Discover expert credit card tips, strategies, and guides to maximize your benefits and avoid common mistakes. From choosing your first credit card to managing expenses, rewards, and EMI options, our practical advice helps beginners and experienced users make informed decisions. Stay updated with credit card hacks, smart spending techniques, and tips to improve your credit score in India. Explore actionable guides to get the most out of your credit cards while staying financially savvy.
I was recently talking with my friends about which credit card they use. Surprisingly, some of them replied that they don’t use one at all. When I asked why—since people can actually earn real cashback and save money through credit cards—their answers felt genuine. One friend admitted he tends to overspend whenever he has a…
Excited to get a new credit card? But do you know you can actually lose money if you directly choose any cashback card? Yes, that’s right—credit cards don’t provide discounts across all purchase categories. Some cards may offer it, but the cashback will usually be very limited. That’s why using a credit card aligned with…
In this post, we will cover student-friendly credit cards that students, freelancers, and job seekers can apply for as their first credit card. We will focus on standard cards that also help in building credit history. This list is a narrowed-down version of my previous post, Best Credit Cards for Beginners, where I discussed FD-backed…
In this article, we will explore the pros and cons of using No-Cost EMI, which many people opt for during sales seasons on e-commerce websites like Amazon or Flipkart. We’ll look at a real-life example of a purchase I made using No-Cost EMI with an HDFC Bank credit card. We will also discuss when it…
Getting your first credit card is exciting — and a little overwhelming. I still remember that feeling of suddenly having “extra money” in my hands, and how easy it was to start thinking about buying things I didn’t really need. If you’ve just got yours, take a moment to feel proud. It also means you’ve…
Hey there! Welcome to my first blog post. Here, I’ll share the financial challenges I’ve faced in my life and how I effectively approached solutions—so you don’t have to waste time figuring things out the way I did. The first thing to know when applying for a credit card is a term called CIBIL Score…