The FindMyCard Blog
Guides and explainers on how Indian credit cards actually work, written by people who use them.
Why Your Reward Points Are Worth Less Than You Think
The "points earned" number on your statement isn't the same as what those points are actually worth. The...
Abhineet Sinha · 2026-08-23
How Airline and Hotel Mile Transfers From Credit Card Points Actually Work
A handful of premium cards let you move bank reward points into an airline or hotel loyalty program...
Anant Mohan Sinha · 2026-08-23
Amex Reward Multiplier Explained: From GyftR to ShopWise
If you've been redeeming Amex points through GyftR, that platform has been replaced. Here's what actually...
Abhineet Sinha · 2026-08-23
Axis Bank GRAB Deals Explained: How the Portal Actually Works
Start your cart empty, click through GRAB Deals first, and your Axis card earns extra EDGE points or a...
Anant Mohan Sinha · 2026-08-23
ICICI iShop Explained: How the Rewards Portal Actually Works
iShop is ICICI's answer to SmartBuy, book through it instead of direct, and the same card earns a...
Abhineet Sinha · 2026-08-23
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