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RV

Rohan Varma

Financial Analyst | CFA Charterholder & Banking Operations Specialist

Rohan Varma brings deep domain knowledge in aviation loyalty and hotel partnerships. He tracks spend-based lounge access thresholds, forex markup fees, and milestone benefits across premium credit cards.

Focus Areas

  • • Airport lounge access rules & Priority Pass policies
  • • Zero forex markup card comparisons
  • • Hotel & airline co-branded card benefits

Editorial Principles

  • • Cross-verify issuer lounge access lists against active airport terminal networks.
  • • Expose hidden forex markup, processing fees, and GST impact on international transactions.
  • • Review card terms quarterly to reflect devaluation trends.

Articles & Guides Written (25)

Maximization

GST and Tax Payments with Business Credit Cards

A practical playbook for extracting more value from the same spending without turning your wallet into a full-time tracking project.

Feb 17, 2026Read article
Maximization

Weekend Dining Programs and Instant Offer Stacking

A practical playbook for extracting more value from the same spending without turning your wallet into a full-time tracking project.

Feb 20, 2026Read article
Maximization

Card Devaluation Season: How to React Without Panic

A practical playbook for extracting more value from the same spending without turning your wallet into a full-time tracking project.

Feb 19, 2026Read article
Travel

How to Mix Lounge Access, Priority Lines, and Transfers for a Better Trip

A traveler-first breakdown of where the perk helps, where the rules get restrictive, and when paying directly may be the smarter move.

Feb 16, 2026Read article
Travel

Converting Reward Points to Air Miles Without Wasting Value

A traveler-first breakdown of where the perk helps, where the rules get restrictive, and when paying directly may be the smarter move.

Feb 13, 2026Read article
Strategy

Credit Utilization Across Multiple Cards: Best Allocation Strategy

A clear explanation of the decision points that protect your credit profile, reduce hidden costs, and keep your setup manageable.

Feb 12, 2026Read article
Comparison

No Cost EMI vs. Instant Discount Offers: Which Saves More

A side-by-side breakdown of the trade-offs that matter most: fees, reward quality, redemption effort, and consistency of value.

Feb 11, 2026Read article
Strategy

Chargeback and Dispute Process for Failed Card Transactions

A clear explanation of the decision points that protect your credit profile, reduce hidden costs, and keep your setup manageable.

Feb 9, 2026Read article
Strategy

Hard Enquiries and Credit Card Applications: What Really Hurts

A clear explanation of the decision points that protect your credit profile, reduce hidden costs, and keep your setup manageable.

Feb 8, 2026Read article
Travel

Lounge Guest Access Rules Explained for Indian Cardholders

A traveler-first breakdown of where the perk helps, where the rules get restrictive, and when paying directly may be the smarter move.

Feb 7, 2026Read article
Comparison

Cashback vs. Reward Points Credit Cards: Which Model Wins

A side-by-side breakdown of the trade-offs that matter most: fees, reward quality, redemption effort, and consistency of value.

Feb 7, 2026Read article
Strategy

When Should You Close a Credit Card and When Should You Not

A clear explanation of the decision points that protect your credit profile, reduce hidden costs, and keep your setup manageable.

Feb 6, 2026Read article
Comparison

Axis ACE vs. HSBC Live+ for Bill Payments and Daily Spend

A side-by-side breakdown of the trade-offs that matter most: fees, reward quality, redemption effort, and consistency of value.

Feb 5, 2026Read article
Comparison

ICICI Sapphiro vs. IDFC FIRST Wealth for Everyday Premium Use

A side-by-side breakdown of the trade-offs that matter most: fees, reward quality, redemption effort, and consistency of value.

Feb 4, 2026Read article
Strategy

Premium Card Annual Fee Waiver Math Explained

A clear explanation of the decision points that protect your credit profile, reduce hidden costs, and keep your setup manageable.

Feb 3, 2026Read article
Maximization

Hidden Credit Card Insurance: The Protections That Save You Lakhs

Did your new iPhone get stolen? Did your airline lose your luggage? We dive deep into the hidden YMYL insurance benefits bundled with premium credit cards.

Jan 22, 2026Read article
Comparison

HDFC BizBlack vs. Axis MyBiz: Best Business Credit Cards in India

Founders and freelancers, stop using personal cards for corporate spends! We compare India's top B2B credit cards for maximum SaaS and ad spend rewards.

Jan 19, 2026Read article
Strategy

The Minimum Due Debt Trap: How Credit Card Interest (APR) Actually Works

Paying only the 'Minimum Amount Due' is the fastest way to financial ruin. We break down the brutal mathematics of credit card compounding interest.

Jan 18, 2026Read article
Guides

Best Credit Cards for Family Spending with Add-On Cards

A practical shortlist focused on fees, redemption ease, and the kind of everyday value that actually survives long-term use.

Jan 30, 2026Read article
Guides

Best Credit Cards for Dining Offers in India

A practical shortlist focused on fees, redemption ease, and the kind of everyday value that actually survives long-term use.

Jan 28, 2026Read article
Guides

Best Credit Cards for Beginners with Limited Credit History

A practical shortlist focused on fees, redemption ease, and the kind of everyday value that actually survives long-term use.

Jan 27, 2026Read article
Guides

Best Credit Cards for Online Shopping and Flash Sales

A practical shortlist focused on fees, redemption ease, and the kind of everyday value that actually survives long-term use.

Jan 26, 2026Read article
Guides

Best Hotel-Oriented Credit Cards for Indian Travelers

A practical shortlist focused on fees, redemption ease, and the kind of everyday value that actually survives long-term use.

Jan 25, 2026Read article
Guides

Best Lifetime Free (LTF) Credit Cards in India for 2026

Never pay an annual fee again. We review the top Lifetime Free credit cards that offer premium value, cashback, and lounge access at absolutely zero cost.

Jan 20, 2026Read article
Guides

Building CIBIL: FD-Backed Credit Cards vs. Standard Options

Rejected for a credit card? We analyze the exact YMYL strategy of using Fixed Deposit (FD) secured credit cards to build a 750+ CIBIL score in 6 months.

Jan 17, 2026Read article