Credit Card GuideOctober 5, 2026
What to do when a credit card expires
A practical guide to renewal consent, replacement-card delivery, activation, recurring payments and securely disposing of an expired card.
India Credit Card Intelligence
Credit card news with the numbers checked first
RBI data, card-market moves, payments updates, and consumer-impact notes for India.
Credit Card GuideOctober 3, 2026
Statement balance versus current outstanding explained
A practical guide to statement balances, current outstanding, unbilled transactions, available credit and the amount normally payable by the due date.
Card LaunchSeptember 26, 2026
SBI Card adds FD-backed Advantage card applications to YONO
Eligible SBI fixed-deposit customers can use a new paperless YONO journey to apply for one of four secured Advantage SBI Card variants.
Credit Card GuideSeptember 30, 2026
Credit-card late payments: RBI's three-day rule explained
An evergreen guide to the payment deadline, late-payment charges, finance charges, adjusted outstanding balances and credit-bureau reporting.
Credit Card GuideSeptember 29, 2026
How credit-card finance charges are calculated
An evergreen guide to APR, transaction dates, adjusted outstanding balances, payment allocation and the loss of the interest-free period.
Credit Card GuideSeptember 27, 2026
Credit-card balance transfers: compare the complete repayment
An evergreen guide to balance-transfer APRs, processing fees, EMI structures, transfer timing and foreclosure checks.
Credit Card GuideSeptember 22, 2026
Add-on credit cards: shared limits and repayment responsibility
An evergreen family-card checklist covering primary-holder liability, shared credit, issuer fees and benefits that need separate verification.
Credit Card GuideSeptember 21, 2026
Credit-card AutoPay failure: check before paying again
An evergreen guide to tracing a missing automatic payment, checking pending debits and resolving unpaid dues without assuming a retry.
Credit Card GuideSeptember 20, 2026
Credit-card EMI conversion: compare the full cost
An evergreen checklist for evaluating EMI interest, fees, no-cost discounts, rewards and early closure before converting a purchase.
Payments UpdateOctober 1, 2026
Apple Pay launches in India for eligible Axis Bank credit cards
Axis Bank has officially launched Apple Pay for eligible Visa and Mastercard credit cards, with in-store, in-app and online payments across supported Apple devices.
Credit Card GuideSeptember 18, 2026
Charged twice on a credit card? A dispute checklist
Charged twice for one purchase? Learn how to check the entries, collect evidence, raise a dispute and confirm what to pay while it is reviewed.
ComparisonSeptember 17, 2026
Five no-annual-fee credit cards compared by use case
Compare five credit cards with no joining or annual fee, matched to shopping, travel, everyday rewards and UPI, with important costs and conditions.
Credit Card GuideSeptember 17, 2026
Missing credit-card reward points: a troubleshooting checklist
An evergreen guide to checking reward posting, eligibility, caps, EMI adjustments and expiry before contacting the issuer.
Payments UpdateSeptember 16, 2026
NPCI sets merchant UPI MDR above ₹2,000
NPCI guidance reported by financial publications sets a 0.4% merchant charge on covered bank-account UPI payments above ₹2,000 from October 15; credit-linked UPI remains outside this framework.
Credit Card GuideSeptember 14, 2026
How to change a credit-card billing cycle
RBI directions require covered card issuers to let cardholders modify their billing cycle at least once, subject to issuer-supported dates and procedures.
Card LaunchSeptember 13, 2026
Federal Bank and Paisabazaar launch grocery-focused RuPay card
The Paisaback Credit Card advertises 7.5% CashPoints on eligible grocery spending, with lower rates on other eligible card and UPI transactions and a monthly reward cap.
Credit Card GuideSeptember 9, 2026
How to close a credit card safely in India
RBI directions set a seven-working-day closure timeline for covered issuers after dues are cleared, with conditional compensation for delay.
Credit Card GuideSeptember 10, 2026
Credit-card cash withdrawal charges explained
A cash advance may carry a transaction fee and finance charges from the withdrawal date, making it different from an eligible retail purchase.
Card UpdateSeptember 8, 2026
American Express to discontinue Reward Multiplier
American Express says Reward Multiplier will end effective September 30, while accelerated rewards can continue on eligible ShopWise e-voucher purchases.
Card LaunchSeptember 7, 2026
Axis Bank and Scapia launch a co-branded travel credit card
The new Scapia Axis Bank Credit Card is offered on Mastercard and RuPay with zero joining and annual fees, travel rewards and spend-linked airport privileges.
Credit Card GuideSeptember 6, 2026
Credit-card overlimit consent and fees explained
RBI directions require prior explicit consent before an issuer provides overlimit usage or levies an overlimit charge.
Credit Card GuideSeptember 5, 2026
Credit-card refunds after bill generation explained
A posted refund can reduce unpaid dues, while a refund received after payment may create a credit balance that can be returned to the cardholder's bank account.
Credit Card GuideSeptember 3, 2026
Minimum Amount Due vs Total Amount Due explained
Paying only the minimum does not clear a credit-card bill. The remaining balance can attract interest, and the interest-free period may be suspended.
Card UpdateSeptember 2, 2026
Axis Bank adds international travel declaration for cardholders
Eligible Axis Bank credit-card customers can declare overseas travel in the mobile app, giving the bank additional context when assessing international transactions.
Card UpdateSeptember 1, 2026
Axis Bank revises Magnus card fees and lounge instructions
Magnus changes include a 2% DCC markup, a ₹1,300 late fee above ₹50,000 outstanding, reward exclusions and a requirement to use the credit card instead of Priority Pass at domestic lounges.
Card UpdateAugust 31, 2026
Axis Bank revises MYZONE card terms
MYZONE changes include a higher DCC markup, a ₹1,300 late fee above ₹50,000 outstanding, new reward exclusions, and a ₹25,000 three-month spend condition for the District movie offer from November 1.
RegulationJuly 2026
Credit Card Fraud Protection in India: What to Do After an Unauthorized Transaction
RBI's customer-protection framework makes fast reporting central to limiting liability after unauthorized electronic banking and card transactions.
PaymentsJuly 2026
RuPay Credit Card UPI Charges Above ₹2,000: What to Know in 2026
Understand the ₹2,000 merchant threshold for RuPay credit card UPI payments, who pays MDR, and the restrictions on P2P, P2PM and cash-withdrawal use cases.
Market DataJune 26, 2026
India crosses 120M active credit cards in May 2026
ET, citing RBI data, reported 120M+ active cards, Rs. 2.02 lakh crore in monthly spends, and 6.3% YoY spend growth. The consumer read: adoption is widening, but issuers are managing risk and rewards more tightly.
RegulationMarch 7, 2024
RBI card directions keep tightening consumer safeguards
RBI's amendment to the Credit Card and Debit Card Directions clarified rules around interest on unpaid amounts, late-payment charges, billing cycles, card closure timelines, and cardholder consent.
PaymentsChecked July 20, 2026
RuPay credit cards on UPI continue reshaping acceptance
NPCI says RuPay credit cards can be linked to a UPI ID for merchant QR payments. The feature expands credit-card acceptance, but excludes P2P, P2PM, card-to-card, and merchant cash-withdrawal use cases.