A UPI reference number is a 12-digit number that identifies a UPI payment. For those of us in India who scan and pay for everyday purchases, it helps answer a familiar question: what happened to that payment? We can think of it as the receipt number for a transaction. When a payment needs checking, it […]

Learning how to change UPI PIN in Google Pay starts with one question: do we remember our current PIN? For those of us using Google Pay in India, the answer decides which option we need. If we know it, we can change it from the linked bank account’s settings. If we have forgotten it, we […]

What is MPIN number? If you’re new to mobile banking in India, we’ll help you make sense of it. MPIN stands for Mobile Banking Personal Identification Number. It is a private numeric code used to log in to a bank’s app or approve transactions, depending on the bank. The name can look similar to other […]

What is the difference between Visa and Mastercard? For Indian credit card users, it comes down to where the card works, the offers available and the exchange rate used for overseas payments. Your bank or card issuer decides your credit limit, interest charges and most card benefits. Both networks support everyday card payments in India […]

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 […]