Shopping on Paytm this festive season or planning to make bill payments? Citibank has launched a limited-time 5X rewards offer on Paytm wallet top-ups that can translate into meaningful savings for cardholders. Below is a clear summary of the promotion and what it means for different Citi cards. Citi 5X Reward Points on Paytm wallet … Read more

**** Consultations are currently unavailable **** With almost 1,000 well-researched articles and over 50,000 comments, CardExpert is a comprehensive resource on credit cards that can save you hours of searching. The consultation service fast-tracks access to tailored advice from India’s first and most trusted blog dedicated to credit cards. If you prefer personalised guidance, you … Read more

New Delhi’s Indira Gandhi International Airport once had arrivals lounges that offered little more than a few biscuits and hot drinks. When I visited about five years ago they felt compact and largely unused. The new Encalm arrivals lounge at Terminal 3, however, is a significant upgrade. It delivers a proper lounge atmosphere, full a-la-carte … Read more

Vistara’s recent partnership with ITC brings two clear advantages: the potential to transfer points and a temporary tier match opportunity between Club Vistara and Club ITC. Points transfer is an option worth exploring, though it doesn’t look especially attractive right now — I may be wrong, and it deserves a deeper look in the future. … Read more

It had been some time since I held the SBI SimplyClick credit card, so I decided to upgrade to the SBI PRIME card. After several months of follow-up, the upgrade finally went through. During the process I learned a few useful things about SBI’s upgrade and credit limit enhancement procedures, and this article summarizes those … Read more

American Express India has been pushing strong shopping and travel promotions since early 2019, and many of those offers remain attractive through the remainder of the year. Below are some of the best Amex offers for May 2019 and beyond that are worth checking out. Table of Contents 1. Supplementary Card Offer 2. Amex Hilton … Read more

Cathay Pacific’s Asia Miles program is running a limited-time bonus miles promotion for transfers from Indian credit card partners. The current offer provides an attractive bonus for members who transfer points during the promotion window. Below are the key details and guidance to help you decide whether to participate. Offer Details (Dec 2025) Offer 25% … Read more

This is my first spend-based offer since I activated an HDFC Bank credit card back in October 2017. The promotion appears to be highly personalised: some cardholders are given a choice of gift vouchers, while others receive BookMyShow vouchers automatically after hitting the specified spending target. Below is a summary of the offers that arrived … Read more

When I used to plan international travel, I often picked itineraries with longer layovers. The reason was simple: more layovers meant more opportunities to visit airport lounges—an advantage I enjoyed through the complimentary Priority Pass benefit included with several premium credit cards in India. If you hold a premium credit card and travel internationally with … Read more

A few years ago I purchased health insurance from American Express underwritten by ICICI Lombard. My policy included an OPD benefit of Rs.10,000 on a 10 lakh cover. Recently I decided to use that benefit. I finally got new spectacles from Titan Eye Plus and claimed the OPD benefit—the invoice was issued in the last … Read more