How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
2476 posts · Page 187 of 207
How-To GuidesGST on Credit Card Fees & Charges (2026)
A credit card advertised with a "₹499 annual fee" quietly bills you ₹588.82. The missing piece is Goods and Services Tax — 18% on almost every fee, charge, and service component your card bills. This guide explains where
How-To GuidesReward Redemption Fees & Charges (2026)
Redeeming reward points sounds free — you earned the points, after all. But many Indian issuers charge a redemption fee on every request, and the fee can quietly eat a double-digit share of a small redemption's value. Th
How-To GuidesFuel & Rent Surcharges on Credit Cards (2026)
Two everyday spends — filling fuel and paying rent — carry their own surcharge structures in India. The fuel surcharge is a 1% levy plus GST that most cards waive back within strict limits. Rent has no issuer waiver in m
How-To GuidesCash Advances on Credit Cards (2026): The Real Cost
A cash advance lets you withdraw cash from an ATM against your credit card. It looks like a convenient emergency backup, but it is the single most expensive transaction you can make on a card — an upfront fee, interest f
How-To GuidesForeign Currency Markup on Credit Cards (2026)
Every time you pay in a foreign currency — an international website, a hotel abroad, an app billed in dollars — your card issuer adds a foreign currency markup on top of the exchange rate. On a single trip, the differenc
How-To GuidesLate Payment Fees & Consequences (2026)
Missing a credit card due date triggers three separate consequences — a late fee, interest on the unpaid amount, and a potential hit to your credit score. They operate on different clocks and different rules, and a 2026
How-To GuidesCredit Card Interest Rates in India (2026)
Credit card interest is the single most expensive borrowing most people will ever touch — and the least understood. This guide explains how it is charged, what the market actually looks like, and what a revolved balance
How-To GuidesCredit Card Joining & Annual Fees Explained (2026)
Every credit card has two fees most applicants notice first — the joining fee and the annual fee. They sound interchangeable, but they work differently, and the difference decides what you actually pay in year one versus
How-To Guides10 Credit Card Application Mistakes (2026)
A credit card application takes ten minutes; the consequences of doing it badly last years. These are the ten mistakes applicants in India keep making — and what to do instead.
How-To GuidesCredit Limits Explained: How Banks Decide Yours (2026)
Your credit limit is the maximum the issuer lets you owe on the card at any point. It caps your spending, anchors your credit utilization ratio, and signals how much risk the bank is willing to take on you. Every card ap
How-To GuidesBalance Transfer on Credit Cards in India (2026)
A balance transfer moves outstanding dues from one credit card to another, typically converting the amount into a fixed-tenure EMI at a lower rate than the standard revolving interest. The receiving card's issuer settles
How-To GuidesFirst Credit Card: 10 Mistakes Beginners Make (2026)
A first credit card is a tool for building a credit history — not free money, not a status symbol. Most beginners learn this the expensive way. Here are the ten mistakes that cost first-time cardholders the most, and how