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200+ expert guides on credit cards, loans, insurance, and investing in India. Written by the OnePaisa editorial team.

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Credit Cards1 min
Credit Card Against FD — How Fixed-Deposit Cards Work
Secured credit cards in India 2026 — issuers, FD requirements, limit calculation, CIBIL impact, and the path to upgrading to an unsecured card.
By Sandhya Rani Chowdary · 24 May 2026
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Credit Cards1 min
CIBIL vs Experian vs Equifax vs CRIF — India's 4 Credit Bureaus Compared
Why your CIBIL, Experian, and CRIF scores differ — the 4 RBI-licensed bureaus, which lenders use which, and how to read your reports.
By Sandhya Rani Chowdary · 23 May 2026
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Loans1 min
How to Prepay a Personal Loan — Save Lakhs of Interest in 2026
Personal loan prepayment in India 2026 — full vs partial, fixed vs floating rate rules, the foreclosure-fee map, and the timing math that maximises savings.
By Prasanth Agarwal · 22 May 2026
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Credit Cards1 min
Credit Card Cash Advance — The Most Expensive Money in India
Credit card cash advance fees, interest, and CIBIL impact in India 2026 — why ATM withdrawals from a credit card are 60-80% APR and what to do instead.
By Sandhya Rani Chowdary · 21 May 2026
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Loans1 min
Car Loan vs Paying Cash — When Each Makes Sense in 2026
Should you take a car loan or pay cash? The opportunity-cost math, FD vs car-loan rate gap, and three scenarios where each option wins in 2026.
By Prasanth Agarwal · 20 May 2026
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Credit Cards1 min
Tax Benefits on Education Loan — Section 80E Deduction Guide
Section 80E education loan tax deduction in India 2026 — full interest deduction, 8-year window, eligibility, and how it compares to home loan benefits.
By Sandhya Rani Chowdary · 19 May 2026
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Loans1 min
Tax Benefits on Home Loan — Section 80C, 24(b), 80EEA Explained
Home loan tax benefits in India 2026 — Section 80C principal deduction, Section 24(b) interest deduction, Section 80EEA additional benefit. Old vs new regime.
By Prasanth Agarwal · 18 May 2026
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Credit Cards1 min
How to Redeem Credit Card Points — Best Value Per Point
Reward point redemption guide for India 2026 — best ₹/point ratios across HDFC, SBI, Axis, ICICI cards. Avoid the merchandise-catalogue trap.
By Sandhya Rani Chowdary · 17 May 2026
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Credit Cards1 min
Credit Card Balance Transfer in India 2026 — How to Save on Interest
Credit card balance transfer in 2026 — promotional offers from SBI, HDFC, Axis, ICICI; processing fees, interest-free windows, and the prepayment trap.
By Sandhya Rani Chowdary · 16 May 2026
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Credit Cards1 min
Add-On Credit Cards in India — How They Work & When to Get One
Add-on (supplementary) credit cards in India — who can hold them, joint reward earning, the CIBIL implication, and which issuers offer them free.
By Sandhya Rani Chowdary · 15 May 2026
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Money Tips1 min
Credit Utilisation Ratio — Why It's 30% of Your CIBIL Score
Credit utilisation ratio explained — what counts, the 30% rule, the under-10% bonus, and four ways to engineer a lower utilisation without spending less.
By Sandhya Rani Chowdary · 14 May 2026
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Credit Cards1 min
OneCard vs Jupiter vs Slice — Digital Credit Cards 2026
Digital-first credit cards in 2026 — OneCard, Jupiter Edge, Slice (now an SFB), and how they compare to legacy bank cards on rewards, fees, and approval.
By Sandhya Rani Chowdary · 13 May 2026
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