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He said that any interest rate caps will exclude high-risk consumers from formal credit, though fintech innovations could soften the blow
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Banks are now letting borrowers pay through UPI using pre-approved credit, offering a simpler alternative to cards for everyday spending.
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India's credit crisis deepens as 85 percent of borrowers struggle with unsustainable EMIs, fueled by predatory lending and aggressive recovery tactics, prompting calls for urgent reforms.
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Union Bank of India and Air India partnership lets UBI credit cardholders convert reward points to Maharaja Points for flights, upgrades, and travel perks.
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IDFC First Bank has made significant changes to its credit cards, including Mayura and Ashva, reducing reward rates on international spends and introducing fees on FASTag recharges and railway spends
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Google Pay's Flex Axis Bank Credit Card is a basic, UPI-linked credit card with instant cashback rewards. No physical card needed, lifetime free but has a tiered reward structure and a low base rate
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Credit cards can work like free short-term loans or turn into long-term debt, depending on how you use them.
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A 45-day interest-free window sounds like free credit, but the benefit depends entirely on how your billing cycle works and how promptly you clear your dues every month.
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Why the growing habit of routing EMIs and even investments through credit cards can quietly create more risk than reward for the average household.
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Unlock savings on international travel with top credit cards offering zero or low forex markup, rewards, and travel perks
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Axis Bank offers free EazyDiner Prime membership to Credit and Debit Cardholders, providing discounts, deals, and priority reservations at restaurants. Eligible cardholders can get 3-months to 1-year membership.
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MagniFi Fi-Federal Credit Card offers 5% cashback on weekend spends, 0.5% on weekdays, and discounts on Amazon, Zomato, Zepto, and BookMyShow, with no joining or annual fees.
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Having more than one credit card isn’t necessarily bad—it can actually help your credit score if managed wisely. But if misused, it can just as easily drag it down.
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Freebies, it turns out, were never really free
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A credit card can be a powerful ally in your financial journey if used mindfully. Understand how to leverage its benefits while avoiding the pitfalls of debt and credit-score damage.
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The credit rating agency attributed the rise in credit card spend to bank-led festive offers; however, pinned the decline in the slowdown of new additional cards due to focus on higher-quality customers.
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Understand how card interest is calculated and simple ways to reduce what you pay
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Each of these borrowing tools has its place-and its traps. Here's what really works in your favour and what doesn't.
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The 3-in-1 super account combines savings, fixed deposit, and secured credit card, offering rewards, cashback, and seamless transactions with RuPay on UPI, with no annual fee
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Maximise credit card rewards by assessing spending habits, selecting the right cards, tracking key metrics and avoiding pitfalls like debt and impulsive purchases to earn valuable rewards without overspending
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Annual fees, cashback, points, and perks — here’s how to check if your cards are actually making you money or quietly costing you.
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Airline co-branded cards are courting Indian travellers with faster miles, status shortcuts and lounge access
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Top banks offer travel credit cards that provide rewards like air miles, points, and coupons, helping frequent travelers cut costs and enjoy benefits like lounge access and flight discounts.
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BOBCARD offers discounts on flights through various platforms like MakeMyTrip, Goibibo, and Yatra, with instant discounts up to 12 percent on domestic and 10 percent on international flights.
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Many travellers are finding their cards no longer give lounge access—here’s why it happens and how to deal with it.
