Hi, I’m Vibhu Agrawal. Did you know that only about 5% of people in India use credit cards, while in the US this number is over 80%? The biggest reason for this gap is not income, but lack of clear and trustworthy information. Credit cards are often seen as risky or confusing, when used correctly they can be powerful financial tools. I’m here to bridge this information gap by simplifying everything related to Indian credit cards such as cashback, rewards, fees, limits, and smart usage so you can make informed decisions and use credit cards to your advantage, not fear them.