Cards & Loans
Best credit cards, cheapest personal loans, education loans, credit-score repair and debt help.
Work out your number first
All calculatorsMost opened
What's That Daily Habit Costing You?
Coffee, Swiggy, OTT, see what they really cost over 10 years.
Most opened
Subscription Killer
List every auto-debit. See the annual damage you didn't notice.
EMI Calculator
Monthly EMI, total interest, prepayment scenarios.
Credit Card Interest Cost
True rupee cost of revolving a balance.
Latest in Cards & Loans
5 min read · Updated 2026-05-01
Why PaisaExpert exists
Indian personal finance media is split between corporate comparison engines and news headlines. There's no honest, editorially-led friend in the middle. We're building that.
7 min read · Updated 2026-05-01
First credit card in India: how to choose, honestly explained
If this is your first credit card, ignore the rewards. Pick one that builds your credit score, doesn't sting you on fees, and is easy to close.
8 min read · Updated 2026-06-14
How to check your CIBIL score for free in India
You are entitled to one free full credit report a year from each of the four RBI-licensed bureaus. That is four free checks a year, with no app subscription. Here is how.
7 min read · Updated 2026-06-05
The credit card minimum payment trap, in real rupees
Paying only the minimum due feels responsible. It is the most expensive habit in personal finance. Here is what it actually costs, and how to escape it.
7 min read · Updated 2026-05-15
The cheapest way to borrow money in India, compared
Personal loan, credit card EMI, gold loan or overdraft? A plain guide to the cheapest way to borrow in India, with rough rate ranges and how to match the loan to the need.
7 min read · Updated 2026-05-16
When a credit card balance transfer is actually worth it
A balance transfer moves credit card debt to a lower rate for a few months. It saves money only if the interest you avoid beats the transfer fee, and only if you clear the balance in the window and stop spending on the old card. Here is the maths, plus how it compares with a personal loan.
7 min read · Updated 2026-08-26
Repaying an education loan in India, honestly
The moratorium is not free, prepaying is usually right but not always, and Section 80E is the deduction most borrowers never claim.
6 min read · Updated 2026-09-26
How to build a credit score from zero in India
No credit history shows as NH or -1, which is a blank page, not a bad score. The fastest honest ways to start one, how to use them, and how long it takes.
6 min read · Updated 2026-09-26
Buy now pay later in India: what it really costs you
Pay Later is a loan, reported to credit bureaus like any other. When it is genuinely free, what late fees do to the real cost, and how to use it without getting hurt.
Topics we cover in Cards & Loans
Best first credit card
The full guide on Best first credit card is being written. Get it the moment it lands.
Balance transfer
- When a credit card balance transfer is actually worth it →
A balance transfer moves credit card debt to a lower rate for a few months. It saves money only if the interest you avoid beats the transfer fee, and only if you clear the balance in the window and stop spending on the old card. Here is the maths, plus how it compares with a personal loan.
Travel cards
The full guide on Travel cards is being written. Get it the moment it lands.
Personal loans
The full guide on Personal loans is being written. Get it the moment it lands.
Credit score
- First credit card in India: how to choose, honestly explained →
If this is your first credit card, ignore the rewards. Pick one that builds your credit score, doesn't sting you on fees, and is easy to close.
- How to build a credit score from zero in India →
No credit history shows as NH or -1, which is a blank page, not a bad score. The fastest honest ways to start one, how to use them, and how long it takes.
Debt help
The full guide on Debt help is being written. Get it the moment it lands.