Credit Card Tips

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.

Most Indian premium credit cards advertise “free travel insurance” worth ₹50 lakhs or more. The marketing oversells what’s actually covered — the typical real coverage is air-accident insurance (one-time payout if you die in a plane crash on a flight you booked with the card), lost-checked-baggage compensation of ₹10,000-50,000, and limited trip-delay reimbursement. Medical evacuation,…

An add-on credit card (also called supplementary or secondary card) is a card issued on the same account as your primary card, sharing the same credit limit but printed in a family member’s name. They’re cheaper than getting a separate card, build credit history for the holder, and unlock airport lounge access for spouses on…

Indian credit card reward programmes silently devalue 2-4 times per year. HDFC SmartBuy capped points in 2023, ICICI Emeralde Private Metal tightened lounge benefits in 2024, Axis Magnus dropped 10X reward category in 2023 and the legendary Diners Black SmartBuy 10X has been capped multiple times. This is a live tracker of all major Indian…

Indian credit card welcome bonuses now run ₹5,000-50,000+ in value. “Churning” — strategically applying for cards primarily for their welcome bonus, then either downgrading or closing them — is legal, growing in the Indian personal-finance community, but comes with three real risks: CIBIL hits from multiple inquiries, bank-imposed cooldowns, and tax implications above ₹10L spend….

A credit card’s “50-day interest-free period” is real but mostly an accident of when you spend. Spend right after your statement closes and you get the full ~50 days. Spend the day before it closes and you get only 20-25 days. This guide shows how billing dates actually work, the math for your specific card,…