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Credit Cards

Credit Cards

6 articles

Credit Cards

Does BNPL (Buy Now Pay Later) affect your CIBIL score in India?

BNPL is credit, despite the 'pay later' branding — and many providers report it to CIBIL. On-time payments build history; missed payments damage your score like any default. BNPL limits count toward credit utilisation too. The biggest risk: losing track of small instalments across multiple apps. Here's how to use it safely.

21 Jun 2026·6 min read
Credit Cards

What is a safe EMI-to-income ratio in India — and what happens when you cross it?

Your EMI-to-income ratio determines how much loan you can safely service. Keep total EMIs below 40% of net income; home loan alone below 30%. Above 50%, you're financially fragile — one income shock from missed payments. Lenders use a similar ratio (FOIR) to cap your borrowing. Here's how to calculate and use it.

21 Jun 2026·6 min read
Credit Cards

Personal loan vs credit card for emergency borrowing: which is cheaper and when

Credit card beats a personal loan if you repay within 30 days — zero interest in the grace period. But for 3+ months, the gap flips: 14% p.a. personal loan vs 42% p.a. credit card saves ₹6,000+ on ₹1 lakh. Here's the exact cost at three time horizons and when neither is the right answer.

4 Jun 2026·7 min read
Credit Cards

How credit card interest works in India: the minimum payment trap, APR, and what it costs you in rupees

At 42% APR, a ₹1 lakh credit card balance costs ₹3,500 every month — and if you only pay the minimum, you'll still owe ₹40,000 after 5 years having paid nearly ₹2 lakh. This guide shows the exact maths of the minimum payment trap and how to clear credit card debt efficiently.

24 May 2026·8 min read
Credit Cards

Best credit cards in India 2026: cashback, travel, and fuel cards compared for salaried employees

Most credit card comparisons rank by headline reward rate. That number is misleading. This guide compares cashback, travel, and fuel card archetypes by effective annual benefit at three spend levels — the number that actually determines whether a card is worth it.

24 May 2026·9 min read
Credit Cards

How is CIBIL score calculated and how to improve it from 650 to 750+ in 6 months?

Your CIBIL score is calculated from payment history (35%), credit utilization (30%), credit length (15%), credit mix (10%), and new inquiries (10%). Here's exactly how to move from 650 to 750+ in 6–12 months.

16 May 2026·6 min read