After using Scapia for 5 months, I must say it’s the best free travel card to get right now. But the Scapia’s automated internal risk system is brutal. Many applicants with good income and credit profile got rejected. No matter if you have 750+ CIBIL score, zero defaults, and a stable income, your application can … Read more
Axis Atlas is gone. Horizon is what you get now — but is it any good? Most reviews recite the reward rate and call it a day. They skip the harder questions: Is the ₹3,000 fee justified? Are the EDGE Miles transfer partners still worth chasing? And does Horizon actually hold its own in 2026? … Read more
Scapia credit card has been one of the most talked-about lifetime free travel cards in India — and for good reason. Zero joining fee, zero forex markup, and rewards that actually add up. But after the February 2026 changes, a lot of people are asking: is it still worth it? I added Scapia to my … Read more
The SBI SimplyCLICK is one of India’s most searched entry-level credit cards — and for good reason. ₹499 fee, 2.5% return on everyday brands, and a fee waiver that’s actually achievable. I’ve held this card for 6 years across 20+ credit cards — and I still carry it in my wallet today. Here’s an honest … Read more
The SBI Cashback Card set the gold standard for cashback in India. But after the April 1, 2026 devaluation, many are asking: Is it dead? The short answer is No. I hold 20+ credit cards to date, but it remains my go-to card for everyday expenses. I’ve have earned ₹77,000+ in cashback to date. In … Read more