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Should You Pay Only the Minimum Amount Due on Your Credit Card?

Shruti SharmaNo Comments
Paying only the minimum amount due is a common practice that many credit cardholders follow when making bill payments. While consumers often believe that paying just the minimum is a good way to build credit and maintain a healthy credit score, this can have negative consequences if it becomes a regular habit. Here's everything you...
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Best HDFC Credit Cards for 2025

Rupanshi Thapa2 Comments
HDFC Bank offers credit cards that cater to different individual needs such as shopping, travel, fuel, entertainment, dining and more. You can find entry-level cards as well as premium cards with extraordinary benefits. However, the best HDFC credit card for you would be the one that offers the highest value-back on your preferred spending categories....

How Credit Cards Affect Your Credit Score

Rupanshi Thapa5 Comments
Credit score is a 3-digit number that represents your creditworthiness basis how you have been managing your loans and credit cards. It is the first thing that lenders check when you apply for a new credit product and directly impacts your chances of approval for the same. Factors like payment history, credit utilization ratio, length...
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Expenses you Should Never Put on your Credit Card

Megha KhannaNo Comments
We often talk about the best ways to use credit cards and make the most of their rewards and benefits. However, it is equally important to know where not to swipe your credit card. Certain transactions, that may seem convenient at the moment, can lead to unnecessary penalties, escalating debt and may even cause long-term...

AU Zenith Vs Zenith+: Which Card Offers Better Value?

Shruti SharmaNo Comments
AU Small Finance Bank’s two premium credit cards — AU Zenith and AU Zenith+ — are gaining popularity due to their rewards programs and lifestyle benefits. While AU Zenith+ is considered to be a premium 'metal' variant of AU Zenith, it falls short when it comes to the rewards program. However, AU Zenith+ makes up...

Charge Cards vs. Credit Cards: Key Differences You Should Know

Shruti SharmaNo Comments
When it comes to borrowing, most consumers are familiar with credit cards. However, there’s another equally valuable but often overlooked option- Charge Cards. While both credit cards and charge cards can be used for online and offline purchases, they differ significantly in how they operate. In India, the charge card segment is extremely niche. While...
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Axis Magnus vs. Magnus for Burgundy: Which card delivers more value?

Rupanshi ThapaNo Comments
In 2023, Axis Magnus Credit Card quickly rose to fame for its high reward rate, monthly milestone benefits and an excellent 5:4 points-to-miles conversion ratio. However, things changed in April 2024, when Axis Bank significantly devalued the Magnus card, leaving many users disappointed. Slashed redemption value from 5:4 to 5:2 was the most notable downgrade,...
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Compare: HDFC Bank Millennia Vs. HDFC Bank MoneyBack+

Megha Khanna2 Comments
HDFC Millennia and HDFC MoneyBack+ are both entry-level cards for new to credit customers. The cards extend accelerated benefits around popular everyday brands like Amazon, Swiggy, Flipkart, etc and some similar type of benefits around card activation and milestone spends. Exclusive Card Offers from India’s top banks are just a click away Enter Mobile Number...
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ICICI iShop Vs HDFC SmartBuy

Shruti SharmaNo Comments
For years, HDFC credit cardholders have been maximizing their benefits through the SmartBuy portal—earning accelerated rewards and redeeming them across multiple categories. Now, with iShop, ICICI Bank credit cardholders can also get a similar experience and accelerated value-back. Through iShop, ICICI cardholders can earn up to 12X rewards on hotel bookings and 6X on flight...
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