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 GuidesPaying Insurance Premiums With a Credit Card: The Rewards Math, Tested
Life and health insurance premiums are among the largest recurring payments an Indian household makes — often ₹50,000 to ₹2 lakh a year. Put that on the right credit card and the rewards are meaningful. Put it on the wro
How-To GuidesThe Housing Spend Playbook: Optimizing Rent and Home Costs by Card
Housing is the largest spend category in most Indian households — and the worst optimized for credit-card rewards. Rent earns nothing, EMIs can't go on cards, and the genuinely rewarding housing spends (maintenance, furn
How-To GuidesRent vs Buy Through a Credit-Card Rewards Lens
*This article looks at renting vs owning purely through the lens of credit-card rewards and card-optimized spending. It is not real-estate advice, tax advice, or financial planning — the rent-vs-buy decision turns on pro
How-To GuidesRent-on-Card Break-Even: 5 Worked Examples for 2026
Everyone has a view on whether paying rent with a credit card is "worth it." Views are cheap; arithmetic isn't. This article works through five concrete examples so you can see exactly where the break-even sits in 2026 —
How-To GuidesCan You Pay Brokerage with a Credit Card in India?
Brokerage — typically one month's rent for a rental deal, or 1–2% for a property purchase — is a chunky, once-in-a-while payment. On a ₹30,000/month rental, that's ₹30,000 to the broker; on a ₹1 crore purchase, ₹1–2 lakh
How-To GuidesShifting Homes: Paying Movers, Packers and Deposits by Card
Changing homes in India compresses an unusual amount of spending into a single month: packers and movers (₹5,000–₹25,000 for intra-city, more for inter-city), a security deposit (often 2–10 months' rent — ₹50,000–₹3,00,0
How-To GuidesFurnishing Your Home: A Credit Card Strategy for Big-Ticket Buys
Furnishing a home — new or rented — is one of the largest concentrated spends most people ever make on cards: ₹1,00,000–₹5,00,000 across furniture, appliances, mattresses, and fittings, often within a few weeks. That con
How-To GuidesSociety Maintenance and Housing Charges on Credit Cards
Every month, alongside rent or the EMI, Indian homeowners and tenants pay society maintenance — ₹2,000 in a modest apartment complex, ₹15,000+ in a premium gated community — plus a scatter of housing charges: water, park
How-To GuidesHome Loan EMIs and Credit Cards: What Works and What Doesn't
For most homeowners, the home loan EMI is the biggest fixed outflow on the calendar — often ₹40,000–₹1,50,000 a month. So the obvious question: can you pay your home loan EMI with a credit card and earn rewards on it? Th
How-To GuidesRent Payment Platforms in India: Fees, Rewards and Reliability Compared
If you want to pay rent with a credit card in India, you don't pay the landlord directly — you go through a rent-payment platform that charges your card and transfers the money to the landlord's bank account. In 2026 thi
How-To GuidesPaying Rent with a Credit Card in India: The Complete 2026 Guide
Rent is most urban Indians' single biggest monthly outflow, so the temptation to route it through a credit card is obvious: the float of an interest-free period, plus the hope of reward points on a five-figure payment. I
How-To GuidesPutting Family First: Credit Cards for Household Managers
The person who runs a household — groceries, school logistics, utilities, pharmacy, the thousand small purchases that keep a family functioning — often controls more monthly spend than anyone else in the family. ₹50,000–