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 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
How-To GuidesCredit Shield and Card Protection Plans: An Honest Cost-Benefit Test
Two products with confusingly similar names get sold to Indian cardholders: the credit shield (insurance on your card dues) and the Card Protection Plan / CPP (a paid membership that blocks all your cards with one call a
How-To GuidesEMI Protection and Job-Loss Covers: What Is Real and What Is Marketing
"What happens to my EMIs if I lose my job?" It is a fair question — and the market answers it with a fog of overlapping product names: credit shield, EMI protect, loan protection, job-loss cover. Some of these are real i
How-To GuidesPrice Protection on Indian Credit Cards: Does It Exist Anywhere
Price protection — buy something, the price drops within 60–90 days, the card refunds the difference — was once a standard premium-card perk in the US. Shoppers in India occasionally ask whether their card offers it. The