How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
2506 posts · Page 189 of 209
How-To GuidesBest Credit Cards for Hyderabad Residents (2026)
Hyderabad pairs a fast-growing IT corridor with a legendary dining culture and increasingly busy skies — Rajiv Gandhi International Airport (HYD) keeps adding domestic and international routes. Residents here spend on ea
How-To GuidesBest Credit Cards for Bengaluru Residents (2026)
Bengaluru's defining travel fact is distance: Kempegowda International Airport (BLR) sits far from the city, so residents budget long airport dwell times into every trip — time best spent in a lounge. The city pairs that
How-To GuidesBest Credit Cards for Mumbai Residents (2026)
Mumbai runs on movies, meals and movement. Residents fly out of Chhatrapati Shivaji Maharaj International Airport (BOM) for business and leisure, ride local trains and a growing metro network daily, and spend heavily on
How-To GuidesBest Credit Cards for Delhi Residents (2026)
Delhi is a city of long commutes and frequent flyers. Residents route through Indira Gandhi International Airport (DEL) for business trips across India and the world, drive their own cars to work through some of the coun
How-To Guides10 Fee Mistakes That Cost Cardholders Money (2026)
Fees are where credit card profits hide in plain sight. The database behind this article covers 610 Indian cards, and the same patterns repeat: cardholders pay fees they could have avoided, revolve at punishing rates, an
How-To GuidesGetting Your Annual Fee Waived (2026)
Most Indian credit cards with an annual fee also publish a spend threshold that wipes the fee out. If your natural spending already clears it, the card is effectively free; if not, you have three options — ask retention
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