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 GuidesNovember 2026 Wedding Countdown: A 30-Day Credit Card Checklist
If your wedding is in late November or December 2026, you are roughly seven weeks out — and your credit cards need almost as much preparation as your outfits. Cards applied for today take two to three weeks to arrive; cr
How-To GuidesThe Government Payments Playbook: Legal Reward Harvesting in 2026
Income tax, GST, property tax, challans, passport fees, RTO fees, stamp duty, utility bills — the average urban household and every small business routes lakhs a year through government payment rails. Most of it earns no
How-To GuidesWhich Cards Still Earn Rewards on Tax and Government Payments in 2026
Government transactions — income tax, GST, challans, passport fees, property tax — sit inside MCCs 9211, 9222, 9223, 9311, 9399, 9402 and 9405. Over 2025 and 2026, Indian issuers have systematically stripped rewards from
How-To GuidesStamp Duty by Credit Card: Where It's Allowed and Where It Isn't
"Can I pay stamp duty with a credit card?" is one of the most-asked questions in Indian property buying — and the answer is a frustrating "it depends on your state." Stamp duty is a state subject, and every state has bui
How-To GuidesRTO Fees and Driving Licence Payments by Credit Card
Learner's licence, permanent driving licence, renewals, duplicates, international driving permits — every RTO service carries a fee, and the Parivahan Sarathi portal accepts credit cards for all of them. The amounts are
How-To GuidesProperty Tax on Credit Cards: Bengaluru, Mumbai and Delhi Rules
Property tax is the single largest annual payment most urban households make to their city — and in India's three biggest metros, you can pay it with a credit card. The portals, the fees, and the rewards math differ by c
How-To GuidesElectricity and Water Bills on Credit Cards: What Actually Pays You
Electricity and water bills are among the largest truly recurring household spends — a metro household can easily run ₹3,000–₹8,000 a month on power alone. Paying them by credit card is trivially easy through DISCOM port
How-To GuidesPassport Fees on Credit Cards: Rewards Math After the July 2026 Hike
Passport fees got significantly more expensive on July 1, 2026 — and since the Passport Seva portal accepts credit cards, the natural question is whether the hike can at least be softened with reward points. Here's the f
How-To GuidesTraffic Challans on Credit Cards: E-Challan Payment Fees Explained
A ₹2,000 challan for jumping a red light hurts enough without payment friction on top. The good news: almost every official channel that issues an e-challan in India also lets you pay it with a credit card. The bad news:
How-To GuidesGST Payments on Credit Cards: Mechanics, Fees and Card Rewards
GST payments are one of the largest recurring card-payment opportunities in India — monthly liabilities for businesses routinely run into lakhs. The CGST Rules explicitly allow credit cards as a payment mode, but the mec
How-To GuidesPaying Income Tax with a Credit Card: The Complete 2026 Guide
Advance tax, self-assessment tax, regular assessment tax — the Income Tax Department's e-filing portal accepts all of them on a credit card. That convenience costs you a gateway fee on every rupee, but for the right card
How-To GuidesThe Protection Verdict: Which Card Benefits Actually Pay Out
Across nine articles, this series has mapped every protection benefit Indian credit cards claim to offer: premium-payment rewards, complimentary insurance, travel cover, purchase protection, extended warranty, price prot