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 GuidesWallet Loads and Utility Bills: The Honest Truth About Reward Exclusions
A persistent myth in credit card circles says you can earn rewards on excluded categories by routing payments through a wallet: load the wallet with the card, pay the bill from the wallet, collect points on the load. The
How-To GuidesConvenience Fees on Utility Bill Payments: Doing the Math Before You Pay
Utility bill payments attract convenience fees in some channels and not others — and because utility bills repeat monthly, a small fee compounds into real money over a year. This guide gives you the fee map and the math
How-To GuidesBiller-Specific Reward Quirks: When Utility Spends Earn Less
"Utilities earn 1%" is never the whole story. Between monthly caps, biller-level exclusions, recharge-vs-bill coding differences, and MCC subtleties, two identical-looking utility payments can earn very different rewards
How-To GuidesPaying Utility Bills via CRED, Paytm, PhonePe and Amazon Pay: Fee Comparison
CRED, Paytm, PhonePe, and Amazon Pay all pay utility bills through BBPS — but they differ in convenience fees for credit card payments, reward treatment, and reliability. Since the underlying biller and BBPS rail are ide
How-To GuidesCredit Card Autopay for Utility Bills: SmartPay, Mandates and Failure Handling
Autopay turns utility bills from a monthly chore into a background process — but only if the mandates are set up correctly and monitored. Between bank SmartPay platforms, biller-direct mandates, and BBPS autopay, the opt
How-To GuidesMobile, Broadband and DTH Bills on Credit Cards: Telecom Payment Mechanics
Telecom payments — mobile postpaid bills, prepaid recharges, broadband, and DTH — are the highest-frequency card transactions in most Indian households. They code under telecom MCC 4814 (one of the three utility codes ci
How-To GuidesPaying Water Bills With a Credit Card: Portals, Charges and Rewards
Water bills are the smallest and most overlooked utility payment — often a few hundred rupees a month from municipal boards (Delhi Jal Board, BWSSB, Hyderabad's HMWSSB, municipal corporations). They are payable by card i
How-To GuidesPaying Gas Bills (LPG and Piped Gas) With a Credit Card
Gas payments in India come in two forms — LPG cylinder bookings (Indane, HP, Bharatgas) and piped natural gas bills (Mahanagar Gas, IGL, Adani Total Gas, and others) — and they behave differently as card transactions. Th
How-To GuidesPaying Electricity Bills With a Credit Card: Biller Rules and Reward Quirks
Electricity bills are the most universal utility payment in India — monthly, unavoidable, and increasingly payable by credit card through discom portals, BBPS apps, and wallets. But electricity sits in one of the most ex
How-To Guides10 Mistakes to Avoid When Paying Insurance Premiums With a Credit Card
Paying insurance premiums with a credit card is straightforward, but the mistakes people make are expensive — lapsed policies, lost rewards, fees that erase the points. Here are the ten most common ones, and how to avoid
How-To GuidesConvenience Fees on Insurance Premium Payments: What Portals Actually Charge
A convenience fee — the surcharge a payment portal adds when you pay by credit card — can quietly erase the value of the rewards you earn on an insurance premium. Fees vary wildly by channel: some insurers absorb them, s
How-To GuidesPaying ULIP and Endowment Premiums With a Credit Card: What Changes
Unit-linked insurance plans (ULIPs) and traditional endowment plans combine insurance cover with an investment component, and their premiums are often larger than pure term-plan premiums. Paying them with a credit card f