Does checking your CIBIL score lower it? Does salary count? Kosh busts 6 credit score myths with ₹ examples, plus RBI's 2026 rule: lenders now update bureaus 4 times a ... Read MoreRead More
No-cost EMI cancels the interest, but GST, processing fees, a skipped full-payment discount and a blocked credit limit can add about 6% to your purchase. See the comic and the ... Read MoreRead More
Your card app says pay just ₹2,000 on a ₹40,000 bill? Paying only the minimum avoids a late fee but not interest of 40%+ a year. Kosh explains. ... Read MoreRead More
Joining fee, fee waiver, reward rate, cashback cap, minimum amount due, credit utilisation: 12 credit card terms explained simply, with examples. ... Read MoreRead More
Spend ₹5,000 a month on food delivery? HSBC Live+, RBL Cookies and Axis Select can give you back up to ₹6,000 a year. Here’s which suits you. ... Read MoreRead More
Koshfin’s free Card Finder ranks credit cards by what you’d actually earn on your own spends, never by commission. Here’s how it works in 3 steps. ... Read MoreRead More
Credit card basics · Updated October 2026 · 7 min read Credit cards are cheap when used well and expensive when used badly. Most of the damage comes from a ... Read MoreRead More
Credit card basics · Updated October 2026 · 6 min read Credit cards pay you back for spending in two main ways: cashback and reward points. Cashback is simple and ... Read MoreRead More
Credit card basics · Updated October 2026 · 5 min read Most credit card fees come down to two charges: the joining fee you pay when you get the card, ... Read MoreRead More
Credit card basics · Updated October 2026 · 6 min read A credit card lets you spend now and pay later, and if you pay the full bill on time, ... Read MoreRead More
