Many of my friends and relatives hold an SBI credit card, most commonly the SBI IRCTC Platinum Credit Card. For people who travel by train at least once a month between home and work, this card can be useful because it offers savings of up to 10% on IRCTC spends. Below is a clear breakdown … Read more

Club Vistara, the loyalty programme of Vistara Airlines, has introduced an option for members to buy CV Points and use them for flight redemptions. Below is a clear guide to how the feature works, limits and practical advice on when buying points can be useful. Table of Contents How to Buy The Limits When to … Read more

As many card issuers have been reducing benefits recently, SBI has also altered the terms for one of its major credit cards — the SBI Signature. I had used this card for some time and was able to make the most of it, including earning Rs. 18,000 cashback by reaching the milestone rewards. Earlier this … Read more

Axis Bank’s Atlas Credit Card sits among the bank’s premium travel-focused offerings. It is positioned as an entry point for cardholders who want to start collecting airmiles while enjoying tiered travel benefits. The structure looks complex at first glance, but this guide breaks down the key features, fees, rewards and redemption options so you can … Read more

Updated on: 2nd Jan 2018 India hosts the fourth-largest population of millionaires in the Asia-Pacific region, with more than 200,000 High Net Worth Individuals (HNIs). The exact definition of an HNI varies by region, but these individuals typically have substantial disposable assets and spending power that make them attractive customers for premium financial products. Who … Read more

IDFC First Bank introduced the First Wealth debit card on the Visa Infinite platform about a year ago. This lifetime-free debit card is aimed specifically at customers enrolled in the bank’s First Wealth Program. Below is a concise, user-focused account of my experience with IDFC First Wealth banking and the Wealth debit card. Table of … Read more

Fuel is a regular household expense, and using a credit card that rewards fuel purchases can deliver noticeable savings. For people who spend a lot on petrol or diesel, the right card can reduce monthly costs through cashback, points, or surcharge waivers. Below is a concise guide to some of the best options and strategies … Read more

Personal loans are often the most expensive form of borrowing, with interest rates that can reach 17% in some cases. If you hold a credit card, it often makes more sense to use card-based loan options or EMI plans instead of a conventional personal loan, since the effective interest rates on those alternatives are usually … Read more

HDFC Bank has introduced new retention requirements for existing Infinia credit cardholders. The Infinia remains the bank’s flagship super‑premium card, long regarded as a benchmark in the market. These new conditions mean cardholders must actively demonstrate meaningful usage or maintain a substantial relationship with the bank to keep the card. If you hold the HDFC … Read more

In the digital era, owning a credit card makes sense for frequent shoppers. I recently spoke with a friend who decided not to apply for one because several acquaintances were paying high interest on their credit card balances. That concern is understandable: carrying a credit card balance can be costly, with interest rates often much … Read more