Credit Cards

Credit card limit increase benefits include a lower credit utilisation ratio, an improved credit score, and greater financial flexibility, but key factors such as income, spending habits, interest rates and overspending or debt-trap risks should be considered before accepting.

Credit cards now offer valuable perks like complimentary airport lounge access, which is becoming harder to obtain for free due to banks tightening policies. However, some cards still provide unlimited access without spending thresholds. Check details

A 46-paise shortfall on a credit-card bill has raised questions over how banks calculate interest and late-payment charges. Here’s what RBI rules say about unpaid balances, interest-free periods and late fees.

HSBC India is offering customers zero forex markup on all of its credit cards. We take a look at what this charge is, how it is calculated and explain what this could mean for the cost of your travels abroad.

A healthy credit mix can improve your credit profile by showing responsible borrowing behaviour. Here's how secured and unsecured loans, timely repayments and low credit utilization influence credit scores constructively and help borrowers access better financial opportunities.

Credit cards offer convenience, rewards and credit-building opportunities, but only when used responsibly. Experts explain how timely repayments and disciplined spending can help individuals avoid debt, improve credit scores and maximise financial benefits while reducing borrowing risks.

UPI and credit cards each offer unique advantages for everyday payments. Here are the key differences, benefits, rewards, credit score impact, and practical tips for choosing the right payment method for daily spending, budgeting and long-term financial planning in India.

Credit card penetration in India remains low, with only 5.2 crore holders, representing 25% of the credit-active population. While usage is rising, first-time borrowers account for just 8% of new credit card issuances