Beginner8 min
Your first credit card: a practical India guide
Choose a starter card, use it safely, and build credit without chasing every offer.
Read guide →Learn the rules before the rewards
Credit Card Guides for India
Clear explanations for choosing, using, and closing cards safely—without the affiliate pitch.
10 practical guides
CIBIL & Credit Score7 min
CIBIL score explained without jargon
What affects your score, what does not, and how lenders may interpret it.
Read guide →Beginner6 min
Statement date vs due date
Understand the billing cycle, interest-free period, and the date that actually matters.
Read guide →Fees & Charges5 min
The minimum due trap
Why paying only the minimum can make an ordinary purchase very expensive.
Read guide →CIBIL & Credit Score7 min
Credit utilisation explained
How reported balances affect your profile and what “under 30%” really means.
Read guide →Rewards & Cashback9 min
How credit card reward points work
Earn rates, point values, caps, expiry, transfer partners, and hidden complexity.
Read guide →Lounge Access8 min
How airport lounge access works
Spend thresholds, network rules, domestic vs international, and common surprises.
Read guide →Beginner7 min
How to close a credit card safely
Check rewards, recurring payments, dues, utilisation, and written closure proof.
Read guide →Rewards & Cashback6 min
What to do when cashback fails
Build a clean evidence trail and escalate a missing reward effectively.
Read guide →Disputes & Chargebacks10 min
How to handle a disputed transaction
Immediate steps, issuer escalation, timelines, and safer documentation.
Read guide →Have a practical question?
The guide explains the rule. The community helps with the edge case.
Ask about your situation using safe ranges and no personal financial identifiers.