Credit Card

Articles about Credit Card

October 5, 2026Instant Loan on Credit Card in India: How It Works, Costs & When to Use ItAn instant loan on a credit card is a pre-approved loan your card issuer pays into your bank account, which you repay in fixed monthly EMIs. Published rates run from 11% to 25% a year, far below the 45% a year a cash withdrawal on the same card can cost. Some banks pay out within seconds; others take 3 to 5 working days.

Credit CardPersonal Loan

September 28, 2026Credit Card Offers for Diwali 2026: How to Save More Without Falling Into DebtDiwali falls on 8 November 2026, and the big festive sales begin weeks before it. It is also the time of year when credit card offers for Diwali are at their best: instant bank discounts, extra cashback, bonus reward points and no-cost EMI on almost everything from phones to fridges. Used well, a credit card can save you thousands of rupees this festive season. Used carelessly, it can leave you paying 36-45% interest into the new year. What decides which one happens is simple: only spend what you can repay in full by the due date. This guide explains how the offers work, whether no-cost EMI is really free, and how to use your card wisely during the festive season.

Credit Card

September 25, 2026RBI new CIBIL score rules: what changed in 2025 and what to do in 2026The Reserve Bank of India regulates India's credit information reporting framework — it does not calculate a borrower's CIBIL score. The "RBI new CIBIL score rules" discussed in 2026 are about faster credit information reporting following 2025 implementation, not a new RBI-made scoring formula. The regulatory anchor is RBI's circular dated August 8, 2024 on reporting credit information to credit information companies, which required fortnightly submission (or shorter intervals where applicable), implemented no later than January 1, 2025. For borrowers, this means a paid EMI, closed loan, overdue card bill or default may appear sooner once the lender reports it and the bureau processes it. TransUnion CIBIL, Experian India, Equifax India and CRIF High Mark all generate credit reports and scores from this lender-reported data.

Personal LoanCredit Card