Blogs, Guides & Updates by Monzy

Last updated on Sep 30, 2026

Yes, your credit card can shrink your home loan. See how FOIR and utilisation work, with a ₹ example and a 3-month cleanup plan.

Last updated on Sep 28, 2026

Canara Bank runs 15 retail credit cards, all with zero joining and annual fees, including four FD-backed secured cards. Compare lounge access, inactivity fees, rewards and the one to pick.

Last updated on Sep 26, 2026

Punjab National Bank runs 20 active retail credit cards, from the free PNB Kiwi UPI card to the LUXURA metal card with unlimited lounge access and zero forex markup. Compare fees, rewards and the one to pick.

Last updated on Sep 29, 2026

Bandhan Bank launched four Mastercard credit cards on 7 September 2026. We checked the fees, reward rates, and interest terms, including a rate gap that most coverage missed.

Last updated on Sep 27, 2026

IndusInd Bank runs 22 active retail credit cards. Check them all here, including cards that are free for life, ones that were devalued, and the one to pick depending on how you spend.

Last updated on Sep 22, 2026

Nothing left to invest by month-end? Flip the order: automate your SIP on salary day instead. Here's the exact mandate setup, fund split, and step-up habit.

Last updated on Sep 29, 2026

GFF 2026 in Mumbai was mostly about agentic AI and UPI rails. This article covers credit cards: RuPay's international expansion, IDFC FIRST's zero-forex move, Mastercard World Select and every card launched.

Last updated on Sep 19, 2026

Amazon Pay and Kotak Mahindra Bank announced a credit card for small business owners at GFF 2026. Nil joining fee, 5% cashback on Amazon Business. But the cap isn't on your spend; it's on your credit limit.

Last updated on Sep 19, 2026

A settled loan drags your CIBIL score down for years, not weeks. Go through this exact recovery process – dispute the report, rebuild with a secured card, and follow the timeline.

Last updated on Sep 18, 2026

Axis Bank and Scapia launched their co-branded travel card on 3 September 2026. Zero fee, zero forex, up to 20% rewards – and a two-card-slot catch.

Last updated on Sep 29, 2026

IDFC FIRST Bank cut forex markup to zero on every credit card from 9 September 2026, announced at GFF 2026. The trade-off: most cards stop earning points on foreign spends from 26 October. Here's the maths.

Last updated on Sep 11, 2026

iPhone 18 Pro starts at ₹1,64,900. Here's the real cost of buying it on your credit card – EMI math, the GST catch, and one clear call.