Category: Credit Card

SWIPE SMART is a monthly credit card newsletter designed to help you unlock the full value of your cards. We break down complex features, spotlight category-specific benefits, and share real user stories — so you can spend smarter and save more, every single month. The ONLINE SHOPPING EDITION explores how online shoppers can use credit...

AU LIT gained popularity for being India’s first customizable credit card. Later, HDFC Bank entered the market with HDFC Pixel Play Credit Card, another customizable card that allows cardholders to choose benefits as per their lifestyle. While HDFC Pixel Play is a cashback card that allows cardholders to select up to two categories for earning...

HDFC Regalia Gold, Axis Select and SBI Prime credit cards are some of the popular cards available in the market at moderate annual charges. They not only come with a good rewards program, but also offer different lifestyle benefits targeted towards travel, shopping, dining, golf and many more. Despite all being rewards focused all-rounder cards,...

As beginners, choosing the right credit card can be confusing, due to the wide range of options available. However, making a choice becomes easy once you know which cards to focus on based on your income eligibility. Many leading card issuers in India offer credit cards designed for new-to-credit customers that feature easier income eligibility,...

For a long time, Flipkart Axis Bank Credit Card remained a solid option for Flipkart and Myntra loyalists offering 5% cashback on both platforms. However, through subsequent feature updates and devaluations, Myntra benefit reduced to the base rate (1%). Meanwhile, Myntra’s own co-branded card – Myntra Kotak – took the centre stage with 7.5% discount...

HDFC Bank has announced revisions in the charges applicable on certain transactions like online skill-based gaming, wallet loading, utility bill payments, rent, fuel, education, and insurance. While these are often excluded from the rewards or cashback program, from 1st July 2025, a 1% transaction charge will be imposed on these spends exceeding a specified threshold,...

When used responsibly, a credit card can help you build a strong credit profile and save on your regular spends. However, for beginners who have limited knowledge of credit cards, it could be difficult to choose the right one from multiple options. Before you begin shortlisting credit cards, the first step should be to understand…

Credit cards, when used wisely, can be a smart financial tool rather than just a payment method. They not only help manage monthly expenses but also offer benefits like cashback, rewards, air miles, and discounts. More importantly, consistent and disciplined usage can build a strong credit history, improving your financial profile. However, the key is…

A good credit score not only opens doors to multiple credit opportunities but also gives you the power to negotiate a better deal with lenders. However, individuals who are new to credit or those with a damaged credit score might face difficulty in getting approval for loans and credit cards. They would first need to…

Credit cards, if not used responsibly, can easily and quickly lead to a debt spiral. Not paying your credit card outstanding can become financially draining, as you keep accumulating interest on your balance as well as new purchases, making your credit card debt larger with each day. While unforeseen  emergencies can sometimes lead to unmanageable…