Guides
Short, computed answers to the questions people actually ask about the credit cards they already hold. Every figure is either produced by Beni's own rewards engine over our India card dataset or quoted from the issuer's own document, and each page says which, with the verification date shown.
- HDFC credit card international transaction charges, card by cardWhat each HDFC credit card charges abroad, from HDFC's September 2026 terms: 2% or 3.5% plus 18% GST, and the 1.75% fee on paying in rupees abroad.
- Why your credit card cashback wasn't creditedSix reasons cashback does not arrive: excluded categories, monthly caps, how the shop is coded, timing, refunds and unmet conditions - in each bank's own words.
- International transaction charges on Indian credit cardsWhat your card costs abroad: markup plus 18% GST, and the rupee cost per ₹1,00,000, for 23 Indian cards. Two cards from one bank often differ.
- Which credit card should you use for online shopping in India?Which of the cards you already hold to use on Amazon, Flipkart, Swiggy and Zomato — the top rate, the typical rate, and what the gap costs per year.
- Zero forex markup credit cards in India — what they actually saveWhich of your Indian cards costs least abroad — markup plus 18% GST, minus rewards, for 23 cards — and why two 2%-markup cards beat the zero-forex ones.
- Is your credit card's annual fee worth it? Break-even for 19 Indian cardsThe annual spend at which each Indian card's rewards cover its fee — ₹23,100 for HSBC Live+ to ₹4,97,900 for Axis Magnus — and which cards waive the fee first.
- HDFC Millennia vs SBI Cashback Card: which should you use?SBI Cashback pays 5% at Millennia's ten brands too, so the ceiling decides: ₹1,000 a month against ₹2,000 a cycle. Fees, exclusions and abroad compared.
- How Beni's card guides are madeWhere every number in Beni's India card guides comes from, what the model cannot see, the corrections applied to the data, and what changed when.
- RuPay credit card on UPI: what it costs you, and what the new 0.4% changesDo you pay extra to use a RuPay credit card on UPI? What the new 0.4% UPI charge means for you, why shops pay more on credit, and five banks' reward rules.
Rates are estimates and change. Beni is not a bank, takes no payment, and never asks for card numbers. No affiliate links appear anywhere on this site.