How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
1819 posts · Page 54 of 152
How-To GuidesPaying bills via payment apps vs issuer apps: where rewards differ
The same electricity bill can be paid in two or three taps — from a payment app's bill section, or from your card issuer's own app. The money reaches the biller either way, but the rewards you earn, the fees you pay, and
How-To GuidesLoading wallets with credit cards: fees, rewards treatment, and the maths
Topping up a digital wallet with your credit card looks like free money: spend on the card, earn the points, then use the wallet balance anywhere. The reality has a fee schedule and a rewards schedule sitting between you
How-To GuidesLinking credit cards to UPI apps: RuPay vs other networks and rewards
You can now pay at a kirana store, a street vendor, or an online merchant by scanning a QR code with your credit card — but only if the card runs on one particular network. Linking a credit card to a UPI app is one of th
How-To GuidesReturning home: closing out student cards and forex the right way
The degree is done, the bags are (mostly) packed, and you're heading home. In the chaos of departure, money admin is the easiest thing to neglect — and the most expensive to get wrong. Dormant foreign accounts with fees,
How-To GuidesThe first-90-days abroad money setup for Indian students
The first 90 days abroad are the most expensive and most chaotic of your student life. Deposits, setup costs, unfamiliar systems, no local credit history, and everything needing payment at once. Students who arrive with
How-To GuidesPart-time job spends abroad: budgeting on a student card
Most Indian students abroad work part-time — campus jobs, retail shifts, food delivery, tutoring. The income is modest, the hours are capped by visa rules, and the money has to stretch across rent, food, transport, and t
How-To GuidesManaging card bills from abroad: autopay, forex and due dates
You're in a different timezone, your Indian credit card bill generates in rupees, and the due date doesn't care that you're asleep when it arrives. Managing Indian card bills from abroad is one of those unglamorous tasks
How-To GuidesLounge access and travel perks for student flyers
Students fly a lot: the outbound journey, trips home for holidays, the occasional budget trip with friends. Long layovers in unfamiliar airports are part of the deal. Lounge access — free food, wifi, showers, a quiet cor
How-To GuidesRemittance and money transfer: where cards help and where they don't
Every Indian student abroad lives on a money pipeline: funds flow from India to the host country, regularly and for years. Rent, groceries, transport, the occasional emergency top-up from home — it all moves through this
How-To GuidesStudent travel insurance on cards: what's covered before you fly
Many Indian credit cards — especially mid-tier and premium ones — bundle complimentary travel insurance: trip cancellation, lost baggage, flight delays, sometimes medical cover. For a student flying abroad, this sounds l
How-To GuidesBuilding credit history as an Indian student overseas
Here's something nobody tells you at the pre-departure briefing: your Indian credit history doesn't travel with you. The credit score you've built (or not built) in India means nothing to a lender in the US, UK, Canada,
How-To GuidesForex cards vs credit cards for students abroad: a decision framework
One of the first money decisions every Indian student makes before flying out is deceptively simple: forex card or credit card? You'll use one of them (usually both, in some split) for everything from coffee to cab fares