When people think about credit cards, the first thing that usually comes to mind is spending. But what if you could actually use your credit card to help you save money instead? While credit cards are not savings accounts, they can still play a smart role in your financial plan—if you use them carefully. In this blog, we’ll show you how to create a savings plan using your credit card, in a way that’s simple, safe, and practical.

Suppose Rakesh from Delhi booked a family trip to Manali using his credit card. Everything was ready—flights, hotel bookings, and even the itinerary. But just two days before the trip, his daughter fell sick. He had to cancel the trip, and he was worried about losing all the money he had spent.

Surprisingly, Rakesh got most of his money back. His credit card had travel insurance, and it helped cover the cancellation costs. He didn’t even know this benefit existed!

Credit cards can make life more convenient by offering rewards and helping you improve your credit score. However, if you're not careful, they can also lead to financial problems. Many people make simple mistakes when using their credit cards, which can result in high interest charges, unexpected fees, or even fraud. Here are six common mistakes that people make with credit cards, and tips on how to avoid them.

If you have a credit card but don’t use it for a long time, the bank might treat it as "inactive." Banks want customers to use the credit cards they issue. If the card is not used for several months, they may lower your credit limit or even cancel the card.

Although banks in India usually don’t charge any inactivity fees, they still have the right to close your card if you don’t use it for a long time.

Whether you're a frequent flyer or an occasional traveler, having a credit card that provides airport lounge access can make your journey more comfortable. Here's a complete list of the best cards for domestic and international airport lounge access in 2025, along with their key features and fees.

Payments are changing fast, and one big shift is the introduction of UPI (Unified Payments Interface) on credit cards. UPI, which was first linked to bank accounts and debit cards, can now be used with credit cards. This means you can pay directly from your credit card using your smartphone. This guide will explain how to activate and use UPI on your credit card.

SBI Card has partnered with Tata Digital to launch the Tata Neu SBI Card, a co-branded credit card that offers extra value on every spend. It’s especially rewarding when used across Tata brands like BigBasket, Croma, Westside, Tata CLiQ, and more.

The card comes in two variants — Tata Neu Plus and Tata Neu Infinity — each offering exciting benefits like high NeuCoin rewards, cashback on bill payments, digital payment perks, and even airport lounge access for premium users.

Many people think that credit cards simply stop working once you reach the limit. But in some cases, your credit card may allow something called an overdraft. Sounds confusing? Don’t worry—this guide will explain what an overdraft on a credit card means, how it works, and what you should watch out for. Imagine this—you’re shopping or paying a bill, and your credit card is already maxed out. But somehow, the transaction still goes through. No error, no decline.

Credit card use is growing quickly in India. As per RBI data, people spent ₹1.89 lakh crore using credit cards in December 2024, which is 11.1% more than in December 2023. Even though spending dropped a little in January 2025, it was still 10.6% higher than the same month last year. This growth is happening because getting a credit card has become easier, and more people are spending on shopping, travel, and daily needs. Young people, in particular, are using credit cards more often to earn rewards and manage their spending.

A cash advance lets you withdraw cash using your credit card, just like taking money from an ATM. It can be helpful when you need urgent cash, but it comes with high costs. In India, using a credit card for cash withdrawals includes extra fees and high-interest rates, making it an expensive option. Knowing these charges in advance can help you manage your money better and avoid unnecessary debt.

Contactless credit cards are becoming increasingly popular in India. With advancements in payment technology, many banks now issue contactless cards that allow quick and secure transactions without inserting the card into a machine. But how do these cards work? Are they safe? Which banks offer them? Let’s explore everything you need to know about contactless credit cards in India.

Add-On Credit Cards: Empowering Financial Freedom for Families and Businesses

Credit cards are often seen as a tool for managing finances, earning rewards, and providing financial flexibility. Not everyone can get a credit card by themselves, especially if they don’t have a regular income or a good credit history. This includes students, homemakers, and senior citizens. Fortunately, add-on credit cards provide an ideal solution, allowing family members to enjoy the benefits of a credit card under the primary account holder's card.

How Union Budget 2025’s Income Tax Slabs Will Affect Your Credit Card Strategy

The Union Budget 2025 has introduced new changes to the income tax slabs, giving taxpayers a chance to boost their savings and manage their finances more efficiently. These changes will likely lead to an increase in disposable income, which opens up fresh opportunities to rethink your credit card strategy. With more money at hand, you can focus on smarter spending, maximizing rewards, reducing debt, and making more financially savvy decisions.

IDFC FIRST Bank and RuPay have teamed up to launch a new credit card that makes spending and digital payments easier. It’s called the FIRST EA₹N RuPay Credit Card This card works with UPI (Unified Payments Interface) and gives you rewards for spending. You also need to open a fixed deposit (FD) to get the card, which helps you get credit easily and manage your money better.

In this post, we’ll explain the key features, benefits, and why this card makes digital payments more useful and rewarding for everyone.