Since 2011, the original Regalia Credit Card has been HDFC’s flagship premium card, typically issued with a generous credit limit of ₹3 lakh and above. As the Regalia name gained popularity, HDFC introduced Regalia First as an entry-level option within the Regalia family to serve applicants who do not qualify for the original Regalia. Regalia … Read more

It has been a very busy year for me, so I haven’t been able to post as frequently as I’d like. I did publish a few useful articles each month, but recent work demands have limited my time for regular blog updates. Abhishek has also been occupied with his career and unable to write much. … Read more

Important Update: Yes Bank is currently unstable as an institution; therefore its credit cards are not recommended for primary or secondary use. Please revise your credit card strategy accordingly. Below are alternative options you may consider from the best credit cards in India for 2020. This is my hands-on review of Yes Bank’s YES First … Read more

HDFC has recently reduced the value and benefits of several of its credit cards, beginning with the MoneyBack card devaluation, followed by changes to the AllMiles product and the launch of the Regalia First variant. These moves appear designed to shift the bank’s card portfolio strategy and improve profitability. The bank is clearly pursuing an … Read more

HSBC India has launched a compelling limited-time signup promotion for the HSBC TravelOne Credit Card. New applicants can now receive an additional cashback of INR 3,999 on top of the card’s existing welcome rewards, making this one of the most attractive offers currently available from the bank. The combined incentives can offset the card’s joining … Read more

HDFC Bank has been testing a range of dining promotions, focusing particularly on its top-tier credit cards. HDFC Infinia already offers 2X rewards for dining every day, while HDFC Diners Club Black now gives 2X rewards on weekends as a new benefit. The promotion described here is a targeted, spend-based offer sent to select Infinia … Read more

I’ve been using my SBI Signature Credit Card for a couple of months. One of its notable benefits is the ability to convert reward points into cashback—an uncommon feature among credit cards. The card effectively offers 1 reward point = Rs. 0.25 when converted to cashback if you meet the spend milestones. I covered the … Read more

Recently, while flying out of Thailand, I decided to try Thai Airways’ business class to experience their royal service at home. I still had some Air India miles to redeem, so I booked a seat on the BKK–SGN sector and enjoyed a short but memorable trip. Below is a concise, polished review of that experience. … Read more

HDFC Freedom Credit Card The HDFC Freedom Credit Card was launched alongside the HDFC Bharat Cashback card. Both products share similar benefits, though there are some differences worth noting. Visually, the Freedom Card’s design appears more cluttered compared with the cleaner look of the Bharat Cashback card. Joining Fee: Rs. 500 (may be waived in … Read more

The Charge Card Before comparing charge cards and credit cards, it helps to understand their origins. The idea began with a simple real-life problem: a diner at a restaurant discovered he had left his wallet at home and could not pay the bill. That situation inspired the charge card—a way for restaurants and other merchants … Read more