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 GuidesEarning and Redeeming Indian Card Rewards While Living Abroad
Living outside India does not mean your Indian credit cards go dormant — but the rewards game changes completely. Foreign spend carries markups, some earn categories assume you are in India, and redeeming from a differen
How-To GuidesOne Card or Many? A Multi-Currency Strategy for Indian Travellers
A common question from frequent travellers: should I carry one card for dollars, another for euros, maybe a third for dirhams? Multi-currency prepaid wallets encourage this thinking — but with credit cards, the currency
How-To GuidesWhich Indian Credit Cards Work Best Abroad: Visa, Mastercard, RuPay
A card's network decides where in the world it works — and Indian issuers ship cards on five of them: Visa, Mastercard, RuPay, Diners Club and American Express. Pick the wrong network and your "premium travel card" gets
How-To GuidesHow NRIs Can Get an Indian Credit Card: Documents and Eligibility
Yes, NRIs can hold Indian credit cards — most major issuers (HDFC Bank, ICICI Bank, Axis Bank, SBI Card, Standard Chartered, HSBC) issue to non-resident customers. But the application does not work like a resident's: the
How-To GuidesRemittance Showdown: Credit Cards vs Wire Transfers vs Forex Cards
" Sending money home" sounds like one job, but it splits into three very different ones: moving your own salary into your NRE account, paying for things in India from abroad, and funding someone else (family, a builder,
How-To GuidesEvery Zero Forex Markup Credit Card in India, Compared for 2026
"Zero forex markup" is the most valuable two-word phrase in Indian credit cards — and the most abused. Prepaid forex cards advertise it, some credit cards imply it, and the MITC occasionally contradicts the marketing. So
How-To GuidesForex Markup on Indian Credit Cards: How the Fee Really Works
Every Indian credit card charges you for spending in foreign currency. The fee has a boring name — foreign currency markup, or forex markup — and it is the single most expensive line item on most international card bills
How-To GuidesBest Credit Cards NRIs Can Get in India (2026 Guide)
If you live abroad but keep financial roots in India — an NRE or NRO account, family here, property, investments — an Indian credit card is one of the most useful tools you can hold. It pays your India bills without wire
How-To GuidesBPCL SBI Credit Card vs Tata Neu Plus HDFC Credit Card: Which Credit Card Wins in 2026?
BPCL SBI Credit Card against Tata Neu Plus HDFC Credit Card: fees, reward rates, lounge access and which one suits which spender. Updated 2026
How-To GuidesCo-Brand Credit Cards 2026 Verdict: When They Win vs General Cards
This series reviewed nine co-brand credit cards across shopping, food delivery, fashion, travel, railways and insurance. This final piece answers the question every review danced around: when does a co-brand card actuall
How-To GuidesLIC Co-Brand Credit Cards 2026: Classic, Select, Lumine, Eclat
LIC — India's largest insurer — co-brands credit cards through two partnerships: IDFC First Bank (LIC Classic and LIC Select) and IDBI Bank via LIC Cards Services Ltd (Lumine Platinum and Eclat Select). All four are list
How-To GuidesIRCTC SBI Card Premier 2026: ₹1,499 Railway Rewards, Verified
A word on the fee first, because this series was asked to check it: the CardBuzz DB lists the IRCTC SBI Card Premier's annual fee as ₹1,499 with the source marked as the issuer — and SBI Card's own published terms agree: