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 GuidesCard Skimming and Cloning: ATM and POS Safety Guide
Card skimming is the most physical form of card fraud: instead of tricking you over the phone, criminals tamper with the machine you swipe or insert your card into. Understanding what skimming looks like — and how India'
How-To GuidesPhishing and Vishing: How Card Scams Target Indians
Of all the ways card fraud reaches Indians, the phone in your pocket is the most common entry point. Phishing (fake messages) and vishing (fraudulent calls) do not break any technology — they bypass it by persuading you
How-To GuidesCredit Card Fraud in India: Common Types and How They Work
Credit card fraud in India rarely looks like a masked thief with your wallet. It looks like a polite phone call, a familiar-looking text message, or a transaction you never made appearing in your statement. Understanding
How-To GuidesIndian Card Transfer Partners 2026: The Complete Airline and Hotel Map
Most transfer guides list partners by bank: "HDFC transfers to these 15 programs." That's the wrong direction. You don't choose a bank and then a destination — you choose where you want to go, then find which Indian card
How-To GuidesAxis GrabDeals and Edge Rewards: How Portal Shopping Discounts Work
Axis Bank runs a parallel shopping universe most cardholders never open: GrabDeals, an affiliate portal where clicking through to merchants like Myntra, Flipkart, and Nykaa earns multiplied EDGE Reward Points or extra ca
How-To GuidesHDFC SmartBuy 10x and 5x: Mechanics, Caps, and the Fine Print
Everyone knows SmartBuy offers "10X reward points." Almost no one can explain exactly how the 10X is calculated, when the bonus posts, what voids it, or how much spend it takes to hit the cap. This is the mechanical mast
How-To GuidesAmex Membership Rewards India: Transfer Partners and Sweet Spots
American Express Membership Rewards (MR) in India is the connoisseur's currency: harder to earn in bulk than HDFC or Axis points, accepted at fewer merchants, but convertible into some of the most valuable airline miles
How-To GuidesIDFC First Rewards Explained: The Program Behind the Cards
IDFC First Bank did something no other Indian issuer has done: it gave every credit card in its lineup — from the entry-level Classic to the top-tier Wealth — the same reward structure. No tiered currencies, no premium-o
How-To GuidesICICI Rewards and Payback Explained: The Program Behind the Cards
Ask "how do ICICI credit card rewards work?" and you'll get three different answers — because ICICI runs three different reward systems depending on which card you hold. Mid-tier cards earn PAYBACK points, the flagship E
How-To GuidesSBI Card Rewardz Masterclass: Earning Rules and Every Redemption Path
SBI Card's Rewardz program is the quiet workhorse of Indian rewards: no flashy transfer partners, no 10X portal fireworks — just a straightforward points currency earned across India's largest credit card portfolio. But
How-To GuidesNever Get Trapped by a Devaluation: How to Structure Your Redemptions
Every few months, an Indian issuer moves the goalposts: a transfer partner vanishes, a redemption cap appears, a ratio gets quietly worse. The cardholders who get hurt aren't the ones with the fewest points — they're the
How-To GuidesAxis Magnus and Burgundy in 2026: The Post-Devaluation Rewards Reality
The Axis Magnus was once the card that broke Indian credit card Twitter: uncapped 5:4 transfers, a ₹1 lakh monthly milestone spitting out 25,000 EDGE points, and a fee that paid for itself by February. Then came three ye