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 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
How-To GuidesRailway lounge access with credit cards: the sleeper perk nobody talks about
Everyone fights over airport lounges. Meanwhile, at railway stations across India, there are quiet air-conditioned rooms with buffet meals, unlimited tea and coffee, Wi-Fi and clean washrooms — and a long list of credit
How-To GuidesLounge guest policies and plus-one rules: the fine print that ruins free trips
Your lounge access is sorted. Then your spouse, your parent or your friend joins the trip — and the free lounge visit turns into a surprise bill at the door. Guest and plus-one policies are the least-read, most-punishing
How-To GuidesPriority Pass vs Visa/Mastercard lounge access: how each programme really works
Ask ten Indian travellers how they got into an airport lounge and you'll hear two completely different answers: "I swiped my Visa" and "I used my Priority Pass." These are not the same thing, they don't work at the same
How-To GuidesAirport lounge access with credit cards: the complete beginner's guide
If you have never walked into an airport lounge, the idea sounds simple: show your credit card, get in free, eat for free, sit in a comfortable chair. In 2026, that picture is still broadly true — but the plumbing behind
How-To GuidesFuel surcharge waiver on credit cards: how it really works, with the maths
Every fuel credit card in India advertises a "fuel surcharge waiver", and almost nobody explains what it actually is. It is not a discount on petrol. It is not cashback. It is a refund of a specific fee that appears on y
How-To GuidesCharges on UPI credit card payments: MDR, interchange, and merchant surcharges explained
"Is UPI still free?" is the most-asked payments question of October 2026 — and the answer depends on who you are: consumer, merchant, or bank. This guide explains every charge in the UPI credit card chain: MDR, interchan