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The Reserve Bank of India has quietly but firmly tightened the credit reporting framework once again. This time, the focus is on Asset Reconstruction Companies (ARCs) - entities that deal with stressed, written-off, or acquired loan accounts. On December 4, 2025, RBI issued the Reserve Bank of...

Credit cards in India are gaining popularity at a rapid pace. Premium customers are no longer satisfied with just cashback or a decent reward rate; they want lifestyle privileges, global travel access, and exclusive experiences. The challenge is finding a product that strikes the right balance...

A few days ago, one of our TechnoFino Community members found and shared an internal document suggesting that HDFC Bank may require Infinia credit card holders to spend ₹18 lakh per year to keep the card active. Failing to meet this spending threshold could potentially lead to card cancellation...

Over the last few years, a clear trend has emerged in the Indian credit card space. Almost all major banks have started charging extra for essential, low-margin categories- rent, fuel, utilities, education, and government-related payments. These spends generate limited profitability for banks...

For a long time, the TechnoFino Community expected that HDFC Infinia would eventually face some level of devaluation, most likely around 2026. That assumption was based on history, lifecycle patterns of premium cards, and how banks usually behave. But what has surfaced now is far more serious...

Hey TFCians, ICICI Bank has officially announced multiple changes across almost its entire credit card portfolio. This is not a single hit - it’s a layered devaluation impacting rewards, benefits, fees, and overall usage freedom. ICICI Bank credit cards were already weak when it came to...

A few days ago, a TechnoFino Community member reached out to me and urgently requested a call. He said, “Sir, this might turn into a police case. I don’t know what to do… I’m young, please help.” I gave him time and listened to his full story. Let me share it with all of you - because this can...

Traditionally, Indian consumers never relied much on credit cards. Cash was king, debit cards were comfortable, and now UPI dominates everyday payments. Most people felt that credit cards were only for emergencies, big purchases, or for those with high incomes. But times have changed fast. The...

The RBI has directed partner banks to stop issuing OneCard credit cards to new applicants until further notice. Why? The RBI is examining data-sharing practices between OneCard and its partner banks. As per the latest co-branded credit card regulations, the co-branding partner is not allowed to...

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AU Small Finance Bank has announced major changes to the Zenith Credit Card, effective 1st January 2026. Below is a clear summary of all the revised benefits and earn-rate changes. 🔄 Reward Points Structure (Effective 1st Jan 2026): CategoryCurrent RP / ₹100W.E.F. 1 Jan 2026 Base Reward...

Hey TFcians, Did you know you can get a super-premium credit card from a bank even without submitting any income proof? Yes, you read that right. Most people think income documents are mandatory for premium cards, but that’s not always true. Banks often extend pre-approved credit cards where...

Another Glitch: (It is not the "Big Beautiful Glitch", which I posted on my profile... This is a different one - I’ll be posting the details in mid-December 2025.) Sent some money from one account to another using NEFT. The amount was credited to the receiving account, but it never got debited...

Did you know? Wikipedia has quoted TechnoFino and even used one of our articles as a reference. When platforms like Wikipedia rely on your content, it reflects one thing - TechnoFino stands for reliability, authenticity, and trusted insights in the world of credit cards and banking.

Recently, many banks have been actively launching new premium credit cards, along with airmiles and hotel-points transfer programs. Standard Chartered has joined the list with their new Standard Chartered Beyond Credit Card. Although this card does not support airmiles/hotel loyalty transfer...

It’s that time of the year again! 🎉 Every year, before we publish our Best Credit Cards of the Year article, we open the floor to the community — because your insights ensure we don’t miss any hidden gems… or any disasters. 😄 So let’s hear it from you all! Make sure you post why do you think...

BOB Card is running a fantastic offer valid till 31st December 2025. During this period, the card is being issued lifetime free to everyone who applies - meaning no joining fee and no annual fee. The BOB Eterna Credit Card is one of the best credit cards available in India for several strong...

Recently all FASTag users were asked to complete KYV (Know Your Vehicle) verification. Just like we do KYC for bank accounts, now we have to complete KYV for our FASTag. Fair enough. No issues with the requirement. They asked for: 1. Car front photo showing the number plate 2. Side profile...

RBL Bank launched 4 brand-new credit cards, and the lineup looks seriously interesting. Here’s the quick breakdown 👇 🟣 LUMIÈRE Credit Card RBL’s new top-of-the-line luxury card. Invite Only | ₹50,000 annual fee This one is clearly positioned to compete in the ultra-premium segment. Let’s see...

When do you usually spend the most? Let’s be honest - for most of us, weekends are when the real spending happens. After five long days of work, meetings, and deadlines, we finally get time to relax, hang out with friends, go shopping, dine out, or catch a movie. Naturally, our cards come out...