Blogs, Guides & Updates by Monzy

Last updated on Aug 16, 2026

The CIBIL score range runs from 300 to 900, but the bands don't work the way you think. Here's what 600, 650, 700 and 750 actually get you — and where the gains stop.

Last updated on Aug 16, 2026

The minimum CIBIL score for a credit card isn't 750. It's a filter setting, not a law. Here's the real per-issuer threshold, band by band, and what to do below each one.

Last updated on Aug 13, 2026

No CIBIL score and no card? Here's how to break the loop — 3 FD-backed cards that approve new-to-credit applicants, and the 12-month plan to go unsecured.

Last updated on Aug 13, 2026

Still searching for best credit card offers on your favorite brands? Check these latest offers and discounts on flights, hotels, brands, etc.

Last updated on Aug 11, 2026

American Express is cutting the Platinum Travel Card again from 10 September 2026. The ₹1.9L milestone goes to zero, the ₹7L milestone loses 22,500 MR points for a ₹20,000 Taj voucher, and lounge access needs ₹1L quarterly spend from 1 October.

Last updated on Aug 15, 2026

A credit card for NRIs in India starts with an NRO or NRE account – there is no way around it. Here are the three issuers with a working NRI path, the deposit maths behind your credit limit, and why Amex India will not issue to you.

Last updated on Aug 15, 2026

SBI Card and Google Pay launched the Google Pay Flex SBI Card on 29 July 2026. ₹499 + GST fee waived at ₹1 lakh spend, Stars worth up to 1.6% back. We ran the maths on the ₹18,000 rewards claim.

Last updated on Aug 15, 2026

Credit cards for senior citizens in India explained: which banks accept pension as income, the real age caps at SBI, ICICI and IDFC FIRST, and three cards that get approved after 60 with the maths run on a ₹30,000 pension and a ₹2 lakh FD.

Last updated on Aug 13, 2026

Every credit card application leaves a mark. Here's how to check credit card eligibility online first including free CIBIL check, issuer checkers, and the three numbers that actually decide it.

Last updated on Aug 12, 2026

At 18 you can legally hold a credit card in India. The two real routes are an FD-backed card in your name or an add-on on your parent's. Only one shows up on your CIBIL.

Last updated on Aug 15, 2026

Compared the 5 best FD-backed credit cards in India — IDFC FIRST WOW, Kotak 811, ICICI Coral, SBI Unnati, SBM ZET. Real fees, limits and lock-in math.

Last updated on Aug 10, 2026

Axis Bank revises MyZone Credit Card terms from 28 August 2026 and 1 November 2026 as part of a portfolio-wide overhaul. The DCC markup goes from 1.5% to 3.5%, tolls and FASTag stop earning EDGE Reward Points, and the Buy One Get One District movie offer now needs ₹25,000 of spend in the preceding three months. Here is what each change costs you in rupees.