Credit Cards

Credit card fraud protection in brief: Call the bank’s dedicated fraud reporting number within 3 days, RBI mandates zero liability for fraud reported within 3 working days. Card-not-present fraud: where a scammer never touches your physical card but still drains your account through a phishing link or fake SMS, now accounts for the majority of

How to apply first credit card in brief: Getting approved for your first credit card in India is largely about proving you’re a safe bet with no credit history to show for it, a catch-22 that trips up a lot of first-time applicants. Getting approved for your first credit card in India is largely about

Credit card EMI converts large purchases into smaller monthly installments, making expensive items more affordable. While convenient, it comes with interest costs and conditions that every cardholder should understand before opting for EMI conversion. Types of Credit Card EMI Merchant EMI or No-Cost EMI is offered at checkout on e-commerce sites and retail stores. The

Best travel credit cards in brief: For frequent travelers in India, the right card can save ₹50,000-₹2,00,000 annually through airline miles, lounge access, and travel-specific benefits. A travel credit card’s real value isn’t the joining bonus or the flashy metal design, it’s the mile-to-rupee conversion rate and lounge access terms, both of which vary enormously

Credit card billing cycle in brief: Your credit card billing cycle is a period of approximately 30 days during which all transactions are recorded. The gap between your billing cycle ending and your due date is actually an interest-free window on new purchases, but only if you pay your previous statement in full, since carrying

Best credit cards online in brief: Co-Branded E-Commerce Cards Amazon Pay ICICI Credit Card offers 5% back on Amazon for Prime members (3% for non-Prime), plus 2% on digital payments and 1% on all other spends. A co-branded e-commerce credit card can offer 5-10% cashback on one specific platform, while a general rewards card offers

Credit card vs debit in brief: A credit card lets you borrow money from the bank for each purchase, giving you a 20-50 day interest-free period before the bill is due. A debit card only ever spends money you already have; a credit card lets you spend the bank’s money and pay it back later,

Credit card rewards maximization in brief: Strategic credit card management can earn you ₹20,000-₹1,00,000+ annually in rewards, cashback, travel benefits, and milestone bonuses without changing your spending habits. Most cardholders redeem rewards points for statement credit at a poor conversion rate, when the same points often convert to significantly more value through flight bookings or

At 36–48% annual interest, credit card debt is one of the most expensive mistakes you can make. Here’s exactly how to use credit cards for free — and never pay a rupee in interest.

The right cashback credit card puts thousands of rupees back in your pocket every year — just from spending you’d do anyway. Here’s how to pick the best one for your lifestyle in 2026.