9cards posts
Guides, explainers
and the fine print.
Writing from us, not from the community: how Indian card fees, caps, reward currencies and benefit gates actually behave once you read the terms rather than the landing page.
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Everything we’ve published.
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No-cost EMI on credit cards: charges, GST and the real cost
No-cost EMI usually offsets bank interest with a merchant discount, but processing fees, taxes, lost rewards and cancellation charges can still change the final price.
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Credit card late payment: charges, CIBIL impact and the 3-day rule
A payment due date still matters even though RBI rules use a more-than-three-days threshold for penal charges and past-due reporting. Learn what minimum due does and how to recover.
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Add-on credit card: shared limit, liability and smart controls
An add-on card gives a family member a separate card but usually uses the primary account's shared limit and bill. Understand liability, rewards, controls and credit reporting.
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Credit card payment allocation: where your money goes first
A partial card payment is divided according to the issuer's allocation order, not necessarily the balance you wanted to clear. Learn how tax, EMI, fees, interest, purchases, transfers and cash can compete for one payment.
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Credit card lounge access denied: a step-by-step airport checklist
A card can advertise lounge access and still fail at the desk because of spend gates, visit limits, network lists, terminal restrictions, token charges or outdated eligibility. Verify each layer and preserve a non-sensitive receipt.
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Credit card annual fee waiver: audit the spend threshold before you chase it
A fee waiver depends on the membership-year window, eligible posted spend and exclusions—not simply the total visible in your statements. Calculate the gap and compare it with the after-tax fee before spending more.
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HDFC business credit cards compared in 2026: BizFirst, BizGrow, BizPower and BizBlack
A fact-checked comparison of four HDFC business-card tiers covering fees, ITR thresholds, reward gates, caps, lounge conditions and the July 2026 redemption conflict.
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How to close a credit card in India: RBI rules and checklist
Clear billed and unbilled dues, move autopays, use an official closure channel and obtain confirmation. RBI rules require eligible closure within seven working days.
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Credit card balance transfer: fees, interest and the real cost
A balance transfer moves debt to another credit card at a promotional rate; it does not erase the debt. Compare the fee, tenure, repayment order and purchase-interest trap.
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Wrong credit card entry on your credit report: a precise dispute checklist
Identify the exact account field, preserve the dated report, complain to the reporting institution and credit bureau, and track the 30-calendar-day resolution framework. Correct data is the goal—not automatic deletion of accurate history.
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Instant discount vs cashback vs reward points: compare the real deal value
Checkout savings, later cashback and reward points differ in timing, certainty, caps, exclusions and reversal risk. Use this worksheet to compare the amount you will actually keep.
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HDFC BizPower changes in 2026: new earn rate, voucher and lounge spend gates
BizPower’s May and July 2026 changes affect base points, acceleration, quarterly vouchers and travel access. Here is what the gates mean in practical calculations.
