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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Zero forex markup: what you still pay abroad
A zero-markup card removes one charge out of six. The network's rate, dynamic currency conversion, your issuer's separate DCC fee, ATM fees and same-day interest on cash are all still waiting for you.
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Lounge access moved to spend gates. Here is what that changed.
Complimentary visits used to come with the card. On most Indian cards they now come with last quarter's spending, which makes the benefit conditional in a way the marketing does not show.
