Guides
Plain explanations of how Indian card rewards, fees and lounge access work.
- Cashback credit cards: how the percentages and caps really workA 5% cashback card can pay much less than 5% once monthly caps and excluded spends are counted. How to read the caps on popular Indian cashback cards.Published 17 Sep 2026 · 2 min read
- Credit card annual fees and waivers, card by cardAnnual fees on HDFC, SBI Card, ICICI, Axis and Kotak credit cards, the spend that waives them, and the foreign currency markup, from each bank's terms.Published 29 Oct 2026 · 19 min read
- Credit card fees on rent, wallet, utility and education paymentsPaying rent, school fees or loading a wallet with a credit card often costs a fee and earns nothing. Here is how the charges work, using HDFC Bank's published rules.Published 17 Sep 2026 · 3 min read
- Debit card airport lounge access: every card side by sideWhich Indian debit cards include airport lounge visits, how many, and the spend needed first. HDFC, ICICI, Axis, Kotak and SBI in one table.Published 29 Oct 2026 · 8 min read
- Debit card annual fees and charges, card by cardYearly fee, issuance fee and foreign currency markup on HDFC, ICICI, Axis, Kotak and SBI debit cards, each linked to the bank's schedule of charges.Published 29 Oct 2026 · 11 min read
- Debit card daily limits: ATM cash and shopping, card by cardDaily ATM cash and shopping limits on HDFC, ICICI, Axis, Kotak and SBI debit cards, side by side, each taken from the bank's own documents.Published 29 Oct 2026 · 8 min read
- How airport lounge access works on Indian cardsFree lounge visits on Indian credit and debit cards now usually depend on how much you spent earlier. Here is how the rules work and what to check before you fly.Published 17 Sep 2026 · 3 min read
- RuPay credit cards on UPI: what you can and can’t doHow linking a RuPay credit card to a UPI app works in India, what payments are allowed, and how rewards on UPI differ from normal card spends.Published 17 Sep 2026 · 2 min read
- When airline miles and hotel points expireExpiry rules for Air India Maharaja Club, IndiGo BluChip, Marriott Bonvoy, IHG One Rewards and Accor, taken from each programme's own terms.Published 17 Sep 2026 · 3 min read
- Your rights as a credit card holder in IndiaThe RBI's card rules protect you on closing a card, unsolicited cards, interest on charges and your billing date. What they say, in plain words.Published 17 Sep 2026 · 1 min read