Reward strategies, fee deep-dives, and category guides — written for people who read the fine print.
Many SBI Card users are noticing incorrect overdue reporting on CIBIL, causing credit scores to plummet by 50-70+ points. Here is how to raise a dispute and fix it.
Amodh Shetty·12 min readRead analysisRuPay credit cards on UPI promised 1-2% rewards on every scan. Here is the raw mathematical truth behind MDR caps, merchant QR rejections (P2M vs P2PM), and minimum spend traps.
15 min readAxis Bank implemented major credit card changes in 2026. From August 28 DCC markup increases to 3.5%, toll exclusions, Travel EDGE partner removals, and Airtel Axis capping rules, here is the raw mathematical truth.
18 min readFilter by category. Every piece is editorially independent.
IDFC FIRST Bank has announced zero forex markup across its entire credit card portfolio. Here is the mathematical breakdown of your real savings, the hidden DCC trap, and which IDFC cards offer the best value.
Axis Bank and IndiGo recently launched two new co-branded credit cards. Here is the raw mathematical breakdown of their rewards, lounge gating, and whether they are worth the annual fee.
HDFC Bank implemented massive devaluations on July 1, 2026. From SmartBuy voucher caps to ₹60k quarterly lounge spend gates, here is the raw mathematical truth.
Can a secured credit card really offer airport lounge access and UPI rewards? Read the brutal mathematical breakdown of the Novio DCB & SBM FD cards.
Is the legendary Amex Platinum Charge card worth a massive ₹77,880 annual fee? We do the math on the 100k points welcome gift, Marriott/Hilton Gold tiers, and global lounge network.
Can an FD-backed RuPay card with 2% UPI cashback build your credit score for free? We break down the math on the SBM ZET RuPay card, ZET Plus fees, and closure charges.
Revised fees, 55,000 Avios, and a complimentary Qatar Gold tier—is this the ultimate travel credit card in India? We break down the math.
What used to be a clean ₹4L milestone card is now a far more demanding ₹7L card. Here is the updated math and who should still keep it.
IndiGo and Axis Bank launched two new co-branded credit cards in 2026. Are the new 'BluChips' worth chasing, or does cash still reign supreme? We do the math.
It is not just a card; it is a cult. With a ₹11.5 Lakh joining fee and invite-only access, the Amex Centurion is the ultimate status symbol. But does it make financial sense?
Move over Axis. SBI has entered the chat with a card that gives 7.5% Cashback on Myntra and 5% on Flipkart. We review the details.
Travel cards have seen massive devaluations in 2026. Discover why chasing points is a losing game and which 3 core cashback cards will save you thousands.
Zero Forex markup. Lifetime Free. Unlimited Lounge Access (with a catch). Scapia changed the game, but the new 2026 rules might change your mind.
5% cashback still works on broad online shopping, but the new ₹2,000 online cap and added exclusions make this a much narrower proposition than before.
Business owners listen up. This card turns your tax payments into luxury vacations. We review the 5X rewards on GST and Income Tax.
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.
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.
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.
5% Unlimited Cashback* on Flipkart. The asterisk is new. We break down the new capping rules and compare it with the SBI Cashback Card.
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.
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.
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.
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 is back with GoldX, offering 24K Gold rewards and 0% Forex Markup. Is this RuPay card the new travel king? We verify the claims.
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.
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.
Lifetime Free. 1.5% Forex Markup. International Lounge Access. Is this the best travel credit card for beginners? We review the Tiger.
It usually costs ₹3,000. But right now, it is Free. Forever. We review the BOBCARD Eterna to see if it beats the SBI Cashback.
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.
You think 900 is better than 780. The bank disagrees. We expose the 'Credit Mix' secrets and valid usage of enquiries that agents hide.
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.
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.
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.
Stop chasing points if you don't travel. Here's the brutal math on why cashback might be the better king for your wallet.