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…

Starting to build your credit score early is a sign of financial prudence. The sooner you begin your credit journey, the easier it will be to build a strong credit profile. This will play a major role when you later set out to achieve bigger life goals like buying your dream home or a luxury…

For a large number of consumers deciding between a cashback and a rewards credit card can be confusing. While cashback credit cards are attractive due to their straightforward benefit structure, rewards credit cards can enables you to accumulate points that can be redeemed against free flights, hotel stays, products or vouchers. Both offer value-back on…

Travel credit cards can be an excellent option for frequent travellers. With benefits like complimentary flight tickets, air miles, lounge access, direct discount on travel booking, etc., cardholders can save a significant amount and, at the same time, make their trips more convenient.  However, with so many travel credit cards available in the market today,…

Air miles credit cards are travel-centric cards offering value-back in the form of air miles, which can be utilized to avail free flight tickets or class upgrades. Most air miles credit cards are co-branded with popular airlines but some credit cards also come with ‘miles’ as their reward currency, which can be redeemed across multiple…

If you have multiple credit cards, you might be wondering whether it would be wise to close one of your existing credit card accounts. While closing a credit card is easy, you should carefully weigh the pros and cons before taking a decision. Here are a few things you must consider before closing a credit…