Credofly Journal
Guides, explainers, analysis and updates across credit cards, rewards, loyalty, travel and the wider card ecosystem.
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Scapia has added Axis Bank as its third banking partner. The core proposition remains familiar — zero annual fee, zero forex markup, travel rewards and domestic airport privileges — but the new partnership gives Scapia another route to reach cardholders across India. Axis Bank and Scapia launched the Scapia Axis Bank Credit Card on 3 […]
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Your credit card bill payments may be reported to the Income Tax Department when they cross specified thresholds during a financial year. Here’s how the reporting works, how multiple cards from the same bank are treated, and where you can check the information. Credit cards are increasingly used for everything from everyday purchases to travel, […]
Yes — and in a big way. How you use your credit card directly affects your CIBIL score (and other scores like Experian, Equifax, CRIF). Used smartly, credit cards can build a strong credit history. Misused? They can drop your score by 100+ points. Let’s explore how. 🔑 1. Payment History – Most Important Factor […]
Credit cards offer great rewards, but they can also come with a variety of fees. Some are upfront and obvious. Others? Hidden in fine print. In this guide, we break down every common credit card fee in India, so you can avoid surprises and maximize your card’s value. 📌 1. Joining Fee This is a […]
Credit card reward points are loyalty benefits that you earn every time you use your credit card to make a purchase. Think of them as cashback in disguise — just in the form of points that you can later redeem for vouchers, flights, statement credit, and more. These points are a core part of how […]
HDFC GyFTR is a platform by HDFC Bank in collaboration with Vouchagram India Private Limited (GyFTR), aimed at rewarding HDFC Bank credit card users with gift vouchers from a wide array of brands. It’s particularly useful for redeeming rewards, utilizing promotional offers, or directly purchasing vouchers with additional benefits like cashback or reward points. Here’s […]
HDFC SmartBuy is a rewards platform by HDFC Bank aimed at enhancing the value customers get from their HDFC credit cards. It’s designed to offer accelerated rewards, exclusive deals, and a convenient way to book travel and purchase vouchers. Here’s an overview: Key Features: How It Works: Benefits by Card Type: Considerations: Maximizing SmartBuy: HDFC […]
HDFC Bank’s rewards system is designed to offer value to its credit card users through a variety of rewards points, cashback, and exclusive benefits across its diverse range of credit cards. Here’s an overview of how the rewards system works: General Structure: HDFC Bank primarily uses two types of rewards mechanisms: Earning Rewards: Redemption of […]
Here’s an overview of the Taj Hotels Loyalty Program, which includes several programs under the umbrella of Taj InnerCircle and NeuPass: Overview: Taj Hotels, part of the Indian Hotels Company Limited (IHCL), offers loyalty programs designed to reward guests for their stays, dining, and other experiences across their portfolio of luxury hotels, resorts, and palaces. […]
Here’s an overview of the Club ITC loyalty program by ITC Hotels, which is designed to reward frequent guests with a range of benefits across ITC’s various hotel brands: Overview: Club ITC is one of India’s leading hotel loyalty programs, known for its simplicity, flexibility, and the value it provides to members. It rewards guests […]
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Scapia has added Axis Bank as its third banking partner. The core proposition remains familiar — zero annual fee, zero forex markup, travel rewards and domestic airport privileges — but the new partnership gives Scapia another route to reach cardholders across India. Axis Bank and Scapia launched the Scapia Axis Bank Credit Card on 3 […]
Here’s a comparison between the HDFC Diners Club Black Metal Credit Card and the HDFC Infinia Credit Card, focusing on their features, benefits, and how they might suit different user profiles: Overview: Eligibility: Annual Fee: Rewards Program: Travel Benefits: Welcome & Milestone Benefits: Insurance: Other Perks: User Profiles: Conclusion: Both cards offer luxurious travel and […]
Here’s an overview of the Club ITC loyalty program by ITC Hotels, which is designed to reward frequent guests with a range of benefits across ITC’s various hotel brands: Overview: Club ITC is one of India’s leading hotel loyalty programs, known for its simplicity, flexibility, and the value it provides to members. It rewards guests […]
Here’s an overview of the Taj Hotels Loyalty Program, which includes several programs under the umbrella of Taj InnerCircle and NeuPass: Overview: Taj Hotels, part of the Indian Hotels Company Limited (IHCL), offers loyalty programs designed to reward guests for their stays, dining, and other experiences across their portfolio of luxury hotels, resorts, and palaces. […]
Your credit card bill payments may be reported to the Income Tax Department when they cross specified thresholds during a financial year. Here’s how the reporting works, how multiple cards from the same bank are treated, and where you can check the information. Credit cards are increasingly used for everything from everyday purchases to travel, […]
HDFC GyFTR is a platform by HDFC Bank in collaboration with Vouchagram India Private Limited (GyFTR), aimed at rewarding HDFC Bank credit card users with gift vouchers from a wide array of brands. It’s particularly useful for redeeming rewards, utilizing promotional offers, or directly purchasing vouchers with additional benefits like cashback or reward points. Here’s […]
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