Category

Finance & Banking for NRIs>Credit Cards

• HDFC Diners Club Black Credit Card Review

  The Smart Alternative to Infinia for Us NRI Returnees. Remember when I told you about getting the Infinia invite back in 2020? Well, here's the thing. Most of you won't get that invite. HDFC knows this. That's why they created the Diners Club Black. It's basically Infinia's young

• Standard Chartered Ultimate Credit Card Review

  Remember when I told you about my credit card journey after moving back from the US in 2017? Well, here's a card I almost missed. The Standard Chartered Ultimate. Back in 2019, I was deep into the HDFC ecosystem. Regalia this, Diners that. Then a friend from my SuperMoney days (f

• Times Black ICICI Bank Credit Card Review

  Back in December 2024, I kept seeing Times Black ads everywhere. Full page newspaper ads. LinkedIn sponsored posts. Instagram stories. The marketing was intense. "India's most exclusive credit card." "Crafted from the metal of Times of India's first printing press." My curiosity

• Axis Bank Atlas Credit Card: The Ultimate Travel Companion?

  After 18 months of using the Axis Atlas Credit Card extensively across 12 countries and 40+ domestic flights, here's my comprehensive deep dive into whether this card deserves a spot in your wallet. At a Glance: The Atlas Promise 📊 Card Type: Premium Travel Credit Card (Airline A

• ICICI Bank iShop Review: Response to SmartBuy 🛍️

  After months of testing ICICI Bank's iShop portal extensively across flights, hotels, and shopping vouchers, here's my comprehensive analysis of whether this platform can truly compete with HDFC SmartBuy and Axis GrabDeals. At a Glance: iShop's Promise 📊 Platform Type: Rewards-ba

• AmEx Centurion (Black) Card Review: Symbol of Elite

  After extensive research into the world's most exclusive credit card and conversations with current cardholders, here's the definitive guide to the Centurion Card from American Express - a piece of anodized titanium that opens doors money alone cannot. Welcome to the Most Exclusi

• Axis Bank Magnus Burgundy Credit Card Review: The Elite Companion

  After 15 months of holding both the regular Magnus and the Magnus Burgundy, here's my comprehensive analysis of whether this ₹30,000 annual fee card is worth the premium over its regular counterpart. Quick Overview: The Burgundy Advantage 🏆 Card Type: Super-Premium Travel Credit

• HDFC Bank Millennia Credit Card Review

  When I moved back from USA in 2017, credit cards were a maze. My American credit history meant nothing here. I had to start fresh. The Millennia card caught my attention because it promised rewards for online shopping. And let's be honest, as NRIs transitioning back, we order eve

• SBI Cashback Credit Card Review

  Remember when I moved back from San Francisco in 2017? Setting up Indian banking was a nightmare. My wife wanted a simple credit card for online shopping. "Something like our Chase Freedom card," she said. That's when I discovered the SBI Cashback Credit Card. Three years later,

• Swiggy HDFC Bank Credit Card Review

  Picture this. March 2020. COVID lockdown. We're stuck at home in Bangalore. My US born son is complaining. "Dad, I miss Chipotle and In-N-Out." My wife suggests we try Indian food delivery. That's when we discovered Swiggy. Six months later, our monthly food delivery bill was ₹12

• Airtel Axis Bank Credit Card Review

  When I moved back from USA in 2017, I was overwhelmed by Indian telecom options. Jio was new. Airtel was established. BSNL was... well, BSNL. I chose Airtel for my family. Two postpaid connections. Broadband for work. DTH for my mom. When Airtel launched their credit card with Ax

• Tata Neu Infinity HDFC Bank Credit Card Review

  When HDFC Bank launched the Tata Neu Infinity Credit Card in 2022, I was skeptical. Another co-branded card? Really? But here's the thing. My family had become heavily dependent on the Tata ecosystem after moving back from USA in 2017. BigBasket for groceries. Croma for electroni

• IDFC First Bank Ashva Metal Credit Card Review

  When I moved back from USA in 2017, I missed the weight of my Chase Sapphire Reserve in my wallet. That metal card commanded respect at every restaurant and airport. So when IDFC First Bank launched the Ashva Metal Credit Card in 2024, I was intrigued. Finally, an Indian bank off

• American Express Membership Rewards Credit Card Review

  When I moved back from USA in 2017, I missed my American Express cards. The service. The acceptance. The premium feel. So when Amex launched their Indian operations, I was among the first to apply. My wife thought I was crazy. "Another credit card? Really?" But here's the thing.

• Flipkart Axis Bank Credit Card Review

  June 20, 2025. A date that will live in infamy for Flipkart Axis cardholders. I woke up to an email from Axis Bank. "Enhanced benefits," they called it. But reading through the fine print felt like watching a magic trick. The bank made our benefits disappear. When I moved back fr

• Amazon Pay ICICI Bank Credit Card Review

  In 2018, when this card launched, I was skeptical. Another cashback card? Really? But here's the thing. My family orders everything on Amazon. Groceries. Electronics. Books for the kids. Even my wife's daily essentials. After moving back from USA in 2017, Amazon became our lifeli

• Top Student Credit Cards in India with No Income Proof: Real Deal

  Hey folks! Mani here. The guy who wished someone had told him about student credit cards when he was broke in engineering college. Back then, I was surviving on ₹2,000 monthly pocket money and thought credit cards were for "rich people with jobs." Boy, was I wrong. Today, student

• Best Business Credit Cards in India for Entrepreneurs: The Real Deal Guide

  Hey folks! Mani here. The guy who mixed personal and business expenses for 3 years and paid dearly for it. Used my personal HDFC card for everything - office supplies, client lunches, software subscriptions, overseas payments. Tax filing was a nightmare. Missed tons of GST input

• Best Credit Cards for Lounge Access: The Real Deal Guide

  Hey folks! Mani here. The guy who used to eat overpriced airport sandwiches while watching business travelers disappear into fancy lounges. That was before I discovered the lounge access game. Now I'm the one enjoying free food and WiFi while others pay ₹600 for basic dal-rice ou

• Best Fuel Credit Cards in India: The Real Math Behind Petrol Savings

  Hey folks! Mani here. The guy who spent ₹8,000 monthly on fuel and never got a rupee back until I discovered fuel credit cards. Used to pay cash at petrol pumps like a caveman. Then tried regular credit cards that charged extra surcharges. Finally learned the game and now save ₹1

• Top Credit Cards in India with Maximum Air Mile Benefits: The Honest Truth

  Bottom line: If you want serious air miles, it's still HDFC Infinia/DCB or Axis Atlas. Everything else is either too niche or too expensive for what you get. Let me save you from the marketing noise and give you the real deal on air miles cards. The Air Miles Kings HDFC Infinia C

• Best Lifetime Free Credit Cards in India: The Only Guide You Need

  TLDR: Amazon Pay ICICI is still king. HDFC Neu Infinity if you shop at Tata brands. Everything else is filler. I've tested 30+ lifetime free cards over 5 years. Most are garbage dressed up as value. Here's what actually works. Why LTF Cards Matter Annual fees add up. ₹500 here, ₹

• Best Travel Credit Cards in India for Frequent Flyers: No BS Edition

  TLDR: HDFC Infinia is still king if you can get it. DCB is 90% as good at lower cost. Everything else is a distant third. Look, I've been in this game for 8 years. Tried every card, faced every devaluation. Let me save you from the marketing BS and tell you what actually matters

• Credit Cards in India That Offer the Best Reward Points: The Real Deal

  Bottom line first: HDFC Infinia and Diners Club Black are still the kings, but they're invitation-only and expensive. For most people, Axis Atlas or American Express MRCC will give you better bang for your buck. Let me break down the credit card game in India without the marketin

• HDFC Bank Times Titanium Credit Card: A Credit Card for Movie Lovers! 🎬

  Guess what? Some special plastic cards let grown-ups buy things without using real money right away! One super cool card is called the HDFC Bank Times Titanium Credit Card! Is this magical money card right for YOU? Let's go on an adventure to find out! 🍿 What Makes This Card Supe

• How to Choose the Right NRI Credit Card 💳

  Hey there! Mani here. Remember my first month back in India?There I was, proudly flashing my US Amex at a local store.Cashier: "Sir, we don't accept this."Me: Stares at my 800+ FICO score in silence 😅 After testing every NRI credit card out there (and making every possible mistak

• Credit Cards for NRIs: The Complete Guide 💳

  Hey folks! Mani here. Picture this: San Francisco, 2009.Me, proudly showing my first US credit card: "850 credit score!"Back in India: "Sorry sir, no credit history here."My FICO score suddenly felt like my high school GPA - irrelevant! 😅 Quick Takeaways ⚡ [su_note note_color="#f

• IDFC Credit Card Review - Should you get it?

  If you're reading this you would've heard the good news already. IDFC credit cards are here. Yay! IDFC banking has been exceptional since the start and ever since IDFC merged with Capital First, one of the most awaited products was their credit cards. In January 2021, IDFC First

• HDFC Infinia Credit Card Review

  Back when I moved from the US to India in 2017, credit cards were the last thing on my mind. I was dealing with my mom being alone, getting the kids settled, and figuring out the whole "reverse culture shock" thing. But three years into my India journey, I got the golden email. H

• Is it Better to Get a Credit Card or a Debit Card in India?

  Plastic money has made life easier and their popularity is well evidenced by the number of credit and debit cards active in India. According to the Reserve Bank of India, 44.2 million credit cards were functional in India in 2018! Between December 2017 and December 2018, approxim

• Premium Credit Cards in India: Complete Guide to Getting One💳

  After reviewing over 50 premium cards and using 5 of them personally (yes, my wallet is heavier than my gym bag!), let me share everything I've learned about India's elite premium credit cards. Quick Takeaways for Busy Bankers 📝 [su_note note_color="#f8dffe" text_color="#000000"

• Best Credit Cards to Use When Traveling from India to USA

  In a recent article, Bank Bazar reported, “In a survey conducted by Yatra.com on 5,000 registered email addresses, it was revealed that approximately 90% of travellers booking on their website prefer to make payments for their tickets via credit cards.” Beside the convenience of

• ICICI Bank Launches Instant Credit Card for Online Shopping

  ICICI Bank is one of the leading private sector banks in India and it has been very innovative in bringing new products in the Indian financial market. Latest to hit the market is an Instant credit card from ICICI bank. Details below. What is the instant credit card from ICICI ba

• Axis Bank My Choice Credit Card Review

  Have you ever found your square of plastic money simple, boring or unsightly? What if you get the chance to jazz up that boring credit card with an image or design of your choice? The opportunity to design your own card, while getting the best out of every transaction, can be ver

• Axis Bank Platinum Credit Card Review

  To keep up with its reputation of the best credit card provider in the country and to cater the lifestyle needs of a vast range of Indians, Axis Bank Pvt. Ltd. has come up with the Axis Bank Platinum Credit Card, not only for access to cash but to offer a buffet of privileges, of

• Axis Bank My Wings Credit Card Review

  Are you someone who loves to spend every spare moment traveling? If yes, you can travel smart with a credit card that offers special features on road, rail and air travel. Axis Bank Pvt. Ltd. has come up with the Axis Bank My Wings Credit Card, which offers two complimentary base

• Axis Bank Pride Signature Credit Card Review

  Would you like a credit card that lets you enjoy complimentary airport lounge access within India, waiver of your fuel surcharge and advanced security? One of the top banks in the country, Axis Bank, certainly has one such card for you, the Axis Bank Pride Signature Credit Card,

• Axis Bank Pride Platinum Credit Card Review

  The role of the Army, Navy and Air Force in protecting our country and securing its boundaries cannot be expressed in just a few words. India's leading private sector bank, Axis Bank Pvt. Ltd., wishing to acknowledge this, has come up with the Pride Platinum Credit Card, which is

• Axis Bank MY Zone Credit Card - Good For Movie Buffs!

  If you are a regular movie goer who dines out every weekend (sounds very much like me), and is looking to save some money while at it, then here is a card you need to know about. I like Axis bank. I like their credit cards. I don't like their hidden charges though. Most of their

• How to Apply for Credit Cards Online in India

  Standing in that HDFC Bank branch in Bangalore in 2017, I felt like a financial alien. My US credit history meant nothing. My wife looked confused. My US-born son kept asking why we needed so many documents just for a card. Seven years later, I've cracked the code. Why This Guide

• SBI Unnati Credit Card - A Credit Card For Those Without Credit History

  If you've been wanting to get a new credit card for the first time, and disappointed that no bank would give you, worry not - SBI is here to your rescue with SBI Unnati Credit Card. A credit card for first timers with no credit history. I've mentioned it many times that going ahe

• Using Indian Credit Cards in the USA -What are the best options?

  So, if you're a student in the USA or a visiting traveler, chances are that you have your Indian credit card and you have to use it for various things. US is a cashless economy, and almost everywhere you go, you can get away with plastic money. (Even at the toll-booth and parking

• 10 Best No Annual Fee Credit Cards in India

  Looking for a credit card with no annual fees? The options are not many but there's hope. I personally hate credit cards with annual fees. I mean, why should I be paying you for being able to use the card? If the rewards are amazing, it might make sense to pay annul fees in certa

• 10 Best Shopping Credit Cards in India

  Shopping is the national sport of India. Just kidding. It is no secret that shopping gets even better with shopping credit cards. With more and more credit cards offering rewards and offers these days, today's consumer is more on the benefits side. Credit card facilitate easy pay

• 10 Best Movie Credit Cards in India - Watch Movies, Get Benefits!

  Tip: This article has data tables which might not look pretty on mobile phones. Please view this article on laptop or desktop to view them. Who doesn’t like watching a movie in theater after a long working week? What better way to enjoy this if you get discounts or free vouchers

• 10 Best Travel Credit Cards in India

  With changing lifestyle travel has become an integral part of our lives. Be it business or leisure traveling has become easier and a part of our lives. In terms of credit cards for travel in India, you have many choices to make and each have been specially designed to suit custom

• 10 Best Credit Cards for Salaried People in India

  So, you are a salaried person and you're looking for a credit card. You have plenty of options from the banks, but choosing the right one may be confusing. There's so many options to choose from and without knowing the details of each card, making mistakes are very likely. This a

• 10 Best Credit Cards for Online Shopping in India

  If you are a shopping enthusiast then you will definitely love the idea of getting cash back or rewards for the money spent. What is even better, if you can purchase without having to step out of the house. This has become possible with development of e commerce in India. The com

• 10 Best Credit Cards in India for Bill Payments

  So, you're looking for a credit card in India to pay your bills? Good decision. I'm a big fan of credit cards and believe that choosing the right one gives you all the benefits and freedom. And I'm glad you're looking for one specifically for bill payments. That's good. There are

• RBL Bank Titanium Delight Credit Card Review

  RBL Bank's Titanium Delight Credit Card is a rewards/cashback credit card with an extensive rewards scheme. First off, if you haven't heard of RBL Bank, then you're not alone. It's a bank that is not that popular in India but has some solid products. This credit card is one such.