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 GuidesUPI vs Credit Cards in 2026: RuPay's Big Year
The most important payments story of 2026 wasn't about any card. It was about the rails. UPI extended its dominance over merchant payments, introduced its first merchant pricing, and — paradoxically — handed credit cards
How-To GuidesThe 2026 Credit Card Fee Landscape: What Changed
Annual fees barely moved in 2026. Everything *around* the annual fee did. This year's fee story is about the proliferation of adjacent charges — reissuance fees, wallet-load fees, processing fees, DCC hikes, and the slow
How-To GuidesHow Credit Card Reward Programs Changed in 2026
If 2026 had a single design philosophy for reward programs, it was this: rewards should follow spending, not cardholding. Nearly every major program change this year moved value from flat, unconditional benefits toward s
How-To GuidesCredit Cards to Watch in 2027
*Expectation management first: nothing on this list is announced. Each entry is labeled — CONFIRMED CONTEXT means the underlying event is verified but the card itself is our analysis; UNCONFIRMED means it's a reasoned sc
How-To GuidesWhere Indian Credit Cards Are Headed in 2027
*This is analysis and opinion, not reporting. Every prediction below is labeled as such — it's what the 2026 evidence suggests, not what has happened. Treat it as a framework for thinking about your wallet, not as fact.*
How-To GuidesCredit Card Winners and Losers of 2026
Winners and losers here are judged on 2026 evidence — RBI data on spends and issuance, verified launches and devaluations, and strategic moves — not on vibes. Every data point below comes from a named source listed at th
How-To GuidesThe Best New Credit Card Launches of 2026
2026 was not a year of mass-market launches — it was the year of the co-brand. Almost every card worth talking about was built on a partnership: an airline, a food-delivery giant, a media brand. Here are the launches tha
How-To GuidesThe Biggest Credit Card Devaluations of 2026
Every devaluation below is verified — each one was either announced by the issuer or reported by a named publication, and each cites its source at the end. Where a change is reported but the issuer's own MITC hasn't been
How-To Guides2026 in Credit Cards: The Year That Was
If you only read one summary of Indian credit cards in 2026, make it this one. The year was defined by a single theme: the great recalibration. Banks tightened reward structures almost every month, pushed loyalty behind
How-To GuidesWhich Bank Should Be Your Primary Card Issuer in 2026?
Most people pick credit cards one at a time — a cashback card here, a travel card there — and end up with points scattered across five ecosystems that never add up to anything. The smarter move: choose a primary issuer w
How-To GuidesAU Small Finance Bank Credit Cards in 2026: Every Card Compared
AU Small Finance Bank is the overachiever of Indian credit cards — a small finance bank with a lineup that out-earns several big banks. The 2026 shelf runs from the Zenith flagship (₹7,999) down to a fleet of genuinely u
How-To GuidesYes Bank Credit Cards in 2026: The Complete Lineup
Yes Bank's card business is a comeback story — rebuilt on fintech partnerships (Anq, Uni, Niyo, Pop) and a "build your own card" experiment, with Marquee as the new flagship. The 2026 lineup is unusually broad for a mid-