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 GuidesDragonPass in India: Which Cards Offer It and Where It Works
DragonPass used to be one of the three names on every Indian lounge-access conversation, alongside Priority Pass and Dreamfolks. In 2026, its India story is mostly a cautionary tale. This guide covers what DragonPass is,
How-To GuidesPriority Pass on Indian Cards: The Complete Guide
Priority Pass is the single most valuable lounge benefit on Indian credit cards — and the most frequently misunderstood. This is the complete guide: which Indian cards issue it, how many visits each gives, how the member
How-To GuidesInternational Lounge Access on Indian Credit Cards: What Works Abroad
International lounge access is simpler than domestic in one way: there is essentially one program that matters — Priority Pass. If your Indian card offers lounge access abroad, it is almost always delivered through an is
How-To GuidesFree Domestic Lounge Access: Best Indian Credit Cards in 2026
Domestic lounge access is the most-used — and most misunderstood — travel perk on Indian credit cards. Since the September 2025 DreamFolks shutdown, "free visits" are no longer automatic: most issuers unlock them only af
How-To GuidesPriority Pass vs DragonPass vs Dreamfolks: Lounge Programs Compared
If you hold an Indian credit card with lounge access, three names keep showing up in the fine print: Priority Pass, DragonPass, and Dreamfolks. They are not interchangeable, and the 2025 shake-up of India's lounge indust
How-To GuidesAfter Card Fraud: The Recovery Playbook
Fraud has happened. Money — or credit — you did not authorise has moved. This is the recovery playbook: what to do in the first hour, the first week and the months after, which documents to keep, which timelines bind you
How-To GuidesCredit Card Controls: App Locks, Limits and International Toggles
The most powerful card-security feature in India is not a technology — it is a regulation that put the switches in your hands. Since March 2020, RBI has required issuers to let you turn card channels on and off and set y
How-To GuidesApp Permissions and Card Data: What Your Apps Can See
Your banking and shopping apps hold the keys to your money — but so do the dozens of other apps on your phone, each holding a bundle of permissions you granted once and forgot. Understanding what those permissions actual
How-To GuidesShopping Online Safely with Credit Cards: The Checklist
Online shopping is where most card fraud happens — the card never leaves your wallet, yet its details travel across the internet. The good news: a credit card is structurally the safest way to pay online in India, and a
How-To GuidesZero Liability on Card Fraud: When the Bank Must Refund You
"Zero liability" is the most misunderstood phrase in Indian card security. It does not mean the bank refunds every fraud, no questions asked. It means something more precise — and more useful: under RBI's rules, in defin
How-To GuidesWhen Fraud Hits Your Card: Dispute Rights and Timelines
You spot a transaction you did not make. Your stomach drops. What you do in the next few hours — and the weeks after — determines how quickly you get your money back and how much of the loss you bear. This is the practic
How-To GuidesOTP Safety: The One Rule That Stops Most Card Fraud
Almost every card scam in India ends at the same place: a six-digit code on your phone. The fraudster may have your card number, your name, even your address — but for a domestic online transaction, they still need the O