Amazon Great Indian Festival 2026: Best Credit Cards and Bank Offers
The sale starts 8 October with 10% off on SBI cards. Dates, how to stack offers, and the best card to use.
Deepak is the founder and editor of CardPicker. He started the site to make choosing a credit card in India simpler and more honest: every card is measured the same way, by what it actually pays back after fees and caps.
He researches card terms from issuer documents (MITCs, product pages and bank notices), tracks devaluations and new launches, and builds the calculators on the site. Every article he publishes cites its sources, carries a fact-check date, and is updated when banks change their cards.
Areas of focus
- Credit card rewards and cashback
- Card fees, charges and RBI rules
- Travel cards, lounges and forex
- Card devaluations and launches
Read our editorial policy to see how articles are researched, fact-checked and corrected.
Articles by Deepak (51)
Flipkart Big Billion Days 2026: Best Credit Cards and Bank Offers
Big Billion Days starts 9 October, with up to 10% off on Axis and ICICI cards. Dates, early access and the best card to use.
iPhone 18 Pro and Pro Max in India: Prices, Bank Offers and the Best Card to Use
iPhone 18 Pro starts at ₹1,64,900. Every variant price, the ₹7,000 bank cashback, and the smartest way to pay.
iPhone Duo in India: Price, Pre-Order Date and How to Pay for It Smartly
Apple's foldable costs ₹2,99,900 to ₹4,49,900. Pre-order dates, bank cashback and what EMI really costs.
Credit Card Limit Based on Salary: What to Expect in 2026
How banks set your limit, a salary-wise table from ₹15,000 to ₹2 lakh, and the minimum income for popular cards.
IDFC FIRST Bank Drops Forex Markup to Zero on All Its Credit Cards
Every IDFC FIRST credit card, old and new, now charges no forex markup. Here is what you save and the reward-points catch.
Credit Card Devaluations in 2026: Every Major Change in India So Far
Caps halved, lounges gated and transfer partners removed. A dated list of 2026 credit card devaluations and how to respond.
New Credit Cards Launched in India in 2026
Swiggy BLCK and ORNGE, Bandhan Bank's first cards, Amazon Pay Kotak Business and more: 2026 launches worth knowing.
HDFC Swiggy vs Axis Airtel Credit Card: Which Should You Get in 2026?
Both cards changed a lot in 2026. We run the numbers on food delivery, bills and online shopping to find the better card.
Best Fuel Credit Card Under ₹500 Annual Fee (2026)
Two cards stand out for fuel savings at ₹500 or less a year. We compare BPCL SBI Card and IndianOil HDFC with real numbers.
Credit Cards With Lounge Access at Mumbai Airport (2026 Guide)
Lounge access is no longer "free". Which cards still get you into Mumbai airport lounges, and the spend rules to meet first.
Best Lifetime Free Credit Cards for a ₹25,000 Monthly Salary
Earning around ₹25,000 a month? These no-fee cards are realistic to get and pay back the most on everyday spending.
How to Calculate the Real Value of Credit Card Reward Points
One formula turns any points programme into a real rupee reward rate, so you can compare cards fairly.
Converting Credit Card Points to Airline Miles and Hotel Points in 2026
What happened to Club Vistara, which banks still transfer to Marriott and Accor, and how to transfer points safely.
Credit Card Milestone Benefits Explained: How They Work and When They Pay
Vouchers and bonus miles for hitting spend targets can add real value, if you would hit them anyway.
How to Save ₹20,000+ a Year by Using the Right Credit Card for Each Purchase
Real numbers: a four-card wallet earns about ₹31,000 more a year than one basic card for a typical family.
Spend-Based Fee Waivers: Are They Worth Chasing?
A waived fee is worth the fee plus 18% GST, but only if you would have spent the money anyway.
Cashback vs Reward Points Credit Cards: Which Should You Choose?
Cashback is simple and guaranteed. Points can be worth more, but only if you redeem them well.
Hidden Credit Card Charges in India: Forex, Fuel, Rent, Wallet and More
Forex markup, rent and wallet fees, fuel surcharge and more: the charges that quietly eat your rewards.
GST on Credit Card Fees and Interest Explained (With Examples)
18% GST applies to almost every credit card fee and to interest. Here's what that does to the real cost.
Credit Card Late Payment Charges Across Banks Compared (2026)
Slab-by-slab late fees for SBI and HDFC, what ICICI and Axis charge, and RBI's 3-day rule.
Credit Card Cash Withdrawal: Charges, Interest and Better Alternatives
A 2.5% fee plus interest from day one: why a ₹20,000 credit card withdrawal can cost ₹1,400+ in a month.
How Credit Card Airport Lounge Access Works in 2026
Free lounge access is now mostly spend-based. Here are the 2026 rules, bank by bank, and how to avoid surprises.
Best Credit Cards for a Dubai, Thailand or Europe Trip (2026)
Zero-forex cards, local card acceptance, ATM fees and DCC traps for India's three favourite trips.
Forex Card vs Credit Card vs Debit Card for International Travel
Markups, ATM fees, exchange-rate risk and rewards compared, plus the cheapest combination for most trips.
How to Use Credit Card Points to Book Flights and Hotels in India
Bank travel portals, airline transfers and travel credits: how to get the most from your points.
Best Credit Cards for Flight Rewards in India (2026)
Miles, SmartBuy points or travel coins? The best flight reward cards in India with real numbers.
How to Book Cheap Flights Using Credit Card Points in India
Portals, transfers and travel apps: how to turn your points into cheap flights, step by step.
Best Credit Cards for International Flights from India
Zero forex, lounges and big-ticket rewards: the best cards for flying abroad from India.
Airline Miles vs Cashback for Flight Bookings: Which Is Better?
Miles can be worth more, cashback is guaranteed. The break-even maths, with real Indian cards.
Best Credit Cards for Domestic Flights and Train Bookings
Cashback on MakeMyTrip, 10X on Cleartrip and Yatra, and what to use for IRCTC tickets.
Credit Card Changes in September 2026: Monthly Roundup
IDFC FIRST goes zero-forex, Axis reshuffles transfers, BOBCARD adds fees, and sale season begins.
New RBI Credit Card Rules in 2026: What They Mean for You
A new Ombudsman scheme, fairer late fees from April 2027, and the rules that already protect you.
Diwali 2026 Credit Card Offers: A Smart Shopper's Guide
Diwali is on 8 November. How to stack bank offers and card rewards, and avoid the festive-season traps.
Credit Card Devaluation Alerts: How to Spot Them and Protect Your Rewards
Warning signs, where devaluations are announced, and a plan to protect your points when a card is cut.
Credit Card Fraud? What to Do in the First Hour (Step by Step)
Block, report, call 1930 and document: the exact steps that protect your money and your RBI rights.
How to Dispute a Wrong Credit Card Transaction in India
Duplicate charge, undelivered order or fraud? Time limits, evidence and the chargeback process explained.
How to Use the RBI Ombudsman for a Credit Card Complaint (2026 Scheme)
Complain to your bank, wait 30 days, then file free at cms.rbi.org.in. Here's exactly how.
Is It Safe to Save Your Card on Apps? RBI Tokenisation Explained
Since October 2022, apps store a token, not your card number. Here's what that means for your safety.
Common Credit Card Scam Calls and SMS in India: How to Spot and Report Them
Reward expiry SMS, "limit increase" calls and fake KYC: the scams to know and how to report them.
Credit Cards for NRIs: How to Get an Indian Credit Card in 2026
NRE/NRO accounts, FD-backed cards and bank NRI programmes: the realistic routes to an Indian card.
Credit Cards for Freelancers and Gig Workers: How to Get Approved
No salary slip? ITRs, bank statements and FD-backed cards: how self-employed people get approved.
Add-On Credit Cards for Family Members: How They Work and When They're Worth It
Shared limits, pooled rewards and full liability for the primary holder: what to know before adding family.
Business Credit Cards for Small Business Owners in India
Eligibility, GST tracking, interest-free working capital and the personal-liability catch.
How to Get a Credit Card on a Low Salary in India
FD-backed cards from ₹5,000, entry cards from ₹15,000 salary, and how to build credit fast.
Best App to Pay Your Credit Card Bill in India (2026)
CRED, PhonePe, GPay, Paytm or your bank app: fees, speed, rewards and the BBPS rules explained.
RuPay Credit Card on UPI Explained: How It Works, Charges and Rewards
Pay any shop's UPI QR with your credit card. How linking, limits, charges and rewards work in 2026.
How to Close a Credit Card in India: Steps, RBI Rules and Credit Score Impact
Banks must close your card within 7 working days or pay ₹500 a day. Steps, checklist and score impact.
How to Improve Your CIBIL Score with a Credit Card (Practical Guide)
On-time payments, low utilization and patience: eight practical steps to a 750+ CIBIL score.
Credit Card vs Debit Card in India: Differences and When to Use Each
Whose money is at risk, rewards, credit score and a simple rule for when to use each card.
Minimum Amount Due on a Credit Card Explained (and Why It's a Trap)
Paying just the minimum avoids a late fee but costs about 42–45% a year. Here's the maths.