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How a fake call centre defrauded card users on the pretext of increasing credit limits

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A fake call centre allegedly involved in a<a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/buying-property-abroad-using-credit-cards-here-s-why-you-may-attract-ed-scrutiny-281779722786361.html" data-vars-anchor-text="credit card">&nbsp;credit card</a> scam operating from Delhi's Janakpuri area has been busted, leading to five arrests.These scamsters had been operating for the past five months and had been evading police by changing their location every 10 to 15 days, they added.<h2>Increase in credit limit</h2>The issue came to light after a person filed a police complaint saying that he was cheated out of around ₹28,000. This was their modus operandi: they would send an online link to people, telling them that clicking it would increase their credit limit.&nbsp;The man who lost ₹28,000 was also conned with the same method. Based on his complaint, a case was registered. Following this, a team led by Assistant Commissioner of Police (Cyber) Gaurav Phogat raided the call centre in Janakpuri.During the interrogation, the accused admitted that they defrauded victims by offering to increase their<a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/why-banks-reduce-your-credit-card-limit-reasons-explained-281779015681296.html" data-vars-anchor-text="credit card limits">&nbsp;credit card limits</a>.They worked on the instructions of one Rahul and received salaries for their work. They were given customer data, after which they would call people claiming to increase their credit card limits.&nbsp;Following the calls, they used to send fraudulent links to victims and use their credit card details to purchase goods online. These goods were either handed over to Rahul or sold if their value was between ₹5,000 and ₹7,000.The police stated that the call centre was operating in January 2026. After committing fraud, they would shut down operations for a couple of days, then resume them.&nbsp;To avoid detection, they would change their location every 10 to 15 days. After each fraud, they would use fresh customer data.Disclaimer: MintMoney has a tie-up with fintechs for providing credit; you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article only intends to educate and spread awareness about credit needs like loans, credit cards and credit score. MintMoney does not promote or encourage taking credit, as it comes with a set of risks, such as high interest rates, hidden charges, etc. We advise investors to discuss with certified experts before taking any credit. To apply for a credit card, visit <a class="backlink" target="_blank" href="https://www.livemintmoney.com/credit-card?cta_position=L1" data-vars-page-type="story" data-vars-link-type="Manual" rel="dofollow" data-vars-anchor-text="here">here</a>.

The issue came to light after a person filed a police complaint saying that he was cheated of around ₹28,000. The fraudsters used to send an online link, telling victims that clicking on that link would lead to increase in their credit limit.

Paying full price for movies? Your credit card could change that

(ANI) A decent evening at a multiplex in India can set you back quite a bit. Two tickets for a premium screen in any major metro, plus popcorn, cost ₹1,500.What most people do not realise is that their <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/best-travel-cards-for-frequent-travellers-in-2026-top-picks-compared-281779961091128.html" data-vars-anchor-text="credit card">credit card</a> is probably sitting on a reasonably good movie deal, and they are just not using it. Some of these credit card offers are worth planning around, not in a couponing sort of way, but in the sense that you could be halving your ticket cost once a month, every month, just by booking through the right channel with the right card.Let's look at what types of movie offers are available on <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/total-number-of-credit-cards-hit-over-118-million-in-march-2026-shows-rbi-data-281777631894672.html" data-vars-anchor-text="credit cards">credit cards</a> and check out one of the best <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/idfc-first-credit-cards-devalued-reward-system-movie-benefits-affected-check-the-changes-announced-281778587146150.html" data-vars-anchor-text="movie credit cards">movie credit cards</a> in the market.

<h2>Different types of movie offers</h2><h3>Buy one, get one offers</h3>Buy 1 get 1, usually written as BOGO, is the most straightforward of the lot. You purchase one ticket, and a second ticket of equal or lesser value is added to your order at no additional charge.<h3>Flat discounts and percentage offs</h3>Some cards offer a fixed rupee discount or a percentage reduction on ticket purchases, often through aggregator platforms.<h3>Cashback on entertainment spends</h3>Cards with a dedicated entertainment category earn accelerated cashback or reward points on movie ticket purchases. This does not reduce the price at checkout, but the<a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/first-credit-card-popular-cashback-and-rewards-cards-for-beginners-in-2026-281767781747718.html" data-vars-anchor-text="cashback">cashback</a> credited over time effectively lowers your aggregate ticket spending.<h3>Complimentary tickets</h3>A smaller number of premium cards bundle a fixed allocation of free or heavily subsidised movie tickets into the annual benefits package. These are typically tied to milestone spending thresholds or annual fee tiers.<h2>The broader cashback structure</h2>The BOGO is the headline benefit for moviegoers, but the cashback card's rewards structure also covers everyday spending. The card earns 5% cashback on online food delivery, groceries, and entertainment, 3% on fuel, with an additional 1% surcharge waiver on transactions between ₹500 and ₹4,000, and an unlimited 0.5% cashback on all other eligible spends.Accelerated cashback is capped at 750 reward points per billing cycle, with 1 point equivalent to ₹1. Points can be redeemed for cashback through the Kotak Rewards Platform.

Getting the most out of credit card movie benefits requires a small amount of planning:Book directly through the cinema's platform: Most BOGO and discount offers are available exclusively on the cinema chain's own website or app, not on third-party aggregators. Always check the applicable platform before booking.Use the correct card at checkout: If you have multiple cards with entertainment benefits, compare the effective savings before applying. A BOGO offer with a ₹250 cap is more valuable for a ₹200 ticket than a 15% discount.Track your monthly usage: Most BOGO offers are limited to once per card per month. Keeping track ensures you do not miss the benefit window.Check the offer section on your card's product page: Banks regularly update offers. It is worth reviewing the dedicated offers or benefits page of your card issuer before every booking.Account for convenience fees: Most offers apply to the base ticket price, not the total including convenience or booking fees. Factor this into your comparison.Disclaimer: MintMoney has a tie-up with fintechs for providing credit; you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article only intends to educate and spread awareness about credit needs like loans, credit cards and credit score. MintMoney does not promote or encourage taking credit, as it comes with a set of risks, such as high interest rates, hidden charges, etc. We advise investors to discuss with certified experts before taking any credit.To apply for credit cards, visit <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/credit-card?cta_position=L1" data-vars-anchor-text="here">here</a>

Buy one, get one (BOGO) is the most straightforward movie offer. You buy one ticket, and the second one is yours at no additional charge. 

Buy one, get one (BOGO) is the most straightforward movie offer. You buy one ticket, and the second one is yours at no additional charge.&nbsp;

IndusInd Tiger Credit Card provides free airport lounge with zero spend requirement. Check details

Much to the chagrin of credit card users, several lenders have recently introduced spend limits on airport lounge access. HDFC Bank and ICICI Bank, for example, revised their lounge access rules by linking them to spend limits in the preceding quarter. Some cards, including <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/money/pnb-to-discontinue-airport-lounge-access-for-rupay-platinum-debit-cardholders-281770365301545.html" data-vars-anchor-text="debit cards">debit cards</a>, have discontinued airport lounge access completely.On a number of ICICI Bank<a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/best-travel-cards-for-frequent-travellers-in-2026-top-picks-compared-281779961091128.html" data-vars-anchor-text="credit cards"> credit cards</a>, users are expected to spend at least ₹35,000 in the preceding quarter to claim airport lounge access.Meanwhile, the IndusInd Tiger Credit card is one such lifetime travel card which still offers lounge access without any spend criteria. It also supports 1:1 transfer to the Air India Maharaja Club. For the unversed, <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/how-to-convert-credit-card-reward-points-into-air-india-maharaja-club-points-281778231514590.html" data-vars-anchor-text="Maharaja Club">Maharaja Club</a> is a frequent flyer programme that offers privileges and benefits. Flyers are entitled to earn Maharaja points each time they fly. Later, they can redeem these points for Award flights and cabin upgrades.Back to the IndusInd Tiger Credit card. The first 30 approved applicants in June are entitled to receive a ₹500 Amazon voucher in June.

<h2>Key features of IndusInd Tiger Credit Card</h2>These are some of the key characteristics of this credit card:1. There is no joining/ annual fee.2. There would be two domestic lounge visits per quarter.3. Additionally, the cardholders are entitled to two international lounge visits per year via Priority Pass.4. The card provides one <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/idfc-first-credit-cards-devalued-reward-system-movie-benefits-affected-check-the-changes-announced-281778587146150.html" data-vars-anchor-text="free movie ticket">free movie ticket</a> on BookMyShow worth ₹500 every 6 months.5. There will be one complimentary golf game/lesson per quarter.6. You can earn up to 6 accelerated reward points for every ₹100. Additionally, there is a 1.50% discount on the forex markup fee.This is considered perfect for beginners looking to start with airport lounge access without paying any annual fees.Disclaimer: MintMoney has a tie-up with fintechs for providing credit; you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article only intends to educate and spread awareness about credit needs like loans, credit cards and credit score. MintMoney does not promote or encourage taking credit, as it comes with a set of risks, such as high interest rates, hidden charges, etc. We advise investors to discuss with certified experts before taking any credit.To apply for credit cards, visit <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/credit-card?cta_position=L1" data-vars-anchor-text="here">here</a>

IndusInd Tiger Credit card is a lifetime travel card that still offers lounge access without any spend criteria. It also supports 1:1 transfer to Air India Maharaja Club

HSBC credit card holders can earn up to 6 times reward points on Apple purchases

Apart from offering a 45-day interest-free period, credit cards often offer tempting offers and discounts to cardholders from time to time. Currently, the HSBC credit card is offering accelerated reward points for purchases of Apple products.&nbsp;&nbsp;This means that if you are an HSBC<a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/credit-score/credit-builder" data-vars-anchor-text="credit card"> credit card</a> holder and buy an iPhone, MacBook, iPad, or other selected Apple accessories, you can make the most of the ongoing limited-period offer.This is not a typical cashback or discount offer, as you stand to earn accelerated reward points.Here we discuss who is eligible for this offer, how many<a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/sbi-phonepe-purple-vs-hdfc-phonepe-uno-credit-card-which-one-is-better-for-you-based-on-reward-points-281778746348636.html" data-vars-anchor-text="reward points">&nbsp;reward points</a> you can earn, and the maximum benefits you can receive.<h2>HSBC credit card offer</h2>HSBC has joined Unicorn, through which cardholders can buy select Apple products and can earn up to 6 times the usual reward points.But you must remember that you cannot buy from a random physical store or the Apple website. The purchase must be made through the HSBC Unicorn portal to earn accelerated reward points.<h2>How to earn points?</h2>To earn points, simply make an eligible purchase with your HSBC c<a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/best-travel-cards-for-frequent-travellers-in-2026-top-picks-compared-281779961091128.html" data-vars-anchor-text="redit card">redit card</a> on the HSBC Unicorn portal. Once the purchase is made, your reward points will be credited to your balance within 45 days.Notably, there is a cap of 20,000 reward points you can earn in a calendar month, and in total, you are entitled to earn 40,000 reward points in the months of June and July. The offer is not applicable to IEMI/EMI transactions.It is believed that the current offer is a great opportunity for those who were considering buying a MacBook or iPhone prior to 31 July 2026.

<figure class="table"><table><tbody><tr><td>Eligible HSBC Credit cards</td><td>Reward points (base + accelerated)</td></tr><tr><td>HSBC Prive&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</td><td>6X (30 points per ₹150)</td></tr><tr><td>HSBC Premier&nbsp;</td><td>6X (18 points per ₹100)</td></tr><tr><td>HSBC Visa Platinum&nbsp;</td><td>5X (10 points per ₹150)</td></tr><tr><td>HSBC RuPay Platinum&nbsp;</td><td>5X (10 point per ₹150)</td></tr></tbody></table></figure>

The products you can buy with this credit card include iPhone, MacBook, iPad, Apple Watch, AirPods, and other accessories.However, it is recommended to check the HSBC credit card for miscellaneous conditions.Disclaimer: MintMoney has a tie-up with fintechs for providing credit; you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article only intends to educate and spread awareness about credit needs like loans, credit cards and credit score. MintMoney does not promote or encourage taking credit, as it comes with a set of risks, such as high interest rates, hidden charges, etc. We advise investors to discuss with certified experts before taking any credit.To apply for credit cards, visit<a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/credit-card?cta_position=L1" data-vars-anchor-text="here">&nbsp;here</a>.&nbsp;

If you are an HSBC credit card holder and happen to buy an iPhone, MacBook, iPad, or other selected Apple accessories on the HSBC Unicorn portal, then you can make the most of the ongoing limited-period offer. 

If you are an HSBC credit card holder and happen to buy an iPhone, MacBook, iPad, or other selected Apple accessories on the HSBC Unicorn portal, then you can make the most of the ongoing limited-period offer.&nbsp;

Govt official lost ₹7.5 lakh chasing a new credit card. Here’s what went wrong

A section officer posted with the Home ministry was conned of around ₹7.5 lakh after fraudsters lured him with the promise of an American Express <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/upi-credit-cards-what-are-the-key-benefits-that-users-stand-to-get-281780303361886.html" data-vars-anchor-text="credit card">credit card</a>.This was the sequence of events: An anonymous person called the officer and offered to get him approval for a credit card. Although he initially refused to apply for it, he relented after being promised a higher credit limit.To follow up on the application, the fraudster asked for the victim's credit card details. Then he sent him two APK files on WhatsApp and asked him to download. He also gave the impression that downloading these files was an important step to complete the application process for a new card.Later, the fraudsters gained access to the victim's mobile phone, so all messages and calls were routed to another mobile phone under their control.Later in the day, the officer discovered that a number of unauthorised transactions had been made using his <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/credit-score/credit-builder" data-vars-anchor-text="credit cards">credit cards</a>. Then he got his card blocked and filed a police complaint.

<h2>Money lessons</h2>These are the money lessons we can learn from this incident.Check the number: Never trust a number different from the 1600 series. TRAI has mandated that all financial institutions must use 1600 for service and transactional calls.Too good to be true: Do not be lured by offers you never wanted in the first place. In this case, the victim did not want a new credit card, but his greed for a higher credit limit led him to accept the ‘offer’.Look for the red flags: Experts often recommend being extra cautious when downloading APK files. When someone sends you an APK file, it is a clear red flag for possible fraud.Browser vs apps: When you apply for a new application, avoid completing the transaction on your mobile phone. The better option is to use a desktop or laptop to complete your application.Set transaction limit: Set transaction limits on your <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/best-travel-cards-for-frequent-travellers-in-2026-top-picks-compared-281779961091128.html" data-vars-anchor-text="credit card">credit card</a> so that even if someone gets access to your card illegitimately is unable to exhaust your entire limit. This can be easily done through NetBanking.Disclaimer: MintMoney has a tie-up with fintechs for providing credit; you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article only intends to educate and spread awareness about credit needs like loans, credit cards and credit score. MintMoney does not promote or encourage taking credit, as it comes with a set of risks, such as high interest rates, hidden charges, etc. We advise investors to discuss with certified experts before taking any credit.To apply for credit cards, visit <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/credit-card?cta_position=L1" data-vars-anchor-text="here">here</a>

It is recommended not to be lured by an offer that you never wanted in the first place. In this case, the victim did not want a new card but his greed to get a higher credit limit tempted him to accept the ‘offer’.

What are the best credit cards for entertainment and lifestyle perks? Check list

Using a credit card is an essential part of everyday spending. Customers tend to use it to avail<a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/credit-card-interest-free-period-explained-5-smart-ways-to-avoid-paying-interest-281773377742438.html" data-vars-anchor-text="a 45-day interest-free period"> a 45-day interest-free period</a>. Besides, most cards offer a range of benefits, such as free movie tickets, gym access, and complimentary <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/stop-paying-at-airports-these-cards-provide-complimentary-lounge-access-281776934997320.html" data-vars-anchor-text="lounge access">lounge access</a>.<h2>Lifestyle credit cards</h2>Here we list out some popular credit cards which give benefits across categories:<h3>I. Movie credit cards</h3>BOB Eterna: This card provides movie offers, including 'buy one get one' when booked through the District app. The maximum discount cap is ₹250.This can also give unlimited domestic lounge access, but you must have spent a minimum of ₹40,000 in the previous month to avail of it.This credit card offers a fitness benefit, including a 1-year fitness pass valued at ₹10,000-15,000. Additionally, there are rewards of up to 3.75% on shopping, travel, dining and international spends.SBM Novio-FD card: This card can be opened against an FD of ₹2,000. There is a buy one get one (BOGO) up to ₹250 off on BookMyShow. This means users can avail of total savings of ₹3,000 for regular moviegoers. There are additional benefits on Amazon, Zepto and Swiggy. You can close the card and get the FD amount back at any time.

<h3>II. Gym credit cards</h3>BOB Eterna card: This is a good card in the gym-goers category as well. It provides a Fitpass membership that gives them access to 2,000 gyms across India, 5 times a week for 1 full year.SBI Pulse: It gives gym access benefits for 12 sessions every month. Its joining fee is 1500. You can save ₹1,000-2,000 per month on a gym membership.RuPay Select variant: This is no specific card. For every 3 months, cardholders can avail one month of gym membership at Cult. There are other benefits, including spa, golf lessons, OTT perks, cab vouchers, health check-ups, and entertainment benefits.

<h3>III. Airport lounge access cards</h3>Possessing a credit card with free access to an airport lounge is a big thing since it is becoming spend-based, and customers now have to spend up to ₹70,000 to unlock these benefits.IndusInd Tiger card:This card provides 8 complimentary visits every year and 2 international lounge accesses every year. There is no joining or annual fee.HSBC Live+: The joining fee is ₹999 plus taxes. The card offers 4 complimentary domestic lounge visits. It also gives 10% cashback on dining, grocery and food delivery spends. When you buy two movie tickets, you get one free ticket.Disclaimer: MintMoney has a tie-up with fintechs for providing credit; you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article only intends to educate and spread awareness about credit needs like loans, credit cards and credit score. MintMoney does not promote or encourage taking credit, as it comes with a set of risks, such as high interest rates, hidden charges, etc. We advise investors to discuss with certified experts before taking any credit.To apply for credit cards, visit <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/credit-card?cta_position=L1" data-vars-anchor-text="here">here</a>

Here we list out credit cards which provide entertainment and lifestyle perks across categories such as movie tickets, gym membership and access to airport lounge 

Here we list out credit cards which provide entertainment and lifestyle perks across categories such as movie tickets, gym membership and access to airport lounge&nbsp;

CBSE students can pay re-evaluation, verification fees through credit cards and UPI

(PTI) The Central Board of Secondary Education (CBSE) on Tuesday opened the online portal for verification of issues observed in scanned copies of answer books and re-evaluation of answers for students dissatisfied with their board exam evaluation.<h2>Credit card for fee payment&nbsp;</h2>The board said the fee for verification of issues observed in supplied scanned copies of answer books is ₹100 per answer book, while re-evaluation of answers will be charged at ₹25 per question.The fee can be paid only through online modes, including<a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/best-travel-cards-for-frequent-travellers-in-2026-top-picks-compared-281779961091128.html" data-vars-anchor-text="credit card">&nbsp;credit card</a> and UPI. debit card and net banking.“Students may submit only one application each for Verification of Issues/Re-evaluation and are therefore advised to decide in advance whether to apply for one or multiple subjects,” the board said.The CBSE said once the 'Freeze and Proceed to payment' button is clicked, the details will be locked and cannot be edited. Hence, students are advised to ensure that all details are correct.The board said applications will be considered successfully submitted only after the online payment is completed.According to the board, the facility is available only to those students who have obtained scanned copies of their evaluated answer books.“The portal for applying for Verification of Issues observed in the supplied scanned copy of the answer book and Re-evaluation of answers has been made live on June 2, 2026. Students can avail the facility of verification of issue(s) observed in the supplied scanned copy of the answer book, if any and re-evaluation of answer(s) if not satisfied with the evaluation,” the CBSE said.The portal will remain open from June 2 to June 6 (midnight), and no offline applications or requests submitted after the deadline will be accepted.<h2>How to apply for re-evaluation?</h2>Students will have to log in through the CBSE website using their Aadhaar number and submit applications online. The board said the entire process, including fee payment, will be conducted digitally.For verification of issues in scanned copies of answer books, students can report concerns such as missing pages, missing supplementary sheets, missing maps or graphs, blurred pages, incorrect answer books or evaluation against a different question paper set."Students are advised to ensure that all requests across subjects are included before final submission," the board said.<h2>Only one application</h2>It also said that only one application each for verification of issues and re-evaluation will be permitted."Students may also apply online for re-evaluation of one or more questions across one or more subjects by providing the required details, including question number, page number, as the case may be," the board said.The CBSE said the outcome of the requests will be communicated after the process is completed and advised candidates to submit their applications within the stipulated timeline.The CBSE also said Aadhaar-based verification has been introduced for security reasons while applying for verification of issues and re-evaluation of answers."For children who do not have Aadhaar, the parents', relatives', or guardians' Aadhaar details may be used," the board said."In this case, the Aadhaar Name, Date of Birth and Gender must be of the person whose Aadhaar number is used," it added.The portal was launched with a delay, after CBSE had earlier said that applications for verification and re-evaluation of answer books were expected to begin by May 29.The development follows concerns raised by some students and parents about the On-Screen Marking (OSM) system. The board has faced criticism from students and parents over technical glitches, payment failures and access-related issues during the verification and re-evaluation process.Disclaimer: MintMoney has a tie-up with fintechs for providing credit; you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article only intends to educate and spread awareness about credit needs like loans, credit cards and credit score. MintMoney does not promote or encourage taking credit, as it comes with a set of risks, such as high interest rates, hidden charges, etc. We advise investors to discuss with certified experts before taking any credit. To apply for credit cards, visit <a class="backlink" target="_blank" href="https://www.livemintmoney.com/credit-card?cta_position=L1" data-vars-page-type="story" data-vars-link-type="Manual" rel="dofollow" data-vars-anchor-text="here">here</a>

The fee can be paid only through online modes including credit card, UPI, debit card and net banking. 

The fee can be paid only through online modes including credit card, UPI, debit card and net banking.&nbsp;

UPI Credit Cards: What are the key benefits that users stand to get?

Most of us prefer to transact digitally, either with debit/credit cards or via UPI. While <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/credit-card-apr-explained-how-apr-works-and-why-it-matters-for-users-281779891975220.html" data-vars-anchor-text="credit card">credit card</a> transactions are still confined to high-value purchases, UPI has become a preferred mode of payment for small and sundry payments.Whether you make a ₹100 payment at an ice cream parlour or a ₹40 transaction for a cuppa, UPI is considered a preferred mode of payment for transactions across sizes and categories. This is evident from the latest NPCI (the body that operates UPI) numbers for May.Unified Payments Interface (<a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/upilinked-credit-card-spends-grew-by-over-10-in-q4-sbi-card-data-281779259165505.html" data-vars-anchor-text="UPI">UPI</a>) transactions in May hit a new high when the total volume touched 29.90 lakh crore, reflecting 19% year-on-year growth in terms of value, NPCI revealed. Meanwhile, the number of transactions grew 24% y-o-y during the same period, reaching a whopping 23.20 billion.In this digital payments ecosystem, UPI-linked credit cards are increasingly playing a role in everyday transactions. Sample this: the SBI Card’s Q4 FY’26 data shows that UPI-linked credit card spending grew by over 10% QoQ.But why are users gravitating towards UPI cards?<h2>How do users benefit from UPI cards?</h2>One key benefit of using UPI via credit cards is that the money is not deducted in real time from the savings bank account. The payment is routed through the credit card instead. This means that all UPI transactions are added to the credit card bill and can be cleared in the next billing cycle.This provides a degree of convenience for users. Moreover, their bank statement is not punctuated by a raft of petty transactions, as all these payments are reflected only in the <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/buying-property-abroad-using-credit-cards-here-s-why-you-may-attract-ed-scrutiny-281779722786361.html" data-vars-anchor-text="credit card">credit card</a> statement.

<h2>What other benefits do users receive?</h2>Users receive a 45-day <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/credit-card-interest-free-period-explained-5-smart-ways-to-avoid-paying-interest-281773377742438.html" data-vars-anchor-text="interest-free period">interest-free period</a> to pay their credit card bill. This gives them significant flexibility and convenience before any late-payment interest kicks in (post-45 days).Additionally, some UPI cards offer reward points (1-3%) to users for these transactions, subject to certain thresholds. Some credit cards that offer rewards points and cashback to cardholders include Axis Bank SuperMoney RuPay Credit Card, Kiwi RuPay Credit Card, HDFC Bank UPI RuPay Credit Card, IDFC First Digital RuPay Credit Card, and Tata Neu RuPay Credit Card.<h2>What is the difference between UPI and a UPI card?</h2>There is only one key difference between a UPI and a UPI credit card. Although the mode of payment is the same, the difference is that UPI payments are routed through a savings bank account, whereas UPI card payments are routed through the card.When you scan the QR code to make a UPI payment, the mobile wallet lets you choose the option (savings account or credit card) through which you want to route the payment.

<h2>Where does it not work?</h2>It is important to note that UPI card payments are made only when the credit card is available in its RuPay variant. And importantly, the card must already be linked to the UPI.Unless it is linked to the UPI app on your smartphone, you won't be able to route transactions through the credit card.Disclaimer: MintMoney has a tie-up with fintechs for providing credit; you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article only intends to educate and spread awareness about credit needs like loans, credit cards and credit score. MintMoney does not promote or encourage taking credit, as it comes with a set of risks, such as high interest rates, hidden charges, etc. We advise investors to discuss with certified experts before taking any credit.To apply for a credit card, visit <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/credit-card?cta_position=L1" data-vars-anchor-text="here">here</a>

When the card users route their UPI payments through a credit card, they typically get 45-day interest-free period to clear their bill. This gives them a great degree of flexibility and convenience before the interest kicks in (post-45 days).

This brokerage firm allows AI agents to trade on your behalf using credit card

(Reuters) Robinhood will allow customers to deploy AI agents to trade stocks on its platform and make purchases on its <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/best-travel-cards-for-frequent-travellers-in-2026-top-picks-compared-281779961091128.html" data-vars-anchor-text="credit card">credit card</a>, the company said on Wednesday. The company said its users will be able to create a dedicated trading account, separate from their primary one, and have their AI agents trade on their behalf.Robinhood said that while the feature is currently only available for equities trading, it expects to expand it to derivatives, crypto and prediction markets.

<h2>Automatic purchases</h2>Users can also give agents access to a virtual Robinhood Gold credit card to make automatic purchases, such as grabbing concert tickets before they sell out or buying products once prices drop below a set threshold.“I think our audience right now is the early adopters of agents,” said Abhishek Fatehpuria, vice president of product management for brokerage at Robinhood.Robinhood executives said they had put enough guardrails in place to address concerns that agents might go rogue. Users can set spending limits on agentic <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/credit-card-apr-explained-how-apr-works-and-why-it-matters-for-users-281779891975220.html" data-vars-anchor-text="credit card">credit card</a> accounts and require manual approval for all purchases.Such controls are becoming a focus as businesses warn that agentic AI adoption is outpacing their ability to monitor it. A Deloitte survey of information technology and business leaders, published in April, said that only 21% of respondents believe that their organisations have a mature governance model in place for agentic AI.

<h2>What are AI agents?</h2>These are digital assistants that go beyond chatbot-style prompt responses by autonomously planning and making their own decisions.Financial technology companies are racing to turn AI agents from experimental assistants into tools capable of carrying out real-world transactions.In 2025, Visa rolled out a new platform to allow users to delegate their online shopping tasks to AI agents.Disclaimer: MintMoney has a tie-up with fintechs for providing credit; you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article only intends to educate and spread awareness about credit needs like loans, credit cards and credit score. MintMoney does not promote or encourage taking credit, as it comes with a set of risks, such as high interest rates, hidden charges, etc. We advise investors to discuss with certified experts before taking any credit.To apply for credit cards, visit <a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/credit-card?cta_position=L1" data-vars-anchor-text="here">here</a>

Robinhood is launching AI-powered agents that can trade stocks and make credit card purchases on behalf of users. To manage risk, these AI agents will operate through separate accounts distinct from users’ primary trading accounts.

PhonePe SBI Select Black Credit Card devalued. Check the changes starting 1 July

SBI Card is set to devalue PhonePe SBI Card rewards starting next month, i.e., 1 July 2026. A number of cappings have been introduced across spending categories, including online, insurance and other expenses. Additionally, a set of exclusions has also been introduced, for which no<a style="text-decoration:none;" target="_blank" href="https://www.livemint.com/money/personal-finance/these-credit-cards-give-tempting-offers-of-cashbacks-reward-points-to-online-shoppers-check-list-here-11761152493487.html" data-vars-anchor-text="reward points">&nbsp;reward points</a> would be issued.<h2>PhonePe SBI Select Black Card Changes</h2>If you use the PhonePe SBI Select Black<a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/personal-finance/credit-cards/flyers-can-now-redeem-air-india-maharaja-points-on-express-flights-too-check-details-281779438421133.html" data-vars-anchor-text="credit card">&nbsp;credit card</a> heavily for PhonePe/online spends, these are the key changes that you should be aware of:1.&nbsp;Reward points capping changes: Earlier, there was a capping of 2,000 reward points per month, but now it has been capped at 500 reward points on insurance and 1500 reward points on other spends.2.&nbsp;Eligible online spends: Earlier, there was a capping of 2,000 reward points per month, and now the cap has been set at 1,000 reward points per month.

<figure class="table"><table><tbody><tr><td>Spend Type&nbsp;</td><td>Existing (Reward Points)&nbsp;</td><td>New (Reward Points)&nbsp;</td></tr><tr><td rowspan="2">Eligible PhonePe spends</td><td rowspan="2">Maximum 2,000</td><td>Maximum 500 on insurance</td></tr><tr><td>Max 1500 on other spends</td></tr><tr><td>Eligible online spends&nbsp;</td><td>Max 2000&nbsp;</td><td>Max 1000&nbsp;</td></tr></tbody></table></figure>

3.&nbsp;Exclusions: Additionally, new reward point exclusions have been added. There would be no reward points on the following spends:i) Tolls and bridgesii) Gifts and souvenirsiii) Jewelleryiv) Educational institutionsv) Utilities (outside PhonePe app)vi) Insurance (outside app)vii) UPI spends outside the PhonePe appviii) These changes will come into force from 1 July 2026.All other benefits and reward points accrual on your PhonePe SBI Credit Card remain unchanged, and it will continue to deliver value as you use it.Disclaimer: MintMoney has a tie-up with fintechs for providing credit; you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article only intends to educate and spread awareness about credit needs like loans, credit cards and credit score. MintMoney does not promote or encourage taking credit, as it comes with a set of risks, such as high interest rates, hidden charges, etc. We advise investors to discuss with certified experts before taking any credit.To apply for credit card, visit<a style="text-decoration:none;" target="_blank" href="https://www.livemintmoney.com/credit-card?cta_position=L1" data-vars-anchor-text="here">&nbsp;here</a>

Earlier there was a capping of 2,000 reward points per month but now it has been capped at 500 reward points on insurance and 1500 reward points on other spends.