KnowYourFinance Methodology

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Master the credit game with unfiltered advice, brutal math, and zero fluff.

Founder Top Picks
Axis Magnus Review 2026: The Fallen King?
Reviews
#Premium#Travel#Lounge Access

Axis Magnus Review 2026: The Fallen King?

From 25,000 bonus points to a 5:2 transfer ratio. The Axis Magnus has fallen hard. But for Burgundy clients, it might still have a pulse.

HDFC BizBlack Review: The Ultimate Tax Payment Card?
Reviews
#Business#Premium#Tax

HDFC BizBlack Review: The Ultimate Tax Payment Card?

Business owners listen up. This card turns your tax payments into luxury vacations. We review the 5X rewards on GST and Income Tax.

Airtel Axis Bank Credit Card Review: 25% Cashback Reality?
Reviews
#Utilities#Airtel#Cashback

Airtel Axis Bank Credit Card Review: 25% Cashback Reality?

If you use Airtel, this card is mandatory. But what about the caps? We analyze the 25% cashback on bills and the 10% on Swiggy/Zomato.

Kiwi UPI Credit Card Review: 2% Cashback on Scan & Pay?
Reviews
#UPI#RuPay#Cashback

Kiwi UPI Credit Card Review: 2% Cashback on Scan & Pay?

Scan & Pay and earn rewards? The Kiwi RuPay Card offers up to 2% cashback on UPI transactions. But there's a catch involving a subscription.

Axis Flipkart Review: Is It Still the 'King' of Cashback?
Reviews
#Shopping#Cashback#Review

Axis Flipkart Review: Is It Still the 'King' of Cashback?

5% Unlimited Cashback* on Flipkart. The asterisk is new. We break down the new capping rules and compare it with the SBI Cashback Card.

HDFC Marriott Bonvoy Review: The Traveler's Cheat Code?
Reviews
#Travel#Marriott#Hotels

HDFC Marriott Bonvoy Review: The Traveler's Cheat Code?

Is the HDFC Marriott Bonvoy card the best travel card under ₹3,000? With a free night award on joining and unlimited lounge access, it makes a compelling case.

Yes Bank Pop-Club Review: The 10% 'Online' Reward Card?
Reviews
#RuPay#UPI#Review

Yes Bank Pop-Club Review: The 10% 'Online' Reward Card?

10% Returns on Online Spends. 5% on UPI. It sounds too good to be true. We review the new Yes Bank Pop-Club Card to see if the math holds up.

Swiggy HDFC Card Review: The 'Zomato Killer'?
Reviews
#Food Delivery#Cashback#Review

Swiggy HDFC Card Review: The 'Zomato Killer'?

10% Cashback on Food. 5% on Amazon. 3 Months Swiggy One Free. Is the Swiggy HDFC card the new king of entry-level credit cards? We simulate the savings.

IDFC FIRST Mayura Review: The Most Beautiful Card in India?
Reviews
#Metal Card#Zero Forex#Review

IDFC FIRST Mayura Review: The Most Beautiful Card in India?

With a peacock-themed metal design and zero forex markup, the IDFC Mayura is a stunner. But is it worth the ₹5,999 fee? We review the benefits.

Uni GoldX Review: Gold Rewards + 0% Forex (Is it a Gimmick?)
Reviews
#Travel#Forex#Gold

Uni GoldX Review: Gold Rewards + 0% Forex (Is it a Gimmick?)

Uni is back with GoldX, offering 24K Gold rewards and 0% Forex Markup. Is this RuPay card the new travel king? We verify the claims.

Axis Horizon Review: The 'Citi PremierMiles' Successor?
Reviews
#Travel#Miles#Review

Axis Horizon Review: The 'Citi PremierMiles' Successor?

With Citi gone, Axis launched the Horizon to capture the travel market. But with a 3.5% Forex Markup, is it really a travel card? We break down the math.

Fi MagniFi Credit Card Review: The 'Weekend' Specialist
Reviews
#Lifetime Free#Weekend Rewards#Review

Fi MagniFi Credit Card Review: The 'Weekend' Specialist

Earn 5% value on all weekend spends and get 20% off on Zomato/Amazon. Is this the best Lifetime Free card for Gen Z? We analyze the math.

SBI Cashback Credit Card Review: The 5% Everything Card
Reviews
#Cashback#Online Shopping#Review

SBI Cashback Credit Card Review: The 5% Everything Card

Flat 5% Cashback on almost all online spending. No merchant restrictions. But beware of the exclusions list. We break down the math.

Reward Point Expiry: The Hidden Revenue Model
Guides
#Rewards#Expiry#Banking Strategies

Reward Point Expiry: The Hidden Revenue Model

You think your reward points are 'Money'. The bank thinks they are 'Liability'. And they have a dedicated team working to make them expire worthless.

Credit Score Myths: Why Chasing 900 Is a Waste of Time
Guides
#CIBIL#Credit Score#Myths

Credit Score Myths: Why Chasing 900 Is a Waste of Time

You think 900 is better than 780. The bank disagrees. We expose the 'Credit Mix' secrets and valid usage of enquiries that agents hide.

Forex Markup: The 4.13% Travel Tax You Don't See
Guides
#Forex#Travel Hacks#Zero Forex

Forex Markup: The 4.13% Travel Tax You Don't See

You bought an iPhone in Dubai thinking it's cheap. Your Credit Card bill shocked you. Meet the 'Forex Markup'—the silent wealth killer of travelers.

Lifetime Free vs Premium: Why Paying a Fee Makes You Richer
Guides
#Credit Cards#Annual Fee#Reward Rate

Lifetime Free vs Premium: Why Paying a Fee Makes You Richer

You rejected a card because it had a ₹3,000 annual fee. You picked a 'Free' card instead. Congratulations, you just lost ₹7,000 in profit. Here is the math.

The Interest Trap: How Banks Legally Steal Your Future
Guides
#Debt#Basics#Wealth

The Interest Trap: How Banks Legally Steal Your Future

Credit card interest isn’t just a fee; it’s a wealth killer. Master the timeline of your billing cycle to borrow money for free, forever.

Points vs. Cashback: The Honest Truth of Value
Guides
#Strategy#Travel#Cashback

Points vs. Cashback: The Honest Truth of Value

Stop chasing points if you don't travel. Here's the brutal math on why cashback might be the better king for your wallet.