What to Do if You Have Too Many Credit Cards?

That’s a question many of us grapple with. Do we own too many credit cards? Should we cancel some of the cards? If yes, which cards to cancel? What about the discounts or cashbacks you might miss out on? Or should we just keep the cards even if we don’t use them? What are potential… Continue Reading

How Can a No-Cost EMI Become Expensive?

Yes, that’s possible and it is all mathematics. In this post, let’s understand how this can happen. Before we go there, let’s do a quick recap of how No-cost EMIs work. How No-Cost EMIs Work You purchase an item worth Rs X. You opt for the No-cost EMI option (let’s say 6 months) on the… Continue Reading

Co-Branded Credit Cards That Make Little Sense

We hear about co-branded credit cards quite often. The banks have launched credit cards in tie-ups with retailers (Big Bazaar), e-tailers (Amazon and Flipkart) and airlines/cab/travel booking companies (Vistara, Ola, IRCTC). Zomato has a co-branded credit card with RBL bank. And I am sure there are many such co-branded products. The USP is: If you… Continue Reading

Flipkart Axis Bank Credit Card: Our Review

A few weeks back, I had written about Amazon Pay ICICI Bank credit card. Simple and easy benefits. You get 1-5% cashback on each spend and the rewards system is so simple. The cashback/reward for the previous month is credited to your Amazon account on the statement date. What about Flipkart? Does Flipkart offer something… Continue Reading

Amazon Pay ICICI Bank Credit Card: Worth It?

Do you shop on Amazon? If you do, you must have noticed this banner about Amazon Pay ICICI Bank Credit Card that keeps coming up? Or you must have noticed this card always comes in various payment offers on Amazon. Has this ever intrigued you? What is this card about? What are the benefits this… Continue Reading

Uni Pay 1/3 Card: Spend Now and Repay over 3 Months

There is a new credit product in town. UNI Pay 1/3 card allows you to repay the purchase amount in 3 monthly installments at no extra cost. It has been launched in partnership with RBL bank, State Bank of Mauritius and LiquiLoans (P2P-NBFC). For instance, you purchase an item worth Rs 30,000 using this card.… Continue Reading

How to Control Your Expenses?

Do you struggle to control your expenses? Do you feel your long-term goals are getting compromised because of your inability to limit spending? If yes, this is a serious problem. When you spend irresponsibly, you are borrowing from your future. If you spend too much now, you won’t have much to spend in the future.… Continue Reading

What Are the Various Safety Features of Your Credit Card?

All of us are worried about any fraudulent activity on our credit cards. Obviously, nobody wants to pay for what they have not spent. While there is need to exercise caution, there is no need for paranoia about credit card transactions. The credit cards come with various security measures. Additionally, the Reserve Bank of India… Continue Reading