How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
1911 posts · Page 78 of 160
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
How-To GuidesEMI on School and College Fees: School Plans vs Credit Card EMI
When a ₹2,00,000 annual fee lands in the same month as other big expenses, instalments look tempting. Schools offer their own instalment plans, fee-financing companies offer education EMI, and your credit card offers EMI
How-To GuidesEducation Fee Convenience Charges vs Credit Card Rewards: The Break-Even Math
Every education fee payment by credit card is a small equation: the rewards you earn minus the convenience fee you pay. When the result is positive, the card wins. When it is negative, UPI or net banking wins. This guide
How-To GuidesPaying Coaching Fees (JEE, NEET, UPSC) With a Credit Card
Coaching fees for JEE, NEET, UPSC, CAT, and similar exams routinely run from ₹50,000 to over ₹2,00,000 per year — and coaching institutes are aggressive sellers of instalment plans, "scholarship" discounts, and financing
How-To GuidesCollege and University Tuition on Credit Cards: Direct vs Portal Payments
College and university tuition — often ₹1,00,000 to ₹5,00,000 per year — is typically the largest education expense a family faces. Universities usually offer an official payment portal, and sometimes also accept payment
How-To GuidesPaying School Fees With a Credit Card: Fee Portals, MCC Codes and What to Check
School fees are among the largest recurring household expenses in India — often ₹50,000 to several lakhs per year per child. Paying them with a credit card can earn rewards, smooth cash flow through the interest-free per