Charged twice, billed the wrong amount, or paid for something that never arrived? You can dispute a credit card transaction and get your money back through the chargeback process. Here’s how it works in India and how to raise it the right way. In short: first contact the merchant; if that fails, raise a dispute…
Converting a big credit card purchase into EMIs can make it manageable — and is almost always cheaper than letting the bill revolve at 35–45% annual interest. But “EMI” isn’t free: there’s usually interest, a processing fee, and GST. Here’s how credit card EMI works in India and when it’s worth it. In short: you…
A higher credit limit can actually help your credit score (by lowering your utilisation ratio) and give you more room for big purchases — if you use it responsibly. Here’s how to get your credit card limit increased in India, and when it’s worth asking. In short: banks raise limits automatically for well-behaved customers, or…
If your credit card is lost, stolen, or you spot a transaction you didn’t make, speed matters — blocking the card and reporting fast is what protects your money under RBI’s customer-liability rules. Here’s exactly what to do, in order. Do this first: block the card immediately (app, 24×7 helpline, SMS/IVR or net-banking), then report…
Closing a credit card sounds simple, but doing it in the wrong order can cost you reward points, leave auto-debits stranded, or even dent your credit score. Here’s how to cancel a credit card in India the right way — and when it’s smarter to keep it open. In short: clear all dues, redeem your…
Having the right documents ready is the difference between a credit card application approved in minutes and one stuck in verification. This guide lists exactly what Indian banks ask for — for salaried and self-employed applicants — and how paperless KYC has simplified things. The short list: PAN card, one identity proof, one address proof,…
Before you apply for a credit card in India, it pays to know whether you’ll actually qualify — because every rejected application can chip away at your credit score. This guide explains the eligibility criteria Indian banks look at: age, income, credit score, employment, and residency, plus what to do if you fall short. In…
Applying for a credit card in India is mostly an online, paperless process today — but a little preparation (checking your eligibility and keeping documents ready) makes approval far more likely and faster. This step-by-step guide walks you through the whole journey, from choosing a card to activating it. In short: check your eligibility and…
HSBC India runs a compact but well-regarded card line-up — strong cashback options, a travel card with flexible point transfers, and premium cards tied to its Premier relationship and the Taj hotels group. Here are the best HSBC credit cards for 2026 by need, linked to our independently verified reviews. Fees are annual fees plus…
India’s biggest card issuers each run their own rewards-and-travel portal — HDFC’s SmartBuy, ICICI’s iShop, Axis’s EDGE Rewards / Travel Edge, and HSBC’s rewards and travel redemption platform. They look similar but differ a lot in how you earn, how you redeem, and how much a point is actually worth. Here’s how they compare. Quick…
iShop is ICICI Bank’s online shopping and rewards portal — the ICICI equivalent of a bank shopping mall, where cardholders can earn accelerated reward points and access curated deals on flights, hotels, gift vouchers and brand stores. Used well, it meaningfully boosts the rewards you earn on everyday online spending. In short: iShop lets ICICI…
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…