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 GuidesUsing Annual Insurance Premiums to Hit Credit Card Fee-Waiver Milestones
Many credit cards waive their annual fee — or unlock bonus vouchers — when you cross a spend threshold in a year. Insurance premiums, being large and predictable, are ideal milestone fuel. But whether a premium counts to
How-To GuidesEMI on Insurance Premiums: Card EMI vs Insurer Monthly Mode — The Real Math
A ₹1,00,000 annual premium is a lot to pay in one go, so two instalment options compete for your attention: the insurer's own monthly or quarterly payment mode, and converting the annual lump sum into EMI on your credit
How-To GuidesMotor Insurance Renewal on a Credit Card: Aggregator vs Insurer-Direct Payments
Motor insurance renewal is the most frequent insurance payment most Indians make — every year, for every vehicle. It is also one of the most shopped-around: aggregators like Policybazaar compete with insurers' own websit
How-To GuidesPaying Health Insurance Premiums on a Credit Card: 80D Tax Math Plus Rewards
Health insurance premiums are one of the few expenses in India that can simultaneously earn you a tax deduction and credit card rewards. The deduction comes from Section 80D of the Income-tax Act; the rewards come from y
How-To GuidesAnnual vs Monthly Insurance Premiums: The Hidden Cost of Paying in Instalments
Most insurers let you pay premiums annually, half-yearly, quarterly, or monthly. Monthly feels easier on cash flow, but it is rarely the cheapest option. Insurers apply "modal loadings" — multipliers that make the total
How-To GuidesWhich Credit Cards Actually Reward Insurance Premium Payments in 2026
Paying a ₹50,000 or ₹1,00,000 annual insurance premium with a credit card feels like it should earn a pile of reward points. Sometimes it does. Often it earns nothing at all, because insurance is one of the most widely e
How-To GuidesPaying LIC Premiums With a Credit Card: Portal, PayDirect and the Convenience-Fee Story
LIC of India is the country's largest life insurer, and millions of policyholders pay premiums every month. If you hold an LIC policy and a credit card, combining the two is one of the more rewarding payment moves availa
How-To GuidesFee Deadlines, Autopay and Late Fees: Managing Education Payments Smartly
Schools and colleges run on academic calendars, not your cash-flow calendar. Fee deadlines cluster at term starts, late fees compound quickly, and a missed payment can hold up admit cards, results, or re-enrollment. A sm
How-To GuidesPaying Fees Through Wallets and Bill Apps: The Honest Reward Picture
It is tempting to route school or college fees through a wallet or a bill-payment app — the biller is saved, the interface is familiar, and the app may advertise cashback. But this routing changes the transaction's ident
How-To GuidesCredit Cards That Exclude Education Spends: What the Fine Print Says
Education is one of the most commonly excluded spend categories in Indian credit card reward programmes — more excluded than dining, travel, or shopping on many cards. If you pay school or college fees expecting points,
How-To GuidesPaying Hostel and Accommodation Fees With a Credit Card
Hostel and accommodation fees — university hostels, private hostels, PGs, and rented rooms near campus — sit in a grey zone between education and rent. How the payment is coded decides whether your card rewards it, wheth
How-To GuidesPaying International University Tuition: Forex, TCS and the Cheapest Route
Paying tuition to a foreign university — often $20,000 to $60,000 per year — involves three cost layers most families underestimate: the forex markup on the exchange rate, the TCS (tax collected at source) on the remitta