File Nº 04 — India Guides
Guides that show the working.
Plain-language guides to credit card rewards, points, and loyalty programs in India — the math spelled out, no marketing copy, and a date on everything we publish.
- 10
- guides on file
Browse by topic
10 of 10 shownThe guide ledger
Fees
Credit Card EMIs, No-Cost EMI and Balance Transfers in India
25 Sept 2026
Fees
Credit Card Fees and Charges in India, and the RBI Rules That Limit Them
25 Sept 2026
Credit building
Credit Scores and Credit Reports in India: How They Work
25 Sept 2026
Credit building
Getting Your First Credit Card in India, Including FD-Backed Cards
25 Sept 2026
Points strategy
How Credit Card Rewards Work in India: Points, Cashback and Miles
25 Sept 2026
Basics
Interest-Free Periods and the Minimum Amount Due on Indian Credit Cards
25 Sept 2026
Basics
RuPay Credit Cards on UPI, and Choosing Your Card Network
25 Sept 2026
Travel
Using an Indian Credit Card Abroad
25 Sept 2026
Card protections
Your Credit Card Rights Under RBI Rules
25 Sept 2026
Questions
Guides, explained plainly
How do I get started with credit card rewards in India?
Start by understanding your spending habits and choosing a card that rewards your top categories. The card ledger lists every India card we hold, with fees and welcome offers where they are on record, so you can compare before you apply.
What is travel hacking?
Travel hacking is the practice of strategically earning and redeeming credit card points and miles to book travel at a fraction of the retail cost. This includes leveraging welcome bonuses, optimizing category spending, and transferring points to airline and hotel partners for outsized value.
Are these guides free?
Yes, all guides on PointsExplained are completely free. PointsExplained has no affiliate partnerships and earns nothing from card issuers. If that changes, any link that can earn a commission will be disclosed before it goes live. Nothing here is pay-to-rank.
How do I know when a guide was last changed?
Every published guide carries its last-updated date. Card offers and program rules move quickly, so confirm anything time-sensitive with the issuer or program directly before you act on it.