All guides

How the statement date, due date and interest-free period work on Indian credit cards, your RBI right to change the billing cycle at least once, and worked examples matching it to salary day.

How the RBI's March 2024 card network rule lets you pick the network on a new or renewed credit card, which issuers it covers, and how the network affects UPI, rewards and acceptance.

How cashback and reward point credit cards work in India in 2026, how to turn points into a rupee rate, and the caps, fees, GST and interest that cut real value.

How Indian credit card interest works in 2026 — monthly rate vs annual rate, loss of the interest-free period, daily calculation from transaction dates, GST and worked rupee examples.

How joining and annual fees on Indian credit cards work in 2026, with 18% GST, spend-based waiver rules, renewal timing, welcome benefits and break-even examples.

Which credit card charges attract 18% GST in India, why card interest is taxed while loan interest is exempt, how GST shows on your statement and how to calculate it.

What the RBI's Credit Cards and Debit Cards Issuance and Conduct Directions, 2025 require of card issuers in India in 2026, in plain language with what to do if a rule is broken.

How Indian card issuers cap or exclude rewards on rent, utility bills, wallet loads, fuel, insurance and education, the fees some added in 2024–25, and how to recalculate your real reward rate.

The break-even formula for Indian credit card annual fees with 18% GST, comparing paid and lifetime-free cards, waiver thresholds and milestone benefits, with rupee examples.

How converting a credit card purchase or balance into EMIs works in India, what 'no-cost EMI' really means, GST on EMI interest, processing and foreclosure fees, and rupee examples.

How foreign currency markup with 18% GST and dynamic currency conversion work on Indian credit cards, rupee payments to foreign merchants, LRS and TCS points, and worked rupee examples.

A practical method for choosing a cashback or reward credit card in India in 2026 — map your spending, value rewards, test fees and waivers, check rules and avoid traps. No rankings.

What the minimum amount due on an Indian credit card includes, the RBI rule against negative amortisation, and worked examples of how long paying only the minimum takes.

Calculate the rupee value of Indian credit card reward points for statement credit, vouchers, catalogue, flights and air miles, with redemption fees, expiry and worked examples.

How to link a RuPay credit card to a UPI app in India, merchant-only payments, no P2P or cash, rewards and charges on UPI spends, safety settings and worked examples.

Closing a credit card in India in 2026 — RBI rule to close within seven working days or pay ₹500 a day, reward points, credit balance refund, auto-debits, inactive cards and CIBIL reporting.

What withdrawing cash on an Indian credit card costs — cash advance fee, interest from the withdrawal date, 18% GST, cash limit, rewards and credit score effects — with a rupee example.

How Indian credit cards affect CIBIL and other credit scores in 2026 — payment history, utilisation, hard enquiries, closing old cards, reporting dates, the free annual report and disputes.

How to complain about a credit card in India in 2026 — issuer grievance route, billing disputes in 30 days, chargebacks, and the Reserve Bank – Integrated Ombudsman Scheme, 2026 on cms.rbi.org.in.

What to do after an unauthorised credit card transaction in India, the RBI customer liability rules (zero, limited and policy-based), the 10-day shadow credit, disputes and helpline 1930.

The most expensive credit card mistakes in India — revolving for rewards, minimum-due payments, cash advances, DCC, missed waivers, fraud delays — with rupee examples and official sources.