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 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:
How-To GuidesMakeMyTrip ICICI Credit Card 2026: 6% myCash, Is It Worth ₹999?
MakeMyTrip's co-brand story is a short one: the MakeMyTrip ICICI Bank Credit Card launched in September 2024, and it remains the only MakeMyTrip co-brand credit card on the market. A note on verification first — the Card
How-To GuidesIxigo AU Credit Card 2026: Lifetime Free Travel Rewards Math
The ixigo–AU Small Finance Bank co-branded credit card is that rare thing: a lifetime-free travel card (the CardBuzz DB lists the annual fee as ₹0, source: issuer, and ixigo's own FAQ confirms zero joining and annual fee
How-To GuidesMyntra Kotak Card Discontinued: What Happened & What Replaces It
This article breaks the pattern of this series deliberately: the Myntra Kotak Credit Card is not a live product. Kotak Mahindra Bank discontinued it effective July 10, 2025, and migrated all existing cardholders to the K
How-To GuidesSwiggy HDFC Credit Card 2026: 10% Cashback Math, Monthly Caps
The Swiggy HDFC Bank Credit Card makes the boldest headline promise of any food-delivery co-brand in India: 10% cashback on Swiggy. The reality is a three-tier system with monthly caps on each tier, a ₹500 fee waived at
How-To GuidesTata Neu Infinity & Plus Cards 2026: NeuCoins Explained Honestly
Tata Neu Infinity and Tata Neu Plus — issued by HDFC Bank, with parallel SBI Card variants — are the only major Indian co-brand cards that pay you in a conglomerate's own currency: NeuCoins. One NeuCoin is worth exactly
How-To GuidesFlipkart Axis Credit Card 2026 Review: 7.5% Myntra, 5% Flipkart
The Flipkart Axis Bank Credit Card is the Amazon Pay ICICI card's mirror image: where the Amazon card is one big uncapped number, the Flipkart Axis card is a ladder of rates — 7.5% on Myntra, 5% on Flipkart and Cleartrip
How-To GuidesAmazon Pay ICICI Credit Card 2026 Review: 5% Cashback, Zero Fees
The Amazon Pay ICICI Bank Credit Card is the simplest co-brand card in India to explain: it is lifetime free, and it pays a flat, uncapped 5% cashback on Amazon.in shopping and Amazon Pay travel bookings for Prime member
How-To GuidesEMI Calculator Guide: What to Input, What to Ignore
EMI calculators are only as honest as their inputs. Most people enter the price and tenure, glance at the monthly number, and miss the three inputs that actually determine cost. Here's how to use any EMI calculator prope
How-To GuidesEMI Traps: Zero Down Payment, Subvention, and Easy EMI Marketing
EMI marketing is engineered to make borrowing feel like discounting. This article catalogs the standard traps — the mechanics behind each, what they cost in ₹ terms, and the one question that defuses each one.
How-To GuidesBalance Transfer vs New EMI: Which Route Is Cheaper for Debt
You have ₹2,00,000 of card debt. Two exits: convert it into a card EMI, or balance-transfer it to another card at a promotional rate. The cheaper route is pure arithmetic — here it is, worked end to end.
How-To GuidesFestive EMI Offers: A Mechanic's Checklist for Evaluating Them
Festive season brings a blizzard of EMI banners — no-cost EMI, instant cashback, zero down payment. None of these are gifts; each is a pricing mechanism. This article gives you the mechanics to evaluate any festive EMI o