The FindMyCard Blog
Guides and explainers on how Indian credit cards actually work, written by people who use them.
HDFC SmartBuy Explained: How the Portal Actually Boosts Your Reward Points
SmartBuy isn't a separate rewards program, it's a shopping portal that multiplies the same reward points...
Anant Mohan Sinha · 2026-08-23
Credit Card Late Payment Fees: How They're Actually Calculated
Late fees are slab-based, not a flat number or a straight percentage, and they stack on top of finance...
Abhineet Sinha · 2026-08-23
How Contactless (Tap-to-Pay) Limits Work on Indian Cards
₹5,000 is the number to know: below it, a tap goes through with no PIN. Above it, you'll need to enter...
Anant Mohan Sinha · 2026-08-23
What Is a Welcome Bonus, and Why the Fine Print Matters More Than the Number
A big welcome bonus headline number usually comes with a spend requirement and a deadline attached, and...
Abhineet Sinha · 2026-08-23
What Is a Credit Card's Free-Look or Cancellation Window?
You can back out of a credit card shortly after getting it, no questions asked, as long as you act within...
Anant Mohan Sinha · 2026-08-23
Annual Fee Waivers: Why "Spend ₹X and It's Free" Isn't Always True
The waiver condition on your statement and the waiver condition in the card's actual terms don't always...
Abhineet Sinha · 2026-08-23
What Happens If You Cross Your Credit Card Limit?
Under current RBI rules, a bank can't just let a transaction slide through over your limit and slap you...
Anant Mohan Sinha · 2026-08-23
Milestone Benefits on a Credit Card: How to Actually Hit Them
A voucher for spending ₹3 lakh in a year sounds generous until you actually track whether your real...
Abhineet Sinha · 2026-08-23
Credit Card Insurance Cover: What's Actually Included
Premium cards love to advertise "complimentary insurance cover" as a headline perk. The actual payout...
Anant Mohan Sinha · 2026-08-23