how to avoid them
Withdrawing cash abroad with a credit card is the most expensive transaction in travel finance. Between cash-advance fees, interest from day one, ATM operator charges and the DCC trap, a single withdrawal can cost 8–10%
How-To GuidesForex markup on credit cards: the complete maths, card by card
The forex markup is the single most expensive line on your international statement — and the least understood. Here's how it actually works, the exact rate card by card, and how to work the maths before you swipe abroad.
How-To GuidesDragonPass, LoungeKey, and DreamFolks: the lounge aggregators explained
Priority Pass gets all the attention, but it's not the only company standing between your credit card and a comfortable chair. DragonPass, LoungeKey and DreamFolks run huge parts of the global lounge plumbing — and in 20
How-To GuidesAirport lounge etiquette and unwritten rules: a first-timer's playbook
Getting into the lounge is the easy part. Staying welcome in it — and not being *that* traveller — is the skill nobody teaches. Lounges run on a thin social contract: everyone paid (in fees, fares or card spend) for calm