PaisaCompass explains Indian credit cards, credit scores, bank accounts and loans in plain English, with the fees, traps and total cost worked out in rupees. We don't give investment advice or stock tips.
Fees, interest and charges worked through in rupees, with clearly labelled examples.
Banks can't buy a recommendation. Our guides don't push any bank or card.
We check rules against sources such as RBI and DICGC, and date anything likely to change.
Plain-English advice written for Indian homes, budgets and weather.
Credit Cards How card lounge access works at Indian airports: spend conditions, visit limits, guest rules, and how to check you qualify before you reach the lounge door.
Credit Cards Keep, negotiate or close? How annual fee waivers usually work in India, how to ask your issuer, and what closing a card can do to your utilisation and credit history.
Credit Score No credit history or an NH score? What it means, safer first steps such as FD-backed cards, what add-on cards won't do, and loan traps to avoid.
Credit Cards A line-by-line guide to credit card fees in India: annual, late, cash, forex and over-limit charges, how GST applies, what RBI rules say, and how to dispute a charge.
Bank Accounts How DICGC's ₹5 lakh bank deposit insurance works in India: what counts, how joint accounts are treated, what isn't covered and how payouts usually work.
Credit Cards Spotted a card transaction you didn't make? Block the card, call 1930, report on cybercrime.gov.in, complain to your bank in writing, then use the RBI Ombudsman route.
No-cost EMI offers can save money, or cost more than you think. Learn how to check them first.
Every guide goes through the same steps. No brand can pay to be ranked.
We check rules against regulators and other official sources wherever we can.
We turn rates and charges into rupees, using simple examples labelled as illustrations.
We explain the fees, exclusions and habits that cost borrowers most.
We aren't financial advisers, and rules change, so always check the latest terms with your bank.
Rule changes and plain-English explainers. No spam.
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