SBI Card

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.

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.

SBI BPCL Octane Credit Card: Is the ₹1,499 Annual Fee Worth It?

The SBI BPCL Octane Credit Card charges ₹1,499/year for 7.25% fuel value back. We calculate the ₹2,359 monthly spend break-even, the ₹10,000 monthly cap, and net annual 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.

DCC on Credit Cards: Why Paying in INR Costs More

Paying in INR on foreign websites triggers a 3% to 7% merchant markup plus a 1% bank fee plus 18% GST. See the real rupee math and why paying in local currency saves money.

Pay Income Tax with Credit Card: Fees and Math

Paying income tax with a credit card triggers a 0.8% to 0.9% gateway fee and up to 1% bank surcharge with zero rewards. See the real rupee math, gateway rates, and bank policies.