Credit Card Guides

For people who loving going out with their friends and family, especially to the movies, there are several movie credit cards in the market for them. The co-branded PVR Kotak Gold card is a unique offering by Kotak Bank that charges no joining fee and Rs. 500 renewal fee. Instead…

Traveling perks are the best flex of a credit card and especially when you have a Travel Credit Card in your hand, you know your trip is going to be comfortable and luxurious at an affordable price. If you are a frequent traveler, you might be aware of how tiring…

If you are someone who regularly travels to domestic as well as foreign locations, then a travel credit card can be really beneficial to you. Axis Bank offers a sub-premium card the Atlas that comes at a joining fee of Rs. 5000 plus taxes. It is not co-branded with any…

People who live a lavish lifestyle and want the best privileges prefer getting a premium credit card for themselves. American Express is one of the top card issuers, not just in India but the whole world. The Platinum Reserve credit card is its second-most premium offering and charges a joining…

Being invaluable tools, credit cards are very effective in managing personal finances. The efficiency is enhanced when credit cards are used with modern wallets. This means that when credit cards are used in digital forms, they can be more productive and rewarding. Modern wallets usually come with amazing features which…

Negotiating your credit card limit with an issuer is easier said than done. It is not that it is totally impossible to do so but it is quite a tricky and tough task. The most important thing while applying for a credit limit extension is, you need to be able…

HSBC Bank introduced the concept of ATM in India in 1987 and since then, the ATM and Debit Cards have been multiplying in numbers. All because of the convenience factor that gives the assurance to the people of a comfortable experience without wasting much time. Now unlike debit cards, the…

Starting a new business all from scratch is a very tough task. While doing so a lot of things needs to be considered in order to get the best outcome. Finance is a core of any business be it small or large, the better finances are managed, the better will…

For financial security, balance is a very important thing to focus on for healthy financial status. A nice mix of diversified blend in investments and saving goals and budgeting priorities are good habits. Prioritizing the important things and observing the spending habits and trying to mend them if necessary are…

Credit Cards are influential Financial Tools that everyone wants to get their hands on. But for some, this might not be possible for a few years and there are some others as well who have ruined their chances of doing so. Yes, in many cases an applicant might not be…

Axis Bank and IOCL collaborated to launch the co-branded Indian Oil Axis Bank fuel credit card, and this entry-level credit card charges an annual fee of Rs. 500 plus taxes. The card is ideal for people who regularly spend money on fuel and offers up to 5% rewards on IOCL…

The awareness of credit freeze amount for credit card user is very minimal. Credit Cards are very secure tools and hardly have any issues regarding the protection of the applicant’s financial data. It is very crucial information that can be used for credit theft by the outsider. Credit Freeze is…

Credit Cards are so in trend nowadays that everyone wishes to get their hands on one of them. But getting a credit is not necessarily very easy until and unless your financial history is flawless. Apparently, this will not be the case for the first timers or the beginners. We…

Today’s world is expensive and the prices of everyday commodities are rising quickly sometimes our limited income Is not enough to fulfill our daily expenses. In the old days, individuals used a cut-off on a few things to manage their finances but in this age, just cutting not-so-important expenses is…

American Express has a decent range of credit cards and is one of the most popular card issuers across the world. In the travel category, you can get the premium American Express Platinum Travel credit card that is perfect for frequent travellers. The card has great welcome and milestone benefits…

One of the best entry-level cards in India, the Axis Bank My Zone charges a joining fee of Rs. 500, and offers complimentary Sony LIV subscription as a welcome benefit. You get a decent reward rate where you can earn 4 RPs per Rs. 200 spent with the card, along…

How convenient it is to go to any store and make a payment with just a swipe. But the process of actually getting the payment done is quite tricky itself. This method can cause some expenses to the merchants accepting the payment. Whenever a merchant accepts a credit card as…

IDFC First Bank launched the First Private credit card last year and it is the most premium offering by the bank. It is an invite-only card and not everyone can apply for it. Also, it is exclusively for high net-worth individuals and charges a very high joining fee of Rs.…

Debts are inevitable if you are not responsible enough to take care of the repayments. Be it with credit cards or with any other financial aid, you ought to return the amount regularly. This can happen due to irresponsibility and not just a huge debt but you also end up…

Railways is one of the oldest modes of travel in India, and every day millions of people travel through trains across the country. There are several travel-based credit cards in the country, and for individuals who regularly travel via trains, they can opt for an IRCTC co-branded credit card. One…

Credit card users are pretty clear about their credit history and payments. To analyse their performance, the credit card processing companies release an updated credit report every 3 months. A credit report is used by lenders in a lot of areas. Having a credit card and a good credit report…

Young professionals and those who haven’t used a credit card before in their life can go for lifetime free or secured credit cards that don’t require a credit history or income proof. The IDFC First WoW is one such secured credit card. It is a lifetime free card without any…

There are so many different credit cards in the market with each offering different rewards and privileges that it becomes difficult for the cardholder to choose a particular card. The AU Bank LIT credit card is the India’s first customizable card on which you can choose the features based on…

Credit Cards are sure awesome tools and they do help a lot in case of financial emergencies and even for daily needs. But for people who are not very responsible about repaying their credit card bills regularly. No matter how great a tool is, if you are not responsible for…

Super-premium credit cards are exclusively for wealthy businessmen and high net-worth individuals, and the HDFC Infinia is one of the top cards in India in this category. HDFC Bank relaunched this card in the metal variant and it is an invite-only card that charges a joining fee of Rs. 12,500…

In today’s time, everyone wishes to gain financial independence. Financial Independence is everyone’s need and dream which is very important to crack. If you are not financially independent, your position in society becomes weak which can implicate many of your decisions. Financial Independence is as important as making ends meet.…

In the Super-Premium or Premium sector of society, many high-end credit cards are curated specially for high-value individuals. As they are curated for the high-end lifestyle of individuals, they are equipped with the most beneficial perks and added offers. Examples of such Premium category credit cards are Kotak White Reserve…

Being a beginner, you might not be aware of what exactly a credit card and its benefits are. Most people keep credit cards for emergency cash, but those people are not able to utilize the perks and benefits of that credit card, and all that goes to waste. We keep…

What an exhausting task it is to plan a whole vacation and not just for yourself alone but for your whole family. While traveling in your home country itself, this is not much of a hassle but when it comes to traveling abroad, many challenges are on your way. Managing…

A credit score is very important for everyone be it for a credit card application or loan. A good credit score can help you get a loan of the desired amount with a better scope for negotiation about the interest rates with the creditors. The same is not the case…

While traveling, there are not many tools that one can carry to fulfill every need.  Credit Cards are one of the things people prefer to carry while traveling as they are a great financial tool that can help you get extra money in case of emergency. Traveling is quite an…

Traveling gives you a great experience where you find new people and traditions, get to see the world, and find peace. Traveling also means shopping and a lot of it. The people who travel regularly might be aware of what they have to do to get the payments done abroad…

Credit Cards are widely used financial tools which are used to increase the financial stability of an individual. Credit Card is also a remarkable way of getting rewards on your every purchase and is an excellent way of building credit. There are many features and benefits which credit cards provide…

When it comes to cashback credit cards in the country, the Cashback SBI credit card is one of the first options that pop up. At a joining fee of Rs. 999 plus taxes, the card offers cashback on almost all transactions made by the cardholder. Recently, some of the features…

Being in a world where your financial health is the most important factor to survive, it is important to have the best financial tool one can have. Apart from Credit Cards, many other financial tools can help you maintain your financial status in society. But a Credit Card is the…

The SBI Bank and ICICI Bank, have always tried to fulfill the needs of every customer. The cards from both the banks always have one or two similarities and those are they both have very genuine credit limits and also possess exclusive offers. Both SBI SimplyCLICK Credit Card and Amazon…

Experian is a multi-national credit reporting company/bureau providing both individual and business credit scores. Experian credit score ranges from 300 being the lowest to 900 being the highest. The suggested scores are allotted on the basis of the detailed credit history of the user. The marking system with Experian can…

Air Vistara is among the best airlines in India and its frequent flyer program, Club Vistara, is highly rewarding and offers various privileges to members. Club Vistara has tied up with major card issuers in the country to offer co-branded travel cards in the mid-range as well as premium categories.…

For frequent travellers, travel credit cards offer many benefits and features, which make them a necessity. If you’re considering applying for one, here are the top features and privileges to look for.  Travel isn’t just about reaching your destination; it’s also about enjoying the journey. If you are a frequent…

Buying first and paying later is a norm for credit cards. This norm is a well-proven method when it comes to credit cards. However, this statement can also be implemented for charge cards. Precisely speaking charge cards are another type of card only just with no maximum limit. But the…

Traveling is an undeniably joyous experience but financially tiring as well. Managing finances so that we can do and get whatever we want while traveling is something we all are aware of. To manage the finances, we all try to do our best. Some stick to the traditional saving method…

The credit card market is very vast, the deeper you dive, the more you will discover. This field is very versatile as well. Depending on your need, there are various options present in the market. Even with just one bank, you will see different credit cards for a particular category.…

Financial independence is of the highest priority, especially these days when everything is all about your financial capability.  This is where credit cards become the most beneficial. Credit cards are financial tools. As we all know that credit card is like extra cash or money from a bank which you…

The HDFC Bank, being the largest private sector bank & a popular credit card issuer, is trusted by millions of people and they prefer having an HDFC Bank Credit Card over the credit cards from any other bank or issuer. HDFC Bank offers a wide range of credit cards targeted…

HDFC Bank Freedom Credit Card and HDFC Bank Bharat Credit Card by HDFC Bank are quite basic credit cards that provide the cardholders with cash points and cashback respectively on their purchases made using these credit cards. The HDFC Bank Freedom Credit Card is an entry-level credit card that provides…

The CIBIL report is very important for any Credit card user. Users are aware that their credit score and the chances to qualify for a loan depend on their credit report. When you repay your debt on time along with all the payments on time, this will increase your credit…

Citibank Prestige Credit Card and Citibank PremierMiles Credit Card offered by Citi Bank are travel credit cards that are best suitable for people who are frequent fliers, whether domestic or international. While the Citibank Prestige Credit Card is designed for the high net worth individuals of the society, who travel…

Credit cards are used enormously and are sometimes overused.  Using your credit card means credit utilization which affects your credit score mostly. Credit utilization is an important factor that credit card issuers check while looking at your application. Your credit utilization tells you the behavior of purchase and credit card…

SBI Prime Credit Card by SBI Card is a premium credit card that offers you various rewards and benefits while you use this credit card for your regular spends and provides you accelerated reward points while you spend on some specific categories such as dining, groceries, departmental stores, and the…

To get away from this tiring life, people prefer to travel at least once or twice a year. But for some, it has just been a dream so far as it can be quite an expensive affair to look at. And to manage our finances for the same is a…

Axis Bank ACE Credit Card is a cashback credit card, that has been launched by Axis Bank in collaboration with Google Pay and Visa to target the young generation of the society. With the launch of this credit card, the people who frequently use Google Pay to pay for the…

Complimentary lounge access is the biggest flex of having a credit card. Only these types of benefits make credit cards desirable. These benefits, being complimentary can make you think that there might be some restrictions on having to avail them. Yes, there are a few things that you will have…

When it comes to lifestyle credit cards, there are not much options in the market better than the HDFC Regalia credit card. It is packed with travel, shopping, dining, and other lifestyle benefits that a person wants with their card, and all this is provided at an annual fee of…

Both these credit cards by Kotak Mahindra Bank, namely the Kotak Mojo Platinum Credit Card and Kotak Royale Signature Credit Card are quite rewarding and popular credit cards. These cards provide the cardholders with reward points while they make regular spends using their credit cards and provide them with accelerated…

A credit report includes your credit history, repaying method, spending structure, credit score, financial health, etc. All these features are directed toward your credit health, if you have been a continuous credit card user, you have been given a credit score for the same. The credit report is something that…

SBI SimplyCLICK Credit Card is a basic but one of the most popular entry-level credit card by SBI Bank. This card has been designed for people who are newcomers in the field of credit cards and want to earn reward points on the spends that they make using the credit…

In today’s time people have so many bills to take care of. Utility bills like water, electricity, mobile phone, existing loans, credit card dues, etc. that it can get hard to keep all of them mind. Naturally, with so many payments to make, it is possible to forget and miss…

The Kotak Zen Signature Credit Card by Kotak Mahindra Bank is a reward credit card that provides the cardholder with rewards points in the form of Zen Points. The cardholders will get Zen Points against the amount that they spend using this credit card and accelerated Zen Points while they…

If you are a credit card user or even if you are not, you would be knowing the importance of a credit score. It plays a very important role when you apply for a credit card/loan and the card issuers have to make a decision on it. Your credit score…

Axis Bank Magnus Credit Card is a super-premium credit card by Axis Bank which has been designed to target the high-net-worth individuals who would like to enjoy luxuries in their lifestyle. This card is a full package of all the premium services that a high-end credit card offers starting from…

Almost everyone starts their credit journey with an entry-level credit card that comes with very basic benefits. But as you build your credit history, you might want to get better credit cards with higher reward rates and more & more privileges. Some people believe in getting another credit card while…

SBI Elite Credit Card by SBI is a premium credit card that offers some exclusive privileges that the premium cardholders want to enjoy which include complimentary domestic and international lounge visits, shopping vouchers from premium brands, discounts on dining bills, and much more. But on the other hand, SBI SimplyCLICK…

Credit Cards have made it easier to make large purchases even when you don’t have a sufficient amount for the same. Though the money you spend using credit cards is not for free, you get a decent time to repay the amount. Credit Cards offer an interest-free period of up…

SBI AURUM Credit Card and HDFC Bank Infinia Credit Card are super-premium credit cards launched by SBI Bank and HDFC Bank respectively. These credit cards are metal credit cards and are quite classy in appearance. These credit cards provide top-notch benefits to their members and give neck-to-neck competition to each…

Having a credit card has become very essential these days and that is why people sometimes take their decision in a hurry without actually doing thorough research on what type of credit card they want. This might also have happened to you when you applied for a credit card, got…

HDFC Bank Regalia Credit Card and SBI Prime Credit Card are one of the premium credit cards in the market that are designed for the elite section of society. Both the credit cards provide you with various exclusive offers on your travel and lifestyle spends. The HDFC Bank Regalia Credit…

Joint credit cards are less in use as compared to some years back, but still, they are useful for family members or partners who share their finances. Getting into a financial agreement with someone needs open communication and trust which makes joint credit cards a big responsibility for the cardholders.…

A lot of individuals are not aware of the term ‘Credit Card Network’ and even the people who have heard the term often misunderstand it. They think that a card network is the same as a card issuer, but that is one of the biggest misunderstandings cardholders may have. A…

Nothing lasts forever and the same goes for your credit card that comes with an expiry date. Before the expiry of your credit card, your card issuer sends a new one to your address around 1 or 2 months before your current card expires. Now, once you activate your new…

In today’s digital era, more and more people are switching to online, cashless transactions, especially after the Coronavirus pandemic. Recently, the RBI announced that individuals can link their credit card to the United Payments Interface (UPI) and use it to make UPI payments in a safe, secure manner. This is…

SBI Elite Credit Card is one of the premium credit cards by the State Bank of India that provides top-notch services and benefits to card members. This credit card provides the best value-added benefits that a cardholder may expect from a premium credit card which includes complimentary visits to the…

People have been using credit cards for a long time now as they can spend money when they are low on it, get decent interest rates, build their credit score, and earn exclusive rewards and benefits. Still, not everyone is convinced with the idea of credit cards and they are…

HDFC Bank Regalia Credit Card and American Express Platinum Travel Credit Card are travel credit cards that provide credit cardholders with significant travel and lifestyle benefits. HDFC Bank comes with an exclusive credit card that provides cardholders with amazing benefits who love to enjoy luxuries in their lifestyle and while…

In recent times, digital and plastic currency are arguably taking over paper currency and credit cards are a big reason behind this. A credit card can drastically improve your financial situation and offer many benefits and rewards on using it. You can even use the card to build a good…

Having a Credit Card that offers cashback on every transaction is undoubtedly a great deal. A Cashback Credit card is one that assists you in saving instantly on a purchase made in all categories, be it travel, shopping, dining, etc. Therefore, today we are going to talk about the two…

HDFC Bank Millennia Credit Card as the name suggests has been designed to target the millennials who shop quite frequently on the online platform. This credit card is offered by HDFC Bank in 4 variants – Visa, MasterCard, Diners Club, and RuPay. It is a cashback credit card that provides…

When used in a responsible manner, a credit card can offer multiple benefits and rewards to an individual. It is a type of unsecured loan that allows you to use funds to make payments which you can pay off later on. Most major banks have a variety of credit cards…

A cashback credit card by HFC Bank, HDFC Millennia Credit Card is very famous among the millennials of the society because of the cashback deals that this card provides to the card members especially when you shop on websites such as Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata…

With so many credit card issuers in the country, it gets difficult to choose which one to go for. To make this decision easier for people, credit cards offer a plethora of welcome benefits, exclusive offers and discounts with partner brands, reward points, and much more. If you use your…

SBI Card is one of the most trusted credit card issuers in the market. This bank has issued numerous credit cards starting from basic and entry-level credit cards to super-premium credit cards. The SimplySAVE Credit Card by the State Bank of India is a basic yet popular credit card among…

Credit card balances can be tough to manage sometimes but good strategies can come in handy when applied correctly. Card debts are tiring and stressful but once you get a full understanding of your bills and all the expenses you have created so far, it will be very easy to…

The InterMiles HDFC Bank Diners Club Credit Card is a co-branded card by HDFC Bank in collaboration with InterMiles, offering great travel benefits. The Card is a premium travel card that comes with an Annual fee of Rs. 5,000. The card comes with an InterMiles Gold Membership for the first…

Every lender and financial institution assess your credit report first before providing your any type of loan or line of credit. This credit report summarises your credit history for the past 36 months. It is your ability to take loans and repay them on time. You must have a good…

Paytm, one of India’s leading mobile payment apps and e-wallets has launched co-branded credit cards in collaboration with HDFC Bank as well as SBI Bank. Both the Banks are known for their trustworthy financial services, along with the credit cards that both the banks issue. Paytm HDFC Bank SELECT Credit…

An airline credit also known as a Travel credit card are issued by financial institutions by collaborating with the airline brands. An airline card allows its users to earn mile points along with rewards, although it’s not the case for every card. This means the brand of card you have,…

IndusInd Bank Platinum Credit Card is a decent credit card that provides the cardholders with generous rewards and benefits while the cardholders make regular spends using this credit card. The cardholders will also get exclusive welcome benefits once they successfully pay the joining fee of the IndusInd Bank Platinum Credit…

No, although being a frequent traveler does make it kind of necessary to have a traveling credit card if you want to save some part of your traveling expense or even if you can get reward points, it will be worth it. However, this might not be the case when…

SBI being one of the major credit card issuers in the market, issues various credit cards starting from basic credit cards to super-premium credit cards. SBI SimplyCLICK Credit Card, is a basic yet most popular entry-level credit card in the market. This credit card is quite famous among first-time credit…

HDFC Bank Regalia Credit Card and HDFC Bank Diners Club Privilege Credit Cards are premium credit cards in the market offering a wide variety of offers and benefits to its customers. These cards are designed for the society’s premium section, ensuring that the cardholders get the best of services and…

If you are a credit card user, you would surely be aware of some basic terms like payment due dates, billing cycle, minimum amount due, etc. A Credit Card Billing Cycle is one of the most important terms that you need to understand when you start using a credit card…

The HDFC Bank has launched many credit cards offering premium features and great benefits for all categories. The Bank issued two cards specifically designed for businesses in partnership with Paytm- Paytm HDFC Bank Business Credit Card and Paytm HDFC Bank SELECT Business Credit Card. So today, we are going to…

Credit scores are an essential measure of an individual’s creditworthiness and financial health. Lending institutions use credit scores to gauge an individual’s capacity to repay borrowed loans and credit card debts. A good credit score can enhance your chances of obtaining loans at favorable rates. Although the common misconception is that…

Credit cards can effectively handle your financial matters and develop your creditworthiness, but only some qualify for a credit card. Most credit card issuers have eligibility requirements that applicants must meet to be approved for a credit card. These requirements usually include a minimum age, a minimum income, and a…

The Kotak Royale Signature Credit Card is an entry-level credit card that provides cardholders with reward points on the basis of the amount that they spend using the credit card. While the cardholders may get general reward points while they spend through the credit card, they will get accelerated reward…

The interest rates charged on credit cards seem pretty outrageous, some might even stretch beyond the 55% annual percentage rate (APR), which is far higher than mortgage or auto loans. The average credit card interest rate or the finance charge is somewhere around 45%. This credit interest rate is charged…

Kotak Royale Signature Credit Card is a basic credit card by Kotak Mahindra Bank but is quite famous amongst the customers because of the rewards and benefits that this card offers to its members. Instead of being an entry-level credit card, this card provides some great features such as reward…

With the rising fuel prices and so as its consumption can be an expensive deal for many people. At this time fuel credit cards look like a savior for people whose fuel purchases are regular. While the cards offer a certain percentage of fuel surcharge waiver per month, there are…

MakeMyTrip ICICI Bank Platinum Credit Card is a co-branded travel card for which MakeMyTrip and ICICI Bank have partnered with each other. With this credit card, the cardholders will get rewards in the form of My Cash which can be redeemed for booking hotels, flights, and holiday bookings on MakeMyTrip.…

As the competition in the credit card market is increasing every day, all card issuers try to provide their customers with the best experiences. To attract every segment of individuals, some banks and card issuers also believe in issuing credit cards that are relevant to a specific category. This helps…

A decent credit card offered by IndusInd Bank, IndusInd Bank Platinum Credit Card provides cardholders with a plethora of rewards and benefits once they start using this credit card. The credit card not only provides exclusive offers on renowned brands as welcome benefits but also provides reward points while they…