The FindMyCard Blog
Guides and explainers on how Indian credit cards actually work, written by people who use them.
How to Increase Your Credit Card Limit
Banks don't just hand out higher limits for asking nicely. Here's what actually moves the needle, and when...
Anant Mohan Sinha · 2026-08-23
Credit Card Swipe Charges: When Merchants Can (and Can't) Charge You Extra
That extra ₹20 or 2% a shop adds when you swipe a credit card isn't a bank charge, and in most cases, the...
Abhineet Sinha · 2026-08-23
Credit Card Finance Charges: How Interest Is Actually Calculated
Finance charges don't just apply to whatever balance you leave unpaid. They can apply to your new...
Anant Mohan Sinha · 2026-08-23
Credit Card Balance Transfer: How It Works and When It's Worth It
Moving debt from one credit card to another isn't the same as paying it off, but done right it can cut...
Abhineet Sinha · 2026-08-23
Can You Pay a Credit Card Bill With Another Credit Card?
There's no button on any bank's bill payment page that says "pay with credit card," and that's not an...
Anant Mohan Sinha · 2026-08-23
How to Check If Your Credit Card Actually Has Lounge Access (Before You Get Turned Away)
"Complimentary airport lounge access" on a credit card almost always comes with conditions the marketing...
Abhineet Sinha · 2026-08-23
How Credit Card Reward Points Actually Work
The points system on your credit card is simpler than it looks, and less generous than the marketing...
Anant Mohan Sinha · 2026-08-23
What Is ATM Card AMC, and Why Does Your Bank Keep Charging It?
AMC stands for Annual Maintenance Charge, a yearly fee most banks quietly deduct from your account for...
Abhineet Sinha · 2026-08-23
Can You Transfer Money From a Credit Card to Your Bank Account? Here's What It Actually Costs
Yes, you can pull cash from a credit card into your bank account. It's called a cash advance, and the fees...
Anant Mohan Sinha · 2026-08-23