Spendzie Blog

• Credit card reward leak in India: how much are you losing?
• Best credit card by spend category in India (2026)
• When should you refinance a personal loan in India?
• Track expenses from bank SMS — without manual entry
• Personal finance basics for Indian households (2026)
• Personal loan eligibility in India: income, CIBIL & documents
• Business loans for self-employed & MSMEs in India
• Credit card interest & minimum due: the real cost
• When to refinance: home loan balance transfer vs personal loan
• Budgeting guide for India: 50/30/20 with real rupee examples
• How much emergency fund do you need in India?
• How to improve your CIBIL score before applying for credit
• Debt snowball vs avalanche: which payoff method fits India
• UPI vs credit card: when each is smarter for daily spends