The Credit Cards category explains how credit cards work in India, including benefits, risks, charges, billing cycles, reward systems, and repayment mistakes. This section covers first credit card selection, billing cycle and due date, grace period, credit utilisation ratio, reward points vs cashback, lifetime free cards, statement reading, annual fee waiver, add-on cards, cash advance charges, EMI on credit card, credit card fraud reporting, BNPL vs credit card, and foreign transaction fees.
Credit cards can be useful for convenience, rewards, cash flow management, and building a credit history, but they can also become expensive if the user misunderstands interest, minimum amount due, late fees, cash withdrawals, or revolving balances. Ridhi’s credit card guides are written for Indian beginners who want clear explanations before choosing or using a card. The focus is on responsible usage, total cost, hidden charges, credit score impact, and practical decision-making. Since card fees, reward rules, annual fee waiver conditions, interest rates, and bank offers change frequently, readers should always check the latest Most Important Terms and Conditions from the card issuer before applying or spending.
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 […]
Secured Credit Cards for Low CIBIL Score: How They Work Read More »
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
Reward Points vs Cashback Credit Cards: Which Is Better? Read More »
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
Lifetime Free Credit Cards India: Best Options and Hidden Costs Read More »
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
Credit Card Cash Advance: Charges, Interest and Why to Avoid It Read More »
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.
Credit Card Fraud: How to Report and Get Refund in India Read More »