The FindMyCard Blog
Guides and explainers on how Indian credit cards actually work, written by people who use them.
What Is a Metal Credit Card, and Is It Worth Paying More For?
A metal card weighs more, feels different at checkout, and usually comes with a real annual fee attached....
Anant Mohan Sinha · 2026-08-23
Zero Forex Markup Credit Cards: How They Work and Who Should Get One
A handful of Indian cards genuinely charge nothing extra on foreign currency spends. Here's how banks make...
Abhineet Sinha · 2026-08-23
What Is Forex Markup, and How Much Does It Really Cost You?
Every rupee you spend abroad on a regular credit card gets a markup added on top of the actual exchange...
Anant Mohan Sinha · 2026-08-23
A Credit Card's Billing Cycle, and Why the Date You Spend Matters
Two purchases of the same amount, made a few days apart, can end up with completely different...
Anant Mohan Sinha · 2026-08-23
No-Cost EMI Cancellation Charges, Bank by Bank
Cancelling or returning something bought on no-cost EMI usually comes with a processing fee that doesn't...
Abhineet Sinha · 2026-08-23
Cash Limit vs Credit Limit: What's the Difference?
Your card has two ceilings, not one, and the cash one is almost always much smaller. Mixing them up is how...
Anant Mohan Sinha · 2026-08-23
How to Close a Credit Card the Right Way
Cutting up the card isn't closing the account, and closing it wrong can leave you with fees, a damaged...
Abhineet Sinha · 2026-08-23
RuPay Credit Card UPI Charges Above ₹2,000: What Changed
A merchant fee on RuPay credit card UPI payments above ₹2,000 does exist, but it's the merchant who pays...
Anant Mohan Sinha · 2026-08-23
What Is a Grace Period on a Credit Card?
The grace period is the entire reason a credit card can be interest-free, and it's shorter than most...
Abhineet Sinha · 2026-08-23