Independent analysis of the cards Indians actually carry. Devaluation alerts the day the schedule of charges moves. Side-by-side comparisons where the math decides the winner. Long-form explainers that hold up six months later.
Scapia's October 2026 Refer and Earn campaign is live from 1 October: Amazon vouchers of ₹1,500 and ₹25,000 at 3 and 6 referrals, then ₹60,000 and ₹1,00,000 in Scapia Coins at 15 and 30.
Read the analysis →When banks change card benefits, we cover what changed, who is affected, and whether the card is still worth holding.
Amex India ends Reward Multiplier on 30 September 2026, cutting Platinum Charge partner-brand earn from 12.5 to 2.5 points per ₹100 while ShopWise stays.
From 11 October 2026 Amex India stops pooling Membership Rewards points across cards and removes the 50% fee waiver on the Membership Rewards Credit Card.
Flying Blue splits award tickets into Light, Standard and Flex from 8 September 2026. The cheapest tier keeps old saver miles but drops lounge access, free bags and cancellation.
Timely coverage of what is changing in Indian credit cards: RBI and network rules, new launches, and issuer moves, with what each change means for cardholders.
Visa now sells three Infinite tiers in India, led by the invite-only Infinite Private, as ICICI's 1838 Reserve arrives in October at ₹1.75 lakh plus GST.
Axis Bank adds Cathay and Miles & More, restores Accor and drops Club ITC, while Air India moves into Group A, capped at 30,000 EDGE Miles on Atlas.
Axis Bank now lists its Rewards Credit Card as lifetime free, dropping a ₹1,000 fee on a card that pays 3.2% on apparel spends of up to ₹7,000 a month.
Side-by-side breakdowns of Indian credit cards that compete for the same wallet. We pick a winner where the math is clear and explain the trade-offs where it isn't.
HSBC TravelOne vs Axis Horizon on fees, forex and lounge access: 32 domestic visits on the Horizon's Visa variant against 6, at ₹3,000 against ₹4,999.
BOBCARD Etihad Guest Premium vs Kotak Air Plus: 0% forex markup and 20 lounge visits against 2% and six, with rates of 1.4% and 2% on general spend.
The Axis Flipkart vs SBI Flipkart credit card gap is not the rate: both draw the same ₹4,000 quarterly cashback cap, so four other things decide it.
Long-form explainers on how to think about Indian credit cards, from understanding reward economics to navigating fee waivers, devaluations, and category limits.
Credit card reward point value in India runs from ₹0.01 to ₹1.00, a spread that turns 4 points per ₹100 into an effective reward rate of 0.4%.
Credit card milestone spends in India return 0.17% to 10% of the spend they demand, and we priced all 45 rungs the catalogue can price.
We price 12 welcome offers against the joining fee plus 18% GST and name the seven credit card welcome bonuses in India that still end positive.
Long-form reviews of specific Indian credit cards. We cover fee economics, reward math, and a clear take on who should apply.
The AU LIT credit card is lifetime free and earns 0.25% at base. Its 5% grocery and apparel packs cost ₹299 and ₹199 per 90-day cycle.
Our RBL World Safari credit card review runs the arithmetic: this zero forex markup card repays its ₹3,540 fee only past ₹85,714 of foreign spend.
The IDFC FIRST Mayura costs ₹5,999 with no waiver at any spend level, and gates lounge, golf and movie benefits behind ₹20,000 of spend the month before.
Time-limited credit card offers worth knowing about: welcome bonuses, fee waivers, and category boosts from Indian issuers.
A targeted Marriott Bonvoy offer pays 1,000 points for linking an Emirates Skywards account by 31 October 2026. The dual earning it sells is tier-gated.
Scapia's October 2026 Refer and Earn campaign is live from 1 October: Amazon vouchers of ₹1,500 and ₹25,000 at 3 and 6 referrals, then ₹60,000 and ₹1,00,000 in Scapia Coins at 15 and 30.
Amex Platinum Reserve referral pays 15,000 MR points across two spend milestones, covering about three quarters of the ₹10,000 joining fee in year one. The math and verdict.