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.
Page 5
Everything we’ve published.
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Unauthorized credit card transaction: dispute and chargeback steps
Block the card, report the transaction immediately and preserve evidence. RBI liability depends on why the fraud occurred and how quickly the bank was notified.
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Credit card EMI foreclosure: charges, cancellation and payoff
Closing a card EMI early can save future interest but trigger a foreclosure fee, tax and statement adjustments. Learn the difference between cancellation and pre-closure.
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How to report outdated credit card information on 9Cards
Send the exact page, disputed field, effective date and a primary source. This evidence-first workflow helps us distinguish a current correction from a historical term, temporary offer or product-specific exception.
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HSBC TravelOne transfer partners and ratios in 2026
TravelOne has a broad transfer list, but its ratios range from three partner points per card point to one partner point per five card points. This dated guide maps the exceptions, earning caps and timing before you transfer.
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Credit card limit increase: eligibility, CIBIL and consent
A higher credit limit can reduce utilisation when spending stays unchanged, but it is not extra income. Compare pre-approved, requested and temporary increases before accepting.
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Credit-card lounge access compared: four cards in July 2026
HSBC Live+, HSBC TravelOne, HDFC BizPower and HDFC BizBlack use four different access rules. The visit count matters, but so do half-year limits, previous-quarter spend and previous-month transaction gates.
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The billing cycle explained: why two people with the same card get very different interest-free periods
Your interest-free period is not a fixed number of days. It depends entirely on where in the statement cycle you happen to buy something, and it can vary by a month between two purchases made two days apart.
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HDFC BizBlack Metal review 2026: reward gates, lounge conditions and fee maths
BizBlack Metal pairs a ₹10,000 annual fee with 5 points per ₹150, a 5X spend gate, conditional unlimited lounge access and six quarterly golf games.
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HSBC Live+ launch timeline: Myntra cashback, Reserve and lounge dates
Myntra’s temporary 10% cashback is live on 31 July, but Live+ Reserve starts on 1 August and the international lounge visit starts on 1 September. Here is what changes when.
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Credit-card benefit changes: the July 2026 watchlist
July closed with HDFC business-card gates, HSBC Live+ changes, a new Myntra offer and more changes due in August and September. Here is a source-led workflow for checking what actually applies to a statement.
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What a cashback cap actually limits
A ₹500 monthly cap is not a limit on your spending. It is a limit on how long the advertised rate applies, and the two stop matching much sooner than most people expect.
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Reward points or cashback: which is actually worth more?
A card paying four points per hundred rupees sounds better than one paying one and a half per cent. Whether it is depends on a number the marketing never prints: what one point is worth when you spend it.
