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 GuidesCashback vs Reward Points: When Cash Wins
The myth: "Cashback cards are for beginners. Serious optimizers use reward points."
How-To GuidesUnlimited Lounge Access Has Limits You Should Know
The myth: "My card says unlimited lounge access, so I can walk into any lounge, anytime, with anyone."
How-To Guides"No Forex Charges" on Your Card? Read the Markup Line
The myth: "My card says no foreign transaction fee / I have a premium card, so international spends cost me nothing extra."
How-To GuidesNo-Cost EMI Isn't Free: The GST and Fees Nobody Shows You
The myth: "No-cost EMI means I pay exactly the product price, just split into parts."
How-To Guides1 Reward Point Is Not Worth ₹1 (Almost Ever)
The myth: "I earned 10,000 reward points, so that's ₹10,000."
How-To Guides3 CIBIL Myths That Keep Hurting Your Credit Score
Credit scores run on rumour. Here are three myths Indians repeat most often — each one capable of costing you real money or a rejected application.
How-To GuidesNo Annual Fee Doesn't Mean Your Card Is Free
The myth: "My card has no annual fee, so it costs me nothing."
How-To GuidesThe Minimum Due Trap: What Paying 5% Really Costs You
The myth: "Paying the minimum due is fine — the bank even suggests it, so it must be okay."
How-To GuidesBest Credit Cards for Gig Workers in India (2026)
Delivery partners, rideshare drivers, and task-app workers earn in weekly payouts, not monthly salary slips — which makes traditional card underwriting awkward. The cards below were picked for the lowest published income
How-To GuidesBest Credit Cards for Homemakers in India (2026)
Homemakers run the household budget — groceries, school fees, utilities, online shopping — but often have no salary slip or ITR in their own name, which is what most card applications ask for. There are three legitimate
How-To GuidesBest Credit Cards for Senior Citizens in India (2026)
Senior citizens need the opposite of a maximiser card: no confusing points portals, no quarterly spend gates to unlock basic benefits, no high fees. The priorities are simplicity (cashback credited automatically), low or
How-To GuidesBest Business Credit Cards for Small Business Owners in India (2026)
A business credit card does a different job from a personal one: it separates business spending from household spending, creates a clean expense trail for accounting and tax filing, and earns rewards on the purchases a b