A flowchart showing how money from merchants (MDR) and cardholder fees flows to the bank to fund credit card reward points.
By CardsWala Crew
September 11, 2025
5 min read
Personal Finance

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

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.
#CreditCards#Rewards&Benefits#MythsvsFacts#FinancialLiteracy#MoneyManagement#India

CardsWala Crew

Credit Card Expert & Financial Writer

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