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 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
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