Blogs

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.

As digital payments become more popular, credit card fraud is also on the rise. Fraudsters steal card details through various methods, such as phishing scams, data breaches, and skimming devices, allowing them to make unauthorized purchases or withdraw money. This can lead to financial losses, stress, and time-consuming disputes for victims. Understanding how fraud occurs, recognizing suspicious activities, and taking preventive measures like securing card information, enabling transaction alerts, and using strong passwords can help reduce the risk.

Freelancing is growing in India, especially among young professionals. Many Gen Z individuals now rely on freelance work as their main income source.

From delivery partners on Swiggy and Zomato to writers, designers, and software developers, gig workers function like independent businesses. If you earn well from freelancing, you may be able to claim tax deductions on business expenses. Keeping track of these expenses is important, and using a business credit card can make it easier.

As digital payments become more common, financial tools are constantly evolving. One major innovation is virtual credit cards, which offer a secure and convenient way to make online payments. These cards exist only in digital form and are changing how people and businesses handle transactions. This blog explores how virtual credit cards work, their benefits, and their impact on digital payments.

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.

Understanding How Fuel Surcharge Waivers Work on Credit Cards

In today’s world, every penny counts, especially when you're constantly on the go. Fuel is one of those necessary expenses that always seems to eat away at your budget. Fortunately, some credit cards offer fuel surcharge waivers, which can be a game-changer for frequent travelers or anyone looking to save money at the pump. But how do these fuel surcharge waivers work, and are they really worth considering? Let’s take a closer look.

In the world of personal finance, one of the most important things you need to know is your credit score. Whether you’re applying for a credit card, mortgage, or personal loan, your credit score can make a huge difference in whether you're approved and what terms you get. A higher score typically means better interest rates and more favorable loan conditions. If you’re looking to boost your credit score to qualify for better personal loan rates, this blog will cover the basics of credit scores and strategies you can use to improve yours.

In the past, credit cards were seen as a luxury, available only to a select few due to strict eligibility criteria. However, the situation has changed drastically. Today, getting your first credit card is easier than ever and can provide you with financial flexibility. If you are planning to apply for your first credit card, this guide will provide all the details you need to know.

RuPay Credit Card: A Convenient Payment Option with Great Benefits

Imagine a payment option that combines fast payments using UPI with the flexibility of a credit card. That's exactly what RuPay Credit Cards offer. Whether you’re shopping in-store or paying at a local café with a QR code, RuPay Credit Cards let you make quick payments while deferring your expenses to the end of your billing cycle.

Managing regular expenses like insurance premiums is an essential part of financial planning. While paying these premiums is often seen as a liability, using the right credit card can turn this recurring expense into an opportunity to earn rewards, cashback, and other benefits. However, many credit cards do not offer incentives for insurance payments. That’s why it's important to know which cards stand out for this purpose.

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. However, not everyone qualifies for a standalone credit card, particularly those without a stable income or a strong 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.

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.

Guide to Managing Credit Card Debt: EMIs, Alternatives, and Key Insights

Managing credit card debt can be overwhelming, especially when you’re facing a large outstanding balance. While credit cards offer convenience, the high interest rates and minimum payments can quickly turn debt into a financial burden. Fortunately, there are ways to manage and reduce this debt.

IDFC FIRST Bank Unveils UPI-Enabled FIRST EA₹N RuPay Credit Card

IDFC FIRST Bank, in partnership with RuPay, has launched a new product designed to make using credit cards and digital payments easier. The FIRST EA₹N RuPay Credit Card is a special type of credit card that works with UPI (Unified Payments Interface), offering both rewards and a fixed deposit (FD) as collateral. This card helps users access credit, earn cashback on UPI transactions, and better manage their finances.

The Importance of Timely Credit Card Payments: Key Benefits for Better Financial Health

Managing credit card payments is a critical part of maintaining strong financial health. Many people use credit cards for convenience, rewards, and flexibility, but it's essential to pay your dues on time to reap the full benefits. Paying your credit card bills on time not only helps you avoid penalties, but it also contributes to better financial stability and opens doors to future opportunities.

Travel is one of life’s greatest pleasures, but it can come with a hefty price tag. This is where travel credit cards come in handy, offering a variety of rewards, benefits, and perks that can make your travel experiences more enjoyable and affordable. Whether you’re earning air miles, getting exclusive airport lounge access, or enjoying travel insurance, the right travel credit card can make all the difference.

As the world becomes more digital and cashless, credit card loyalty programs are going through a significant transformation. With over 70% of consumers choosing digital payment methods, it’s clear that the future of spending is shifting away from physical cash. This change is also affecting how we engage with credit cards and their reward systems. Traditional loyalty programs that once focused on points, cashback, or miles are now adapting to keep up with changing technology, consumer behavior, and societal values.

The Indian credit card industry has witnessed rapid evolution over the past decade. With an increase in digital adoption, a growing middle class, and a rise in consumer awareness about financial products, the credit card market is on the verge of significant transformation. As we step into 2025, there are several emerging trends that are shaping the future of credit cards in India. From technological advancements to evolving customer preferences, here's a detailed look at what’s new and what we can expect from the credit card industry in the near future.

Travel credit cards are one of the most valuable tools for frequent travelers. These specialized credit cards provide not only rewards for travel-related expenses but also offer several perks that can make your journeys more comfortable and affordable. Whether you're traveling for business or leisure, understanding how to maximize the benefits of a travel credit card is essential. In this blog, we’ll break down seven key things to remember when using a travel credit card, from essential features to best practices and potential pitfalls.