Credit Card Guides and Tips

UPI transaction limit rules matter when you are paying rent, clearing a bill, shopping, sending money, or using a RuPay credit card on UPI for everyday merchant payments. In most cases, the standard UPI limit is up to ₹1 lakh per day. But the actual limit you get can change based on your bank, UPI […]

The difference between credit score and CIBIL score is simple: a credit score is the broader term, while a CIBIL score is one type of credit score issued by TransUnion CIBIL. For Indian credit card users and loan applicants, both terms are often used in everyday conversations. But they do not mean exactly the same […]

PhonePe transaction limit is one of the first things Indian UPI users check when a payment fails, a transfer gets blocked, or a high-value payment has to be split. In most cases, the standard UPI limit on PhonePe is up to ₹1 lakh per day, with a maximum of 20 UPI transactions in a day. […]

Secured Credit Cards can be useful for first-time credit card users, students, freelancers, homemakers and people rebuilding their credit profile. They work like regular credit cards, but are backed by a fixed deposit or another cash deposit that acts as security for the card issuer. If you have been rejected for a regular credit card […]

Revolving credit is a reusable borrowing facility that lets Indian consumers spend up to an approved credit limit, repay what they use and access that amount again. A credit card is the most familiar example. Unlike a regular loan, you do not receive one fixed sum with a fixed repayment schedule. This flexibility can make […]

Credit rating agencies in India help investors, banks, lenders, companies, and regulators understand credit risk. In simple terms, they assess how likely a borrower or issuer is to repay debt on time. Their ratings are used for corporate bonds, bank loans, commercial paper, fixed deposits, securitised debt, municipal debt, and other financial instruments. For everyday […]

How is credit score calculated in India? Credit bureaus use the borrowing and repayment details in your credit report to estimate how likely you are to repay credit on time. For Indian borrowers, the score usually ranges from 300 to 900. A higher score generally suggests lower credit risk, but every lender makes its own […]

What is APR in credit card usage, and why should Indian credit card users care about it? APR stands for Annual Percentage Rate. It is the yearly rate used to show the cost of borrowing money on your credit card when you do not pay the full bill by the due date. In simple words, […]

A good credit score is usually 750 or above in India, especially when you are applying for a credit card, personal loan, or other unsecured credit. A score between 700 and 749 can still be considered good by many lenders, but 750 and above generally gives you a better chance of smoother approvals and more […]