Author name: Nikhil Bansal

Getting rejected for a credit card because of a low CIBIL score or no credit history is more common than most people realise. If you are a salaried employee who has never taken a loan or used a credit card before, your CIBIL profile may be too thin for banks to approve a regular card […]

Most salaried employees in India pick a credit card based on the headline number — “5X reward points” or “5% cashback” — and assume the bigger figure automatically wins. The real picture is messier. The reward points vs cashback credit cards decision is a question about net annual value: what actually lands in your pocket

Credit Cards You want a credit card that never charges an annual fee. That is a reasonable place to start — but lifetime free credit cards India is a phrase that carries a very specific meaning in banking, and it is narrower than most first-time applicants expect. Zero joining fee and zero annual fee sound

Your salary is three days late. Rent is due tonight. Your debit card balance will not cover it — but your credit card has a decent unused limit sitting right there. You head to the ATM, insert your credit card, and withdraw ₹10,000. What you may not realise until your next statement arrives: a credit

You check your phone at 2 a.m. and see an SMS: ₹38,500 debited from your credit card at GLOBALSTORE-NYC. You were asleep. You never made this transaction. Credit card fraud in India is more common than most people expect — and the first few minutes after you spot it matter more than anything that follows.