credit card interest rate

Minimum due payment Vs balance transfer on credit cards: Which is a better option?

Initially, everything seems fine — no late fees, just some interest. But after a few months, when your income doesn’t…

November 7, 2025 18:11 IST

The credit card lie: How credit became a status symbol and debt went invisible. (Image Source: Gemini)

That metal card isn’t success, it’s bait: The truth about credit card status

Credit can buy you things, but it cannot buy you balance. Status built on debt is not status at all.…

October 26, 2025 05:30 IST

Why India's wealthiest are trading Platinum Cards for the UPI QR Code. (Image Source: gemini)

From platinum cards to QR codes: Why India’s wealthy are choosing UPI

UPI was built for chai bills. Till a ₹2 lakh jewellery bill was paid by QR scan, not a platinum…

Updated: October 4, 2025 16:54 IST

The reward trap: How credit cards make you pay for your own perks

Annual fees, forex markups, and late charges quietly wipe out whatever you think you gained.

Updated: September 10, 2025 16:05 IST

credit cards, credit card payments, RBI, banking, banks, Credit card interest rates

Confessions of a former credit card user: The truth about your ‘upgraded’ limit

Owning a house or a car should not mean giving up your future. If an EMI leaves no space for…

August 27, 2025 05:05 IST

‘I paid my bills on time and never paid interest. Here’s why I quit credit cards anyway.’

Without credit cards, I was no longer thinking about hitting milestones, collecting points, or chasing free gifts. The constant mental…

Updated: July 17, 2025 19:15 IST

India sees sharp rise in credit card NPAs, defaults soar to Rs 6,742 crore

RBI data reveals that credit card NPAs have seen more than 500% rise from Rs 1,108 crore as of December…

April 7, 2025 11:16 IST

ICICI credit card rules revised! Check new finance charges, late fees and more

ICICI Bank has updated its credit card policies, including changes in finance charges, late payment fees, reward points on utility…

November 21, 2024 13:39 IST

Best credit cards in India: Top picks with premium features and affordable fees

Top 10 credit cards in India for August 2024: Best features, fees and benefits

These days credit cardholders get some exceptional benefits, ranging from cashback on everyday purchases to exclusive travel perks and lounge…

August 22, 2024 15:19 IST

When is the right time to increase your credit card limit?

Increasing your credit card limit is a big step that should be approached with care and consideration. Let’s discuss about…

April 9, 2024 11:15 IST

credit cards, RBI, RBI directive, credit card network, credit card issuers, financial system, inclusivity, transparency, flexibility, customer friendly, Visa, Mastercard, RuPay, UPI transactions

Credit Card Balance Transfer: Check the pros and cons before transferring the balance from one card to another

Balance transfers on credit cards in India can be advantageous, but they also come with some drawbacks.

December 8, 2023 08:52 IST

What happens when you stop using your credit cards?

Keeping your credit cards inactive or not using them can have various consequences and effects on your financial profile.

October 31, 2023 11:52 IST

Top 10 credit score misconceptions & myths debunked

By dispelling credit score myths, individuals can make informed financial decisions and take steps to improve their creditworthiness.

June 14, 2023 09:30 IST

Credit Card Balance Transfer: How does it work & should you go for it?

Several major banks and financial institutions offer balance transfer facilities to their credit card customers.

June 6, 2023 13:18 IST

How to get a credit card with a higher credit limit and attractive reward programs

Before applying for any credit product, remember to check your eligibility and keep the required documents ready.

April 9, 2023 10:22 IST

10 reasons why you must not delay payment of your credit card

Delaying the payment of your credit card can cost you dearly. Here’s how.

March 27, 2023 13:40 IST

Quick Tips: Does overspending with Credit Card during travel affect your credit score?

Overspending can be a major setback irrespective of credit and debit, and high utilisation of the credit limit can also…

Updated: November 23, 2022 09:09 IST

Should you withdraw cash using your credit card?

When you withdraw money using your credit card, it is known as a cash advance. This facility can come in…

October 3, 2022 09:00 IST

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