How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
1845 posts · Page 64 of 154
How-To GuidesKey Fact Statement Explained: How to Read Your Card's Fine Print
Buried inside your card welcome kit — or attached to the email you barely skimmed — sits the most important document in your relationship with the bank: the Key Fact Statement (KFS), usually accompanied by the Most Impor
How-To GuidesRBI's Fair Practice Code: Your Rights as a Credit Cardholder
Most credit card holders in India know their bank has rules to follow, but far fewer know what those rules actually say. The Reserve Bank of India's Fair Practice Code for lenders, alongside its Master Directions on cred
How-To GuidesReward Posting Timelines in 2026: When Your Sale-Purchase Points Actually Arrive
You shopped hard during the October 2026 festive sales — Amazon's Great Indian Festival began October 8, 2026, Flipkart's Big Billion Days began October 9, 2026 — and the points should be rolling in. Except they are not,
How-To GuidesReward Expiry Calendars in 2026: Never Let Points Die Unused Again
Reward points feel like free money until they quietly expire. Every major Indian card issuer puts an expiry clock on reward points — commonly 1–3 years from the month they're earned (illustrative — the exact validity var
How-To GuidesReturns and Refunds in 2026: How Credit Card Refunds Actually Post to Your Account
The festive sales — Amazon's Great Indian Festival began October 8, 2026, Flipkart's Big Billion Days began October 9, 2026 — generate a predictable second wave: returns. Wrong size, defective unit, better price found el
How-To GuidesNo-Cost EMI Fine Print in 2026: The Hidden Costs and How to Spot Them
No-cost EMI was everywhere during the October 2026 festive sales — Amazon's Great Indian Festival began October 8, 2026, and Flipkart's Big Billion Days began October 9, 2026 — and for good reason: splitting a large purc
How-To GuidesThe Interest-Free Period in 2026: Timing Purchases to Borrow Free for 50 Days
Every credit card in India comes with an interest-free period — a window during which your purchases accrue no interest, provided you pay the previous statement in full. The headline figure is usually "up to 50 days" (il
How-To GuidesGST Invoices on Card Purchases in 2026: Claiming Input Credit as a Business Buyer
If you bought equipment during the October 2026 festive sales — Amazon's Great Indian Festival began October 8, 2026, Flipkart's Big Billion Days began October 9, 2026 — for a GST-registered business, the invoice in your
How-To GuidesExtended Warranty Registration in 2026: Card Purchase Protection and How to File
The festive sale is over, the boxes are unpacked, and now comes the part most buyers skip: registering the protections you already paid for. Your credit card may carry purchase-protection cover on what you bought during
How-To GuidesEMI Preclosure in 2026: When Paying Off Early Saves Money (and When It Doesn't)
You converted a ₹60,000 (illustrative) purchase into a 12-month EMI. Six months in, you have the cash to kill it. Should you? The answer is not automatically yes — EMI preclosure has its own cost structure, and in some c
How-To GuidesUtilization Reporting Dates in 2026: The Day Your Balance Hits Your CIBIL File
Credit utilization — the percentage of your credit limit you're using — is one of the heaviest inputs to your CIBIL score. But here is the part most people get wrong: the utilization that matters is not your balance on a
How-To GuidesAuditing Your Credit Card Statement in 2026: A 15-Minute Monthly Checklist
Your credit card statement is the one document that records every rupee you spent, every fee you were charged, and every rupee of interest the bank claims. Most people glance at the total and pay it. Fifteen minutes a mo