Credit card vs debit card in India 2026: real comparison of grace periods, rewards, fraud protection, CIBIL impact, and which to use for online shopping, travel, ATM, and large purchases.
Credit card behaviour drives 60-80% of your CIBIL score movement. How payment history, utilisation, credit age, and inquiries each affect your score, plus how to build credit from zero or repair damage in 2026.
Complete beginner’s guide to credit cards in India 2026: how they work, grace period, eligibility, rewards, hidden costs, and the best first card to pick based on your profile.