From the CardsWala Desk

Explore articles like "Unlock a World of Rewards: Your Friendly Guide to the PhonePe Wish Card!", "Your SBI Card Just Got an Update: Here's What You Need to Know!", "The Amazon Great Indian Festival 2025: Your Ultimate Shopping Guide!", and 41 more.

Showing 44 of 44 articles.
The PhonePe Wish Card displayed on a smartphone screen, with icons for a fixed deposit, cashback, and UPI, illustrating its features.

Unlock a World of Rewards: Your Friendly Guide to the PhonePe Wish Card!

Cards
Discover the PhonePe Wish Card, a lifetime-free secured credit card with guaranteed approval, designed to help you build your credit score. This guide covers its 3% cashback benefits, how it's linked to a Fixed Deposit, and why it's perfect for first-time users.
#Credit Cards#Rewards & Benefits#Beginner's Guide#Building Credit#Financial Literacy#India

CardsWala Crew

October 12, 2025

An SBI Credit Card with plus and minus icons, representing the new reward point increases and transaction fee updates.

Your SBI Card Just Got an Update: Here's What You Need to Know!

Cards
SBI Card is introducing new updates, including a 1% fee on education payments via third-party apps and large wallet loads starting November 1, 2025. This guide also covers the increased reward points on Ajio and JioMart purchases, helping you navigate the changes.
#Credit Cards#Rewards & Benefits#Spending Tips#Money Management#Financial Literacy#India

CardsWala Crew

October 12, 2025

The Amazon Great Indian Festival 2025 logo with images of popular products like smartphones and laptops on sale.

The Amazon Great Indian Festival 2025: Your Ultimate Shopping Guide!

Money Tips
Dive into the Amazon Great Indian Festival 2025 with this ultimate shopping guide, featuring the best deals on top products like the iPhone 15, MacBook Air M1, and Sony headphones. Don't forget to use your SBI card to get an additional 10% instant discount.
#Amazon Sale#Spending Tips#Credit Cards#Rewards & Benefits#Deals#India

CardsWala Crew

October 6, 2025

A split image showing a secured credit card with a lock icon on one side and an unsecured credit card with a rewards icon on the other.

Secured vs. Unsecured Credit Cards: Your Friendly Guide to Choosing the Right Plastic!

Credit & CIBIL
Understand the key differences between secured and unsecured credit cards with this friendly guide. Learn how secured cards help you build credit with a security deposit, while unsecured cards offer higher limits and rewards for those with an established credit history.
#Credit Cards#Building Credit#CIBIL Score#Beginner's Guide#Financial Literacy#India

CardsWala Crew

September 30, 2025

A hand holding a fan of several different credit cards, with icons for cashback, travel, and shopping, illustrating the credit card stacking strategy.

Credit Card Stacking 101: Your Ultimate Guide to Maximizing Rewards on Every Spend

Money Tips
Learn the art of credit card stacking-a powerful strategy for maximizing rewards by using different cards for specific spending categories like groceries, travel, and dining. This guide explains how to build your ideal card portfolio and the golden rules for managing it responsibly.
#Credit Cards#Rewards & Benefits#Spending Tips#Money Management#Financial Literacy#India

CardsWala Crew

September 30, 2025

Smartphone screen showing the logos of Cred, Paytm, and PhonePe with a 'Service Unavailable' message on a rent payment page.

Rent Payments on Cred, Paytm & PhonePe Halted: What You Need to Know

Banking
Discover why rent payment services on Cred, Paytm, and PhonePe have been suspended following new RBI regulations for payment aggregators. This guide explains the changes, the impact on using credit cards for rent, and provides the best alternative payment methods available now.
#Payment Methods#Credit Cards#RBI#Fintech#Financial Literacy#India

CardsWala Crew

September 28, 2025

The Amazon Pay ICICI Bank Credit Card shown with plus and minus signs, detailing the new lower forex fee and new cashback exclusions.

Amazon Pay ICICI Bank Card Revamp: What You Need to Know!

Cards
Effective October 11, 2025, the Amazon Pay ICICI Bank Credit Card is being updated with a lower 1.99% forex fee but will exclude cashback on key categories like rent, utilities, and EMI. This guide breaks down all the changes to help you decide if the card is still right for you.
#Credit Cards#Rewards & Benefits#Amazon#ICICI Bank#Spending Tips#India

CardsWala Crew

September 24, 2025

A smartphone displaying the Paytm app with the 'Paytm Postpaid' option selected for a UPI QR code payment.

Unlock Instant Credit on UPI: Your Ultimate Guide to Paytm Postpaid

Loans
Discover Paytm Postpaid on UPI, a 'Spend Now, Pay Later' service offering an instant credit line of up to ₹60,000 for all your UPI payments. This guide explains its features, the 30-day interest-free period, and how to activate it for flexible cash flow management.
#Paytm#UPI#BNPL#Payment Methods#Financial Literacy#India

CardsWala Crew

September 24, 2025

The logos of Zomato and Air India joined by a plus sign, with a plate of food on one side and an airplane on the other, symbolizing the new partnership.

Your Cravings Can Now Earn You Flights: The Air India & Zomato Partnership Takes Off!

Money Tips
Air India's Maharaja Club and Zomato have launched a new partnership, allowing members to earn 2% back in flight points on food orders over ₹499. This guide details all the benefits, including a complimentary Zomato Gold membership and a daily chance to win a free flight.
#Rewards & Benefits#Air India#Zomato#Travel#Spending Tips#India

CardsWala Crew

September 19, 2025

A credit card surrounded by icons representing its benefits: a rising graph (credit score), a gift box (rewards), a shield (security), and an airplane (travel).

Your Wallet's Secret Weapon: Why a Credit Card is a Smart Financial Move

Cards
Discover why a credit card is a powerful financial tool that helps you build a strong credit score, earn valuable rewards, and enjoy superior security. This guide explains the key benefits that make a credit card an essential part of modern money management.
#Credit Cards#Building Credit#Rewards & Benefits#Financial Literacy#Beginner's Guide#India

CardsWala Crew

September 16, 2025

A credit score meter pointing to 'Poor' with several credit cards around it, illustrating how excessive usage can damage financial health.

How Excessive Credit Card Usage Can Damage Your Credit Score

Credit & CIBIL
Discover how excessive credit card usage, high credit utilisation, and late payments can significantly damage your credit score in India. This guide explains the key factors that lower your score and provides actionable tips for responsible card management.
#Credit Cards#CIBIL Score#Credit Utilization#Financial Health#Financial Literacy#India

CardsWala Crew

September 15, 2025

An arrow showing money moving from a credit card to a bank account on a smartphone, with icons representing fees and interest.

How to Transfer Money From Your Credit Card to a Bank Account: The Complete 2025 India Guide

Money Tips
Explore five methods to transfer money from your credit card to a bank account in India, including net banking, e-wallets, and cash advances. This 2025 guide details the fees, interest rates, and potential impact on your credit score for each option, advising its use only for emergencies.
#Credit Cards#CIBIL Score#Credit Utilization#Debt Trap#Financial Literacy#India

CardsWala Crew

September 15, 2025

A flowchart showing how money from merchants (MDR) and cardholder fees flows to the bank to fund credit card reward points.

The Hidden Cost of Your Credit Card Points: Who Actually Pays for Your "Free" Rewards in India?

Personal Finance
Discover the hidden truth behind your 'free' credit card rewards and learn who really foots the bill for your points and perks in India. This guide breaks down how merchants, cardholders, and even cash payers contribute to the rewards ecosystem through fees and interest.
#Credit Cards#Rewards & Benefits#Myths vs Facts#Financial Literacy#Money Management#India

CardsWala Crew

September 11, 2025

A smartphone screen showing an OTP message with a warning symbol, illustrating the dangers of the credit card OTP phone scam.

Don't Fall Victim: The Credit Card OTP Phone Scam Explained

Cards
Learn how the dangerous credit card OTP phone scam works, where fraudsters impersonate bank officials to steal your money. This essential guide explains their tactics, provides the golden rule for OTP security, and tells you exactly what to do if you become a victim.
#Fraud Protection#Credit Cards#Financial Literacy#Myths vs Facts#Money Management#India

CardsWala Crew

September 10, 2025

An AU Bank credit card next to an income tax form and an Amazon gift voucher, illustrating the reward offer.

Don't Just Pay Your Taxes, Get Rewarded for It!

Cards
Earn an Amazon voucher of up to ₹500 by simply paying your income tax with an AU Credit Card. This limited-time offer, valid until September 15, 2025, rewards you for completing your tax obligations.
#Credit Cards#Rewards & Benefits#Spending Tips#Money Management#AU Bank#India

CardsWala Crew

September 10, 2025

Logos of major credit card networks like Visa, Mastercard, and RuPay displayed on a background symbolizing global transactions.

Visa, Mastercard, RuPay: What Are Credit Card Networks and How Do They Work?

Cards
Discover what credit card networks like Visa, Mastercard, and RuPay actually do and how they power every transaction in seconds. This guide explains the difference between a card network and your bank (the issuer) and why it matters for acceptance, security, and benefits.
#Credit Cards#Payment Methods#Financial Literacy#Beginner's Guide#Myths vs Facts#India

CardsWala Crew

September 9, 2025

A price tag showing 'No-Cost EMI' with a magnifying glass revealing hidden fees and asterisks, explaining the truth about the offer.

Is No-Cost EMI the Biggest Myth in Shopping? Let's Unpack the Truth.

Money Tips
Discover the truth behind 'No-Cost EMI' offers in India and learn how hidden charges and forfeited discounts can make them more expensive than you think. This guide unpacks how these popular EMI schemes really work and helps you become a smarter shopper.
#Credit Cards#Myths vs Facts#Financial Literacy#Spending Tips#Money Management#India

CardsWala Crew

September 8, 2025

A close-up of the gold EMV chip on a credit card, symbolizing enhanced payment security and fraud protection.

How EMV Chip Technology Made Your Credit Card Safer

Cards
Discover what the EMV chip on your credit and debit card is and how it works to protect you from fraud during in-person transactions. This guide explains the technology that generates a unique code for each purchase, making your payments significantly safer.
#Credit Cards#Debit Cards#Fraud Protection#Financial Literacy#Beginner's Guide#Payment Methods

CardsWala Crew

September 7, 2025

A shopping cart with a plus sign connecting it to several popular Indian credit cards, symbolizing the combined savings from GST 2.0 and card rewards.

Double Your Delight: How to Pair GST 2.0 Savings with India's Most Popular Credit Cards

Money Tips
Discover how the upcoming GST 2.0 reform will lower the prices of everyday goods and learn how to amplify those savings with India's most popular credit cards. This guide shows you how to combine lower taxes with cashback and rewards for a double financial benefit.
#Credit Cards#Rewards & Benefits#Spending Tips#Money Management#Financial Health#India

CardsWala Crew

September 6, 2025

A magnifying glass over a credit card statement, focusing on a Merchant Category Code (MCC) to illustrate how it impacts rewards.

Unlocking More Rewards: The Secret of MCC Codes Explained

Cards
Learn what Merchant Category Codes (MCCs) are and how these hidden four-digit numbers control the cashback and points you earn on credit card transactions. This guide explains how to use MCC knowledge to maximize your rewards and avoid missed opportunities.
#Credit Cards#Rewards & Benefits#Spending Tips#Financial Literacy#Beginner's Guide#India

CardsWala Crew

September 5, 2025

A secure padlock icon overlaid on a credit card, symbolizing PCI DSS compliance and payment data protection.

The Ultimate Guide to PCI DSS Compliance for 2025

Banking
Learn what PCI DSS compliance means for your business in 2025 with this comprehensive guide. We break down the 12 essential requirements in plain English and provide a step-by-step plan to help you protect customer data and avoid severe penalties.
#Fraud Protection#Payment Methods#Financial Literacy#Data Security#Beginner's Guide#India

CardsWala Crew

September 5, 2025

A close-up of the black magnetic stripe on the back of a credit card, explaining its function in payment processing.

Ever Wondered Why Cards Have Black Strips? Here's Your Answer

Cards
Discover what the black magnetic stripe (magstripe) on your credit and debit cards is and how it securely stores your data to process transactions. This article explains its importance, common uses, and how to protect it from damage.
#Credit Cards#Debit Cards#Financial Literacy#Beginner's Guide#Payment Methods#Fraud Protection

CardsWala Crew

September 3, 2025

A close-up of a credit card, focusing on the 16-digit number to explain its structure and security features.

Ever Wondered Why Your Credit Card Has 16 Digits? Here's the Answer

Cards
Discover the reason behind the 16-digit number on your credit card, from the issuer identification to the security check digit. This article breaks down the global standard that makes card payments secure and reliable.
#Credit Cards#Financial Literacy#Beginner's Guide#Fraud Protection#Myths vs Facts#India

CardsWala Crew

September 2, 2025

The Flipkart SBI Card displayed with logos of Flipkart, Myntra, and other partner brands, highlighting its shopping and cashback benefits.

Flipkart SBI Card: A New Era of Cashback and Convenience

Cards
Discover the new Flipkart SBI Card, designed for online shoppers with high cashback rates on Flipkart, Myntra, and various lifestyle brands. This post reviews its key features, welcome benefits, fees, and compares it against other popular cards.
#Credit Cards#Rewards & Benefits#Spending Tips#Financial Literacy#Money Management#India

CardsWala Crew

August 29, 2025

Credit card myths and facts illustration

Credit Card Myths Busted: Separating Fact from Fiction

Credit & CIBIL
Credit cards in India are surrounded by myths about CIBIL scores, minimum payments, and safety. Here are the most common myths busted with facts.
#Credit Cards#CIBIL Score#Myths vs Facts#India#Financial Literacy#Credit Utilization

CardsWala Crew

August 16, 2025

Credit score dashboard on a laptop screen with a person reviewing financial documents.

How to Improve Your CIBIL Score – A Complete Guide for Indian Consumers

Credit & CIBIL
Your CIBIL score plays a vital role in loan and credit card approvals. This complete guide for Indian consumers covers practical steps to improve your score-from timely payments and credit utilization to checking reports for errors.
#CIBIL Score#Credit Report#Credit Utilization#Timely Payments#India#Building Credit

CardsWala Crew

August 14, 2025

A young person holding a credit card and looking at a laptop, ready to make a purchase.

The Ultimate Guide to Choose Your First Credit Card in India

Credit & CIBIL
Choosing your first credit card in India is key to building your CIBIL score. Prioritize low-fee cards that match your spending, always pay dues on time, and keep utilization low.
#Credit Cards#Beginner's Guide#India#Building Credit#Card Eligibility#Rewards & Benefits

CardsWala Crew

August 11, 2025

A person carefully examining a credit card statement with a pen, highlighting numbers and financial details, symbolizing financial literacy and meticulous review.

How to Read Your Credit Card Statement: A Beginner's Guide

Personal Finance
Unlock financial savvy by mastering your credit card statement. This guide breaks down each section, explains key terms, and offers a checklist to help you manage spending, avoid interest, and protect against fraud in India.
#Credit Cards#Financial Health#Money Management#Interest Charges#Minimum Due#Fraud Protection

CardsWala Crew

August 9, 2025

Magnifying glass examining a credit card statement with various fees highlighted, representing the need to understand charges in India.

7 Common Credit Card Fees in India and How to Avoid Them

Cards
This guide demystifies 7 common credit card fees in India, such as annual fees, interest charges, and foreign transaction fees. Learn actionable strategies to avoid these costs and become a smart, financially savvy credit card user.
#Credit Cards#India#Financial Literacy#Money Management#Interest Charges#Beginner's Guide

CardsWala Crew

August 8, 2025

Credit card in hand, illustrating various reward types like cashback, points, and travel miles for savvy financial management.

A Beginner’s Guide to Credit Card Rewards: Points, Cashback, and Miles

Cards
This guide delves into the world of credit card rewards, explaining cashback, reward points, and air miles, and how Indian consumers can strategically choose and maximize them. Learn to turn everyday spending into tangible benefits while managing your finances responsibly.
#Beginner's Guide#Credit Cards#Rewards & Benefits#Cashback#Reward Points#Air Miles

CardsWala Crew

August 8, 2025

Visual representation of credit utilization ratio on a credit card, indicating its direct impact on CIBIL score and financial trustworthiness.

What is Credit Utilization Ratio and Why Does It Matter for Your CIBIL Score?

Credit & CIBIL
This blog post demystifies the Credit Utilization Ratio (CUR), explaining its calculation and profound impact on your CIBIL score. Learn practical strategies to manage your CUR effectively and build a robust financial profile.
#Credit Utilization#CIBIL Score#Credit Cards#Financial Health#Money Management#India

CardsWala Crew

August 6, 2025