Credit Card Tips

ICICI Bank’s reward-redemption setup is straightforward once you know where to look. This guide covers how ICICI Reward Points work, how to redeem them, what they’re worth, and which ICICI cards skip points entirely in favour of direct cashback. In short: ICICI Reward Points are typically worth around ₹0.25 each, redeemed via iMobile / internet…

SBI Card runs one of India’s largest reward ecosystems, but the rupee value you actually get depends heavily on how you redeem. This guide explains how SBI Reward Points work, where to redeem them, what they’re worth, the fees to watch, and how to avoid the low-value traps. In short: SBI Reward Points are typically…

Axis Bank runs two related but different reward currencies: EDGE Points, earned on most Axis cards, and EDGE Miles, earned on the travel-focused Atlas card. How you redeem each makes a big difference to the value you get. Here’s how the Axis EDGE rewards ecosystem works. In short: EDGE Points redeem for vouchers and products…

Why your fuel/grocery card may not earn rewards where you expect: MCC codes explained, common surprises (BigBasket is e-commerce, IRCTC is railways), card-specific MCC sensitivity.

Card strategy for a ₹15-30L Indian wedding: category-card mapping, welcome bonus stacking (₹50K-1L free), sample budget breakdown, traps to avoid.

Reward expiry rules across every major Indian credit card issuer: from never-expire (Amex, IDFC FIRST) to 12 months (Axis, HDFC CashPoints, Kotak). Strategies to never lose points.

RBI’s October 2022 tokenization rules forbid merchants from storing your card number. They store a merchant-specific token instead. How it works + why this matters.

HDFC SmartBuy redemption tutorial: per-card conversion rates, best categories (flights vs vouchers vs statement credit), quarterly caps, hidden quirks, step-by-step booking.

Withdrawing cash on a credit card costs 50-60% annualised — bank fee + GST + day-1 interest stacked. Worked math, alternatives ranked, when (if ever) it makes sense.

RBI AFA rules require OTP for every recurring credit card debit above ₹15,000. Below that, automatic — but only if merchant + bank both onboarded.

As of FY 2026-27, credit card foreign spends are still excluded from LRS — zero TCS. Forex cards attract 20% TCS above ₹10L per year. Real math + strategy.