The FindMyCard Blog
Guides and explainers on how Indian credit cards actually work, written by people who use them.
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
What Is a Credit Card Chargeback, and How Do You File One?
A chargeback is your bank reversing a payment on your behalf. It works, but only within a real window and...
Abhineet Sinha · 2026-08-23
Reward Points vs Cashback: Which Actually Gives You More Value?
Points feel bigger on paper, cashback feels simpler in your account. The honest comparison depends on how...
Anant Mohan Sinha · 2026-08-23
What Is MITC, and Why You Should Actually Read It
Most Important Terms and Conditions is the one document every Indian bank is required to give you before...
Abhineet Sinha · 2026-08-23
Disadvantages of Credit Cards Nobody Tells You About
Credit cards get pitched almost entirely on the upside, rewards, convenience, building credit. The...
Anant Mohan Sinha · 2026-08-23