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A credit-report dispute should ordinarily be resolved within 30 days.

Credit card closed but CIBIL shows it as active? Here’s how to correct your credit report

Closed your credit card but CIBIL still shows it as active? Know who is responsible, how it can affect your…

October 8, 2026 15:59 IST

UPI MDR charges: Why merchants may still prefer UPI over debit and credit cards

UPI MDR vs debit, credit cards: How much merchants pay on Rs 5,000 to Rs 50,000

UPI MDR of 0.4% on eligible transactions above Rs 2,000 will add a cost for merchants. But how does it…

October 6, 2026 18:47 IST

Winning a young customer is only the first step. Keeping them engaged is harder.

Banking on the ‘cool’ customer

Half of the new credit card holders in India in 2026 were Gen Z, signaling banks’ race to engage these…

September 30, 2026 19:12 IST

Point-of-sale spending growth for the company actually improved to 22% in August, up from 16% in July.

August credit card spending growth slows to 5.5%; SBI Cards falls sharply

India’s credit card spending growth slowed to 5.5% year-on-year in August 2026, with SBI Cards experiencing a sharper decline in…

September 25, 2026 15:56 IST

Revolving credit-card debt can be particularly expensive when the outstanding balance is not paid in full, as finance charges can be significantly higher than the rates typically offered on personal loans or other forms of borrowing.

Your credit card bill is Rs 1 lakh. The bank says ‘convert to EMI’ — should you?

A credit-card EMI can make a Rs 1 lakh bill more manageable, but the monthly instalment is only part of…

September 24, 2026 19:38 IST

UPI payment system and its MDR are significantly lower than those of other payment methods, including credit cards, debit cards, wallets, etc.

UPI vs debit vs credit cards: Will UPI payments with MDR charges still be the cheapest?

For consumers, the fundamental position does not change: UPI continues to remain free. The new MDR is a merchant-side cost…

September 23, 2026 23:07 IST

A zero-cost or no-cost EMI allows credit card users to split a purchase into easy monthly installments without paying effective interest.

Zero-cost EMI on credit cards: Is it actually cheaper than paying upfront?

A smaller monthly payment does not necessarily mean a cheaper purchase. Here’s how to calculate the true cost of a…

September 16, 2026 12:55 IST

Maximise Festive Savings: How to Choose the Best Cashback Credit Card for Your Spending

Grab the credit cards that have the best offers this festive season

Get the ones that offer higher value-back in your key spending categories

September 11, 2026 19:34 IST

RBI's rules distinguish liability based on whether the unauthorised transaction involves the bank, a third-party breach, or the customer.

Credit card stolen and used? RBI rules explain who will bear the loss

Credit card stolen? Reporting the fraud quickly can limit your liability. Here’s how RBI rules determine who pays for unauthorised…

September 11, 2026 19:26 IST

Credit card surcharge: Can shops legally charge you 2% extra? Know the rules

Credit card payments come with a surcharge? Here’s what RBI rules say about merchant charges and customer rights.

September 10, 2026 18:18 IST

Using a very high share of your limit can affect your score even if you pay the bill on time.

Does using 90% of your credit card limit hurt your credit score?

Using a large portion of your credit limit can hurt your credit profile. Know how credit utilisation is calculated and…

September 7, 2026 13:42 IST

When you make a payment towards your credit card outstanding, the payment will be adjusted across different components of your outstanding balance in a defined order.

Debit card, credit card, cash and IMPS charges revised: What Axis, Kotak and IndusInd customers need to know?

Axis Bank, Kotak Mahindra Bank and IndusInd Bank have revised debit, credit card and banking charges from August 2026. Check…

August 21, 2026 13:21 IST

RBI’s April 2027 ECL Guidelines: Why Indian Banks Are Overhauling Data and Tech Architectures

ECL rollout pushes banks to overhaul data architecture

Ahead of the Reserve Bank of India’s April 2027 Expected Credit Loss (ECL) rollout, Indian banks are upgrading core banking…

August 17, 2026 00:43 IST

HSBC Rollout Zero Forex Markup on Credit Cards for 1 Month: Here’s How to Maximise Overseas Spend

For frequent travellers, markups on forex can add a tidy sum to bills

Go for zero markup cards and make payments in local currency always

August 14, 2026 21:16 IST

Consumers should use their credit card reward points instead of cash when points offer a higher conversion value than direct cash payments.

When should you use credit card reward points instead of paying cash?

Choosing a card that matches your spending habits and redeeming points strategically can help maximise long-term value.

August 6, 2026 14:49 IST

Can closing old bank accounts and unused credit cards lower your CIBIL score?

Can closing old bank accounts or unused credit cards hurt your CIBIL score? Experts explain the impact on credit history,…

August 3, 2026 16:35 IST

Staying updated on these developments can help you remain compliant and make better financial decisions.

5 key financial rule changes in July that could impact your money

From the ITR filing deadline to Aadhaar, passport fees and credit card rules, here’s a look at five key financial…

July 30, 2026 15:58 IST

Banks typically convert a credit card into a lifetime-free one as part of a customer retention strategy rather than a goodwill gesture.

How do banks decide whether to convert your credit card into a lifetime-free card?

A lifetime-free (LTF) credit card is best suited for first-time cardholders, occasional users and those looking to build a credit…

July 27, 2026 18:28 IST

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