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Guides

One question, one dated answer.

Each guide answers a question people keep asking about Indian credit cards, with every figure taken from the card's catalog record or a cited source, and the verification date on the page.

  1. Fees · 2026-09-19When is the HSBC Live+ annual fee waived?The HSBC Live+ costs ₹999 a year and reverses it after ₹2 lakh of spend in the card's anniversary year. How the reversal works and what counts toward it.
  2. Lounges · 2026-09-18How do you get airport lounge access on ICICI Coral?ICICI Coral gives one domestic lounge visit a quarter for ₹75,000 of spend in the quarter before. Which spends count, and which dates the window runs on.
  3. Caps · 2026-09-17When does the HSBC Live+ card stop paying 10%?HSBC Live+ pays 10% on dining, groceries, shopping and bills up to ₹1,200 a cycle, reached at ₹12,000 of spend. What counts, and what the terms leave open.
  4. Earn · 2026-09-16What does the Amazon Pay ICICI card still earn on?5% on Amazon for Prime members, 1% elsewhere, and a list of categories that stopped earning in 2024 and 2025, including rent, education and utilities.
  5. Earn · 2026-09-15Do IDFC FIRST cards earn points on international spends?When IDFC FIRST Classic, Millennia, Select and Wealth stop paying 10X on international purchases, and what the zero forex markup still covers.
  6. Earn · 2026-09-14What changes from Swiggy HDFC to Swiggy ORNGE or BLCK?The original Swiggy HDFC card against its ORNGE and BLCK versions: the Swiggy rate, the 5% merchant list, the three cycle ceilings, fees and waivers.
  7. Approvals · 2026-09-13What income does the HDFC Regalia Gold card ask for?HDFC asks salaried applicants for ₹1.5 lakh a month, government staff for ₹1 lakh and the self-employed for an ₹18 lakh ITR. What each floor means.
  8. Caps · 2026-09-11When does the Flipkart Axis card stop paying 5%?Flipkart Axis pays 5% on Flipkart up to ₹4,000 of cashback a statement quarter, reached at ₹80,000 of spend. How the quarter runs and what comes after.
  9. Fees · 2026-09-10When is the HDFC Diners Club Black Metal fee waived?The Diners Club Black Metal costs ₹10,000 a year and waives renewal at ₹8 lakh of spend. How that clock runs, and what the waiver spend earns.
  10. Earn · 2026-09-09What does the Scapia Axis credit card earn?The Scapia Axis pays 10 Coins per ₹100 on everyday spend and 20 per ₹100 on app bookings. Five Coins are ₹1, so that is 2% and 4%.
  11. Caps · 2026-09-08Where does the Axis Atlas stop paying 5 EDGE Miles?The Atlas pays 5 EDGE Miles per ₹100 on direct travel until ₹2,00,000 of travel spend in a month, then 2. What counts as travel, and what a mile is worth.
  12. Earn · 2026-09-08What do the HDFC GIGA and BizGrow cards earn?Both pay 2 CashPoints per ₹200 as a base and cap the accelerated tier at 1,500 CashPoints a cycle. GIGA pays 6 per ₹200 there, BizGrow 20.
  13. Caps · 2026-09-08How much can an HDFC PIXEL card pay in a month?Every accelerated tier on PIXEL Play and PIXEL Go stops at 500 CashPoints a month. What that is in spend, and where the 1% tier's larger ceiling sits.
  14. Earn · 2026-09-08How does the HSBC Premier card earn points?What the HSBC Premier pays per ₹100, where its 12X and 6X rates apply, the 18,000-point monthly cap on them, and what a point is worth at each partner.
  15. Points · 2026-09-08What is a Bonvoy point worth on the HDFC Marriott card?The catalog prices a Marriott Bonvoy point at ₹0.45, which turns the card's 8 points per ₹150 into 2.4% and its Free Night Awards into ₹6,750 each.
  16. Caps · 2026-09-08What are the caps on the Swiggy HDFC card's cashback?The Swiggy HDFC pays 10%, 5% and 1%, each with its own ceiling per billing cycle. The three together stop at ₹3,500. What fills them, and what does not.