HDFC Bank

Credit Card Overlimit Charges in India: RBI Rules, Fees & Math

Breaching your credit card limit triggers a 2.5% fee (min ₹500 + GST) and dings your CIBIL score. Understand RBI consent rules, bank charges, and how to turn it off.

Swiggy HDFC Credit Card: Is the ₹500 Annual Fee Worth It?

The Swiggy HDFC Card costs ₹500/year for 10% food and 5% online shopping cashback. We calculate the exact break-even spend, ₹1,500 monthly caps, and net returns.

How to Close a Credit Card in India: The Right Way Without Hurting Your CIBIL Score

Closing a credit card the wrong way can cost you ₹5,000 in forfeited rewards, drag your credit-history age down, and dent your CIBIL score by 30–60 points. Here is the bank-by-bank closure workflow, the clawback traps, and the math behind each.

Tata Neu Infinity HDFC Card: Is the ₹1,499 Annual Fee Worth It?

Tata Neu Infinity charges ₹1,499/year for up to 10% NeuCoins on Tata brands and 1.5% on UPI. We calculate the ₹1,475 monthly break-even spend, lounge rules, and net returns.

Best Credit Cards for Grocery Shopping in India: Cashback Compared

Indian households spend ₹8,000–₹15,000 monthly on groceries. We compare SBI SimplySAVE, HSBC Live+, HDFC Millennia, and SBI Cashback to find which card returns the most on supermarket, quick-commerce, and kirana spending.

HDFC Millennia Credit Card: Is the ₹1,000 Annual Fee Worth It?

HDFC Millennia charges ₹1,000/year for 5% cashback on Amazon, Flipkart, and Swiggy. We calculate the exact ₹1,967 monthly spend to break even, how the ₹1,000 cap works, and who should apply.