Blogs, Guides & Updates by Monzy

Last updated on Aug 2, 2026

₹50,000 clears every mainstream card floor. HDFC Millennia, Amex SmartEarn and Amazon Pay ICICI — with the honest maths on caps, fees and lounge access.

Last updated on Aug 2, 2026

At ₹30,000 the reward maths finally works. SBI Cashback, Axis ACE and Amazon Pay ICICI compared — plus why HDFC Millennia has to wait for ₹35,000.

Last updated on Aug 2, 2026

₹20,000 a month is where unsecured cards become realistic. SimplyCLICK, Amazon Pay ICICI and the secured fallback, with the maths behind each.

Last updated on Aug 2, 2026

At ₹15,000 a month, most cards are out of reach. Here are the FD-backed cards that approve at any income, the maths, and the 12-month path out.

Last updated on Aug 1, 2026

A foreign card machine asks: rupees or local currency? Picking rupees can cost you 4-8% on every spend. Here is the DCC trap, the maths, and the one-second fix.

Last updated on Jul 31, 2026

Axis Bank revises Magnus for Burgundy terms from 28 August 2026, with identical changes on the standard Magnus. DCC markup rises to 2%, gift cards stop counting towards the ₹30 lakh fee waiver, tolls and FASTag stop earning EDGE Rewards, and Priority Pass no longer works at Indian domestic lounges. Here is the rupee cost of each change.

Last updated on Jul 30, 2026

Axis Bank is revising eight credit cards from 28 August 2026. Here is what actually changes, the DCC-vs-forex confusion cleared up, and who should care.

Last updated on Jul 28, 2026

HSBC has recently issued the full MCC list that shows which MCC codes earn 10% cashback on this card. Good news: Now you can earn more on same spends. Full details inside.

Last updated on Jul 31, 2026

Standard Chartered is moving up to 4.5 lakh Indian credit card accounts to Federal Bank after 31 July 2026. Here is what happens to your credit limit, reward points and dues, and exactly how to get your new Federal Bank card.

Last updated on Jul 22, 2026

Wrong entry on your CIBIL report? Here's how to dispute it free online, the RBI-set 30-day deadline, and the ₹100/day you're owed if they miss it.

Last updated on Aug 2, 2026

Here are the three credit cards that fit ₹25,000 on paper and in practice, the maths behind each, and the two other popular cards worth skipping until your next appraisal.

Last updated on Jul 28, 2026

Minimum age is 18, maximum varies by issuer. Full per-bank age table, senior citizen paths, add-on rules for minors, and age + CIBIL combined logic.