Welcome to Spark by Credofly
Learn to win with credit cards in India. Spark gives you insider strategies, ready-to-use templates, and real savings. No fluff, just smart moves.
📂 Explore CategoriesWhat is Spark?
Spark is your go-to place to understand how to use credit cards wisely — from basics to advanced strategies.
Explore Spark Categories
Credit Card Basics
Learn fundamentals, card types, credit scores, approval tips.
Rewards & Redemptions
Points, cashback, air miles, vouchers — redeem smartly.
Fees, Waivers & Charges
Save money by avoiding hidden charges and late fees.
Maximize Card Benefits
Dining, lounge, EMI, multicard usage, and stacking tricks.
Travel, Miles & Loyalty
Fly smarter using miles, redemptions, and travel hacks.
Templates, Tools & Guides
Waiver letters, spend sheets, closure forms, guides.
Top Articles
Popular Reads
📘 Download Free Resources
Smart tools to help you track spends, waive fees, and close cards the right way.
Fee Waiver Email Templates
Send pre-written emails to request annual fee waivers from your bank.
View TemplatesSpend Tracker (Excel)
Download and track your monthly category-wise spends across all cards.
Download SheetClosure Letter Templates
Ready-to-use letters for safe, confirmed credit card closure process.
View LettersCategory Spend Guide
Know which card to use for dining, fuel, online spends, travel, and more.
Read GuideWant access to our complete Spark Toolkit? Join the Loop
🧠 Credit Card Mythbusters & Scam Watch
💳 “More credit cards hurt your score”
Not true. If managed well, more cards can actually improve your credit utilization ratio and boost your score.
💸 “Annual fee cards are never worth it”
Wrong. Some fee-based cards give 10X more benefits via rewards, lounge access, or partner offers.
⚠️ “Never use EMI on credit cards”
EMIs aren’t bad by default. Some give 5–10% instant discounts + 0% interest. The key is repayment discipline.
🚨 Scam Alert: Fake Card Approval Calls
Never share OTPs or card info. Banks never ask these over call. Report fraud at RBI’s CMS portal immediately.
Frequently Asked Questions
Spark is Credofly’s learning platform for everything about credit cards, points, rewards and hacks.
Yes! All articles, tools, and templates are free for users. Some resources may require joining the Circle.
All content is curated by Credofly and its community of passionate card users and experts.
Yes! Join our Circle and reach out if you’d like to share tips, create templates, or write guides.
Start with “Credit Card Basics” or download our free PDF to unlock the smartest hacks.
Spark exists to help every Indian cardholder spend smarter, earn better, and avoid costly mistakes.