How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
1819 posts · Page 53 of 152
How-To GuidesMiles vs cashback: the honest maths for Indian travellers
Every Indian cardholder eventually faces the same fork in the road: chase airline miles and hotel points, or take the simple certainty of cashback. Both camps have passionate advocates, and both are partly right — which
How-To GuidesSweet-spot redemptions: getting more value from the same miles
Not all redemptions are equal. The same miles balance can buy a mediocre domestic hop or a remarkable long-haul journey in a premium cabin — the difference is the redemption, not the earning. Experienced award travellers
How-To GuidesHotel loyalty with credit cards: co-brands, transfers, booking playbook
Hotel stays are the overlooked half of travel rewards. Most Indian cardholders think in flights, but a thoughtful hotel strategy — the right co-brand, well-timed transfers, and a disciplined booking playbook — can cover
How-To GuidesTransfer partners explained: moving card points to airlines and hotels
Transfer partners are the quiet engine of travel rewards: the mechanism by which points earned on a credit card become airline miles or hotel points. Get transfers right and a single card's points can unlock flights on s
How-To GuidesEarning airline miles with Indian credit cards: the 2026 landscape
Indian credit cards have quietly become one of the fastest ways to build an airline miles balance without flying. Where a frequent flyer once earned miles only in the air, today's Indian cardholder can earn them at the g
How-To GuidesPayment-app coins plus card points: the honest stacking guide
Pay with your card inside a payment app and two reward systems fire at once: the card posts its points per the issuer's schedule, and the app drops coins into your app wallet per its own promotions. It looks like earning
How-To GuidesBooking travel inside payment apps: who actually earns the rewards
Payment apps now sell flights, trains, hotels, and holiday packages right inside the app — often with prominent cashback banners and coin offers. It feels like booking travel and earning twice. But the rewards on a trave
How-To GuidesWallet refunds vs card refunds: what changes for rewards and statements
You return a product, cancel an order, or a merchant voids a charge — and then comes the quieter question: where does the money go back, and what happens to the rewards you earned on the original payment? The answer depe
How-To GuidesStacking card-linked offers and cashback apps without double-dipping
The modern Indian cardholder's stack has three layers: the card's own rewards, card-linked offers that pay out at specific merchants, and cashback apps that track your spending and pay you again. Used together, the layer
How-To GuidesUPI on credit cards: where rewards apply and where they quietly stop
Once a RuPay credit card is linked to a UPI app, every QR code becomes a potential credit card transaction — and a potential source of reward points. But "potential" is doing heavy lifting in that sentence. Issuers treat
How-To GuidesRent, school fees and utilities on credit cards through wallet apps
Rent day, school fee deadlines, and utility bills are the three largest recurring outflows in most Indian households — which is exactly why payment and wallet apps court you to route them through a credit card. The pitch
How-To GuidesCard autopay on payment apps: safe setup, mandates and failure modes
Autopay promises that your bills pay themselves — electricity, subscriptions, SIPs, the credit card bill itself. Set up well, it removes late fees and mental overhead. Set up carelessly, it hands a standing debit instruc