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 GuidesAxis GrabDeals and Edge Rewards: How Portal Shopping Discounts Work
Axis Bank runs a parallel shopping universe most cardholders never open: GrabDeals, an affiliate portal where clicking through to merchants like Myntra, Flipkart, and Nykaa earns multiplied EDGE Reward Points or extra ca
How-To GuidesHDFC SmartBuy 10x and 5x: Mechanics, Caps, and the Fine Print
Everyone knows SmartBuy offers "10X reward points." Almost no one can explain exactly how the 10X is calculated, when the bonus posts, what voids it, or how much spend it takes to hit the cap. This is the mechanical mast
How-To GuidesAmex Membership Rewards India: Transfer Partners and Sweet Spots
American Express Membership Rewards (MR) in India is the connoisseur's currency: harder to earn in bulk than HDFC or Axis points, accepted at fewer merchants, but convertible into some of the most valuable airline miles
How-To GuidesIDFC First Rewards Explained: The Program Behind the Cards
IDFC First Bank did something no other Indian issuer has done: it gave every credit card in its lineup — from the entry-level Classic to the top-tier Wealth — the same reward structure. No tiered currencies, no premium-o
How-To GuidesICICI Rewards and Payback Explained: The Program Behind the Cards
Ask "how do ICICI credit card rewards work?" and you'll get three different answers — because ICICI runs three different reward systems depending on which card you hold. Mid-tier cards earn PAYBACK points, the flagship E
How-To GuidesSBI Card Rewardz Masterclass: Earning Rules and Every Redemption Path
SBI Card's Rewardz program is the quiet workhorse of Indian rewards: no flashy transfer partners, no 10X portal fireworks — just a straightforward points currency earned across India's largest credit card portfolio. But
How-To GuidesNever Get Trapped by a Devaluation: How to Structure Your Redemptions
Every few months, an Indian issuer moves the goalposts: a transfer partner vanishes, a redemption cap appears, a ratio gets quietly worse. The cardholders who get hurt aren't the ones with the fewest points — they're the
How-To GuidesAxis Magnus and Burgundy in 2026: The Post-Devaluation Rewards Reality
The Axis Magnus was once the card that broke Indian credit card Twitter: uncapped 5:4 transfers, a ₹1 lakh monthly milestone spitting out 25,000 EDGE points, and a fee that paid for itself by February. Then came three ye
How-To GuidesHDFC Edge Rewards Masterclass: Earning, SmartBuy Multipliers, Redemption
HDFC Bank's reward point program is the engine behind some of India's most valuable credit cards — Infinia, Diners Club Black, Regalia Gold, and Millennia all feed into it. But the program's real power isn't the base ear
How-To GuidesLost or Stolen Credit Card? Exactly What to Do Next
Your wallet's gone — or a transaction alert just popped up for something you didn't buy. The next 30 minutes matter more than the next 30 days. Here's exactly what to do, in order, when your credit card is lost or stolen
How-To GuidesHow to Dispute a Wrong Charge: India's Chargeback Process
A charge you don't recognize. A refund the merchant promised but never sent. A subscription that kept billing after cancellation. In India, you don't have to just accept it — the chargeback process exists precisely for t
How-To GuidesHow to Close a Credit Card Safely: A Step-by-Step Guide
Closing a credit card feels like it should take one phone call. In practice, done carelessly, it can strand your reward points, trigger a surprise fee, or dent your credit score. Done properly, it's a clean 15-minute pro