Credit cards
Which cards are genuinely free, which rewards survive contact with the fine print, and how to get approved for a first card.
- Lifetime free credit cards: how to tell a genuinely free card from a conditional one Lifetime free means no joining fee and no annual fee, ever — not 'free for a year' or 'free if you spend enough'. How to check the MITC, and when a fee card wins.
- How to get your first credit card in India What issuers actually check, which documents you need, and why a no-history applicant gets rejected — plus the three routes to a first card that work.
- Credit card charges explained: what each line on your statement actually costs The interest-free period is conditional, the minimum due is a trap and cash withdrawal has no grace period. How each credit card charge works, with the arithmetic.
- Best fuel credit cards in India — and when a plain cashback card beats one The 1% fuel surcharge comes from the pump, not your bank. What a waiver is really worth, and why a flat-cashback card beats a fuel card for most drivers.
- Credit card against an FD: how a secured card actually works A secured credit card is issued against a fixed deposit you pledge. How the limit, the interest, the bureau reporting and the exit actually work.
- The best credit card in India is the one that matches how you already spend There is no single best credit card in India. Here is how to match a card to your actual spending, and how to check an offer properly before you apply.
- Student credit cards in India: what you can actually get without an income A student with no income cannot get a normal unsecured credit card in India. The three routes that work: an add-on card, an FD-backed card, or a loan-linked card.