Credit Card Guides and Tips

On the surface, every UPI app does the same thing, scan a QR code, enter an amount, pay. PhonePe, Google Pay, Paytm, BHIM, and Kiwi all let you do exactly that. But underneath, they are built for very different users with very different goals. Choosing the wrong one means leaving real money on the table […]

The Problem with Most UPI Payments Indians made over 16,000 crore UPI transactions in 2024-25. Almost none of them earned any cashback. PhonePe, Google Pay, and Paytm process billions of transactions every month, but for the person scanning the QR code, the reward is zero. The app earns from the transaction. You do not. Kiwi […]

Introduction Over 300 million Indians make UPI payments every day. Most of them earn absolutely nothing from it. Here is the thing, the UPI app you choose determines whether every scan & pay is just a transaction, or a transaction that earns you real money back. In this guide, we compare the best UPI apps […]

Applying for a RuPay credit card in 2026 is mostly digital. But documentation still matters. Banks follow guidelines set by the Reserve Bank of India for KYC, risk checks, and income verification. If you are planning to apply for a RuPay credit card, here is everything you need to keep ready. 1. Identity Proof (Mandatory) […]

India’s credit card market is evolving fast. And regulation is driving that change. In 2026, the Reserve Bank of India continues to influence how credit cards are issued, billed, priced, and linked to UPI. For users of RuPay credit cards, these regulations directly affect: Let’s understand what is changing and why it matters. 1. Stronger […]

Paying the minimum due feels safe. It feels responsible. It feels like you avoided late fees. But it can quietly become a debt trap. If you use a RuPay credit card — especially one linked to UPI — you need to understand how the minimum due system really works. Let’s break it down simply. What […]

Your credit score does not drop because you spend. It drops because you use too much of your limit. That is where the credit utilisation ratio (CUR) matters. If you use a RuPay credit card — especially a RuPay credit card linked to UPI — understanding the 30% rule can protect your score and improve […]

Digital payments in India have changed fast. UPI is now part of daily life. From ₹20 tea to ₹5,000 shopping bills, most payments happen through QR codes. Now, with RuPay credit cards enabled on UPI, many users are asking an important question: Does using a RuPay credit card on UPI improve your CIBIL score? The […]

UPI has become India’s default payment method. Now, RuPay credit cards can also be linked to UPI apps. This raises a common question: Are there extra charges when you use a RuPay credit cards for UPI payments? The simple answer is:Usually, no extra charges — but it depends on how you use it. Let’s break […]