Charges Decoder 🕵️
Every charge a card can hit you with — what it is, how big the sting is, and the exact habit that makes it ₹0. Ranges are indicative (as of 2026); always verify with your bank’s schedule of charges.
Interest (finance charges)
Charged when you don't pay the full bill. It applies to your entire balance and kills the interest-free period on new purchases.
typically 36–48% / yearLate payment fee
A slab-based fee when payment arrives after the due date — plus a sufficiently late payment is reported to bureaus and dents your credit score.
up to ~₹1,300 per missCash advance charge
Withdrawing cash on a credit card has no interest-free period at all — a fee of around 2.5% plus interest from the moment you withdraw.
~2.5% instantly + interest from day 1Forex markup
Added to every foreign-currency spend — international trips and foreign websites billing from abroad. Typically around 3.5% plus GST.
typically ~3.5% + GST per transactionAnnual / renewal fee
The yearly fee for holding a card — very often waivable at a spend milestone buried in the brochure. Here is how to find and use it.
₹0 – ₹10,000+ depending on cardReward redemption fee
Some banks charge a fee to use the points you earned. It quietly shaves your real reward rate — here is how to minimise it.
often ₹99 + GST per redemption
Every one of these is avoidable with two habits. Read how to pay ₹0 →