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The interest-free period is one of the most useful features of a credit card, especially when used smartly. In India, most banks offer an interest-free period of up to 45 to 50 days on credit card purchases. This means you can buy something today and delay the payment without paying any interest, as long as you clear your full bill on time. However, the number of interest-free days you get depends on when you make the purchase. For example, if your billing cycle runs from the 1st to the 30th of each month, and your payment is due on the 20th of the next month, a purchase made on the 2nd will give you around 48 days of interest-free credit. But if you shop on the 28th, you may get only 22 days. To make the most of this feature, it is important to understand your billing cycle, payment due dates, and the timing of your purchases. These simple details can help you avoid interest charges and manage your monthly expenses better. Understand Your Billing Cycle ...

Accepting credit card payments is no longer optional for most small businesses. Whether you're running a local bakery, an online store, or a freelance service, giving customers the option to pay with a card is simply expected. But despite how common credit card payments have become, many small business owners still believe in outdated myths that prevent them from offering this convenience. In this blog post, we'll break down the most common credit card payment myths—and explain why it's time to leave them behind. Myth 1: Credit Card Fees Will Destroy Your Profits One of the biggest concerns small business owners have is the cost of accepting card payments. Yes, there are processing fees, usually ranging from 1.5% to 3.5%, depending on your provider. But the idea that these fees will wipe out your profits is a myth. In reality, accepting cards can increase your revenue. Many customers spend more when using cards compared to cash. Plu...

When we talk about credit cards in India, most people look at rewards, cashback, or joining bonuses. But one important thing that many people ignore is the credit limit . It may seem like just a number, but your credit limit affects many parts of your financial life, including your credit score, loan eligibility, and even your day-to-day spending flexibility. Let’s understand how. What Is a Credit Limit? A credit limit is the maximum amount that your credit card company allows you to spend. For example, if your credit limit is ₹80,000, that means you can spend up to ₹80,000 on that card. You don’t need to use the full limit. You can spend less and repay it as per your billing cycle. Once you repay the amount, your available limit is restored. This is called revolving credit . How Banks in India Set Your Credit Limit In India, banks and card issuers like SBI Card, HDFC Bank, ICICI Bank, Axis Bank and others decide your credit limit based on a few key...

Paying your credit card bills on time every month is important. But with so many things happening in life—school, work, or other bills—it’s easy to forget a due date. That’s why many people use AutoPay to make things easier. AutoPay means your credit card payment will be made automatically from your bank account on the due date. Sounds helpful, right? It is—but it’s not perfect. In this blog, we’ll explain what AutoPay is, its advantages , its disadvantages , and how you can use it wisely . What is AutoPay? AutoPay is a feature offered by most credit card companies. It lets you automatically pay your credit card bill from your bank account. You can choose how much to pay each month: The full statement balance The minimum due A fixed amount (you choose the number) You just set it once, and your payments are made every month without needing to log in and do it manually. Why People Like AutoPay (The Pros) 1. No More Late Payments A...

If you’ve ever missed a credit card payment or are worried you might, you’re definitely not alone. Life gets busy, and it’s easy to forget a due date. But when it comes to credit cards, even one late payment can lead to some serious consequences. Let’s take a closer look at what really happens if you delay your credit card payment — and what you can do to fix it. 1. Late Payment Fees Start Adding Up The first thing you’ll probably notice if you miss your credit card due date is a late payment fee. Most banks charge a fee as soon as you miss the deadline. This amount can vary depending on your credit card and the amount you owe, but it’s usually between ₹500 to ₹1,300. Some banks might not charge a fee the first time, especially if you’ve always paid on time before. But this isn’t guaranteed, and it’s not something you should rely on. If you're more than a few days late, the fee is almost certain. 2. You Lose the Interest-Free Period Most cred...

Want to save money every month without changing your lifestyle too much? One easy way is to use a RuPay credit card. These cards are made in India and offer many helpful features that help you spend smarter and save more. In this blog, let’s go step-by-step and look at 10 simple but powerful benefits of using a RuPay credit card. 1. No Joining Fee on Many Cards Some RuPay credit cards don’t charge you any joining fee. That means you don’t have to pay anything to start using the card. Also, many of them don’t have an annual fee either. So, you can save money just by choosing a card that doesn’t charge you to keep it. 2. Use Credit Card for UPI Payments Here’s something cool: RuPay is the only credit card that you can link with UPI apps like Google Pay, PhonePe, Paytm, etc. So, when you pay through UPI, the money comes from your RuPay credit card instead of your bank account. The best part? You still get cashback or points for UPI payments! This is ...

Credit cards are super handy when you’re short on cash, but if you can't pay your full bill on time, things can get tricky. That’s when banks or card companies offer you an option: convert your dues into EMIs (monthly installments) . But is it really a good idea.                                 Let’s explore this in a simple way. What Does “Converting to EMI” Actually Mean? When you swipe your credit card and later realize that paying the full bill is hard, your bank may allow you to split that amount into smaller parts. These are called EMIs (Equated Monthly Installments) . You pay one fixed amount every month, instead of the full bill at once. This option is helpful if you don’t want to pay high interest on pending dues. But it’s not free. You usually pay some interest on these EMIs and sometimes a one-time processing fee too. Why People Choose the EMI Option Let’s say your bill is ...

Looking for the best credit cards in India in 2025? You're not the only one. As more people switch to digital payments, credit cards are becoming a smarter way to spend, save, and enjoy special deals. We’ve put together an easy list of the top credit cards for cashback, travel, rewards, and beginners. Whether you’re a student, professional, frequent traveler, or online shopper, there’s something here for you. 👉 Check out the full list on RatingOK.com . Let me know if you'd like it in a different format or for a specific platform. 1. HDFC Regalia Gold Credit Card – Best for Premium Lifestyle and Travel Annual Fee : ₹2,500 (waived if you spend ₹3,00,000 or more in a year) Eligibility : Monthly income of ₹70,000+ (for salaried), ITR of ₹8–9 lakh (for self-employed) Key Features: Earn 4 reward points for every ₹150 spent Complimentary access to over 1,000 airport lounges worldwide through Priority Pass and domestic lounges Dining discounts throug...

Choosing the right credit card is more than just picking the one with the best rewards or the flashiest offers. It’s about understanding how you spend your money and finding a card that matches your everyday habits. When your credit card rewards line up with your spending, you get more value, save money, and enjoy perks that really matter to you. In this blog, we’ll walk you through different types of credit cards and how to pick the best one based on your spending style. visit RatingOK.com .                                 Why Your Spending Habits Matter Not all credit cards are created equal. Some give rewards for travel, others give cashback on groceries or fuel. If you pick a card that doesn’t fit your spending habits, you could miss out on valuable rewards. Start by asking yourself these questions: Where do I spend most of my money? Do I pay off my credit car...