Fees, rewards and points, with the math shown. Card figures come from our catalog.
A premium card earns back its fee through rewards, a fee waiver or perks you would pay for anyway. The break-even math, the lounge fine print that changed in 2026, and every premium card in our catalog side by side.
Lifetime free, first year free and fee waived on spend are three different promises. How to tell them apart, the fees a free card still charges, and every no-fee card in our catalog.
What a foreign swipe really costs on an Indian credit card: the forex markup, the 18% GST on it, and the dynamic conversion trap. Every zero and low-markup card in our catalog, side by side.
A card stack routes each kind of spend to the card that pays most for it. Four Indian stacks computed from catalog earn rates, with fees and waivers counted, and the cases where one card is enough.
Paying the Claude API from India: which card keeps forex costs down, what 18% GST on the markup adds, how GST reverse charge works for registered businesses, and the TDS question to settle with your CA.
What the forex markup and the 18% GST on it cost an Indian team paying AI and software tools in dollars, at three monthly spend levels, and how to bring it close to zero.
How the forex markup and the 18% GST on it work on Indian credit cards, what they do to rewards on dollar subscriptions, and the markup on every card in our catalog.
The stated minimum income for every Indian credit card in our catalog, grouped by tier, plus what banks check beyond income: credit score, ITR, banking relationship and recent applications.
How credit card lounge access works in India in 2026: the spend gates most issuers added, lounge networks, guest visits and how to check before you fly. Each card's own lounge terms from our catalog.
Practical credit card moves for Indian cardholders: the right card per category, fee waivers, forex, rent and UPI rules, point expiry and the changes banks announce. No tricks that break the card terms.
Which credit card pays the most on Amazon India: the Amazon Pay ICICI card against SBI SimplyClick, SBI Cashback, HDFC Millennia and Flipkart Axis, with yearly returns computed from our catalog at three spend levels.
The headline reward rate is not what a card pays you. Net annual value counts caps, exclusions, redemption value and the fee. The formula, and a premium card against a cashback card at two spend levels, computed from our catalog.
How to tell whether transferring card points to an airline or hotel beats a statement credit, the value-per-point formula, the risks, and every transfer-partner change we tracked in 2026 for Indian and US cards.
A welcome bonus is year-one money; the fee is every year. How to value Indian and US welcome offers, the year-one and year-two math, the mistakes that forfeit a bonus, and current offers from our catalog.