How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
1819 posts · Page 56 of 152
How-To GuidesPaying one credit card bill with another card: the full picture
The idea is tempting: Card A has a big bill due, Card B has available limit — so pay A's bill with B and buy yourself another month. It feels like refinancing, and in a narrow sense it is. But "paying a card with a card"
How-To GuidesThird-party bill payment apps: where their rewards come from
Pay your credit card bill through a third-party app and you might get coins, cashback, scratch cards, or points — rewards for doing something you had to do anyway. Free money for paying your own bill feels like a glitch
How-To GuidesBill payment timing: how to stretch the interest-free period legally
The interest-free period is the credit card's headline benefit: a stretch of days during which your purchases cost you nothing extra — no interest, no fee for the credit itself. But it is not a fixed number. Depending on
How-To GuidesSetting up credit card bill autopay without the nasty surprises
Autopay is the closest thing credit cards have to a "set it and forget it" safety net: an instruction that automatically debits your bank account to pay your card bill on or before the due date, every month, without you
How-To GuidesThe minimum-due trap: what paying only the minimum really costs
The minimum amount due is the most expensive line on your credit card statement. That sounds backwards — "minimum" sounds like the small, safe option — but it is precisely the design: the minimum keeps your account in go
How-To GuidesUPI vs netbanking vs NEFT: comparing credit card bill payment channels
You can pay a credit card bill a dozen different ways in India — UPI, netbanking, NEFT, debit card, auto-debit, a cheque in a branch drop box if you are feeling nostalgic — and the choice matters more than most people re
How-To GuidesHow credit card bill payment actually works in India
Every month, your credit card company sends you a bill and expects you to pay it. Sounds simple — and it should be — but the machinery behind that bill decides how much interest you pay, how your credit score moves, and
How-To GuidesTen portal mistakes that silently eat your rewards
Nobody sets out to waste portal rewards. The losses happen silently — a bonus that never posts, an accelerator quietly forfeited, a claim denied on a technicality — and most shoppers never connect the missing rewards to
How-To GuidesPortal exclusions decoded: the purchases that never earn portal rewards
Every issuer shopping portal publishes an exclusion list — the purchases that earn no bonus no matter how perfectly you click through. Most shoppers discover exclusions the hard way: a large purchase, a confident click-t
How-To GuidesTracking missing portal rewards: the claim process that actually works
The portal bonus is supposed to post a few weeks after your purchase. Sometimes it does not. The order shipped, the card was charged, the card's own points posted — but the portal bonus never arrived. This is the most fr
How-To GuidesWhy portal purchases sometimes code as a different merchant category
You click through your issuer's portal to a travel site, book a flight, and expect your card's generous travel-category earn rate. Weeks later, the points post at the plain base rate — the transaction coded as something
How-To GuidesStacking rewards on issuer portals: portal bonus plus card rewards
Stacking is the art of earning more than one reward on a single purchase. On issuer shopping portals, the natural stack has two layers: the portal bonus for clicking through, plus your card's own base rewards for paying.