Credit cards aren’t simple .
We explain the system behind them.
RewardVita is a companion for the long-term. We focus on the economics, psychology, and strategy of credit—helping you move from your first card to your final redemption.
Structural Logic
We break down how banks design cards, so you can stop guessing and start understanding.
Portfolio Context
A card doesn't exist in a vacuum. We look at how your 1st card affects your 10th.
Sustainable Habits
No tricks to overspend. We believe the best rewards are a byproduct of disciplined management.
Latest Articles
Core vs. Co-branded Credit Cards: Freedom or Loyalty?
Choosing between bank-direct cards and brand-partnered cards. Learn which strategy maximizes your rewards based on your spending habits.
The Merchant Game: How 'No-Cost EMIs' Actually Work
A deep dive into the mechanics of No-Cost EMIs. Learn how to spot the hidden costs and use them as a tool for liquidity rather than a trap for impulsivity.
Secured vs. Unsecured: How to Get a Card if You Have No Credit History
The Catch-22 of credit: You need history to get a card, but need a card to get history. Here is the technical solution using Fixed Deposits.
Reward Vita’s First Rule: The Golden Habit of 'Debit-Style' Spending
The foundational philosophy: only spend on your credit card what you already have in your bank account.
Common Fees & Charges: The Hidden Costs You Need to Watch Out For
Uncover the hidden costs: from annual fees and forex markups to the 18% GST multiplier and the DCC trap.
CIBIL Deciphered: Why Your Credit Score is Your Financial Identity
Understand why 3 digits determine your financial future. Learn how Credit Reporting Agencies work and how to leverage your score for better loans.
The Debt Trap vs. The Reward Loop: Choosing Your Path
A psychological deep dive into credit card design. Learn how to identify the 'nudge' and stay on the winning side of the reward equation.
The 'Zero Interest' Manifesto: How to Never Pay Credit Card Interest
Discover the Zero Interest rules that turn credit cards into a net benefit. Learn why the Minimum Amount Due is a trap and how to automate your way to disciplined credit usage.
Credit Card 101: What is it, and Why Does it Actually Exist?
Stop fearing the plastic. Discover why a credit card is actually a high-tech 'buffer' for your bank account and how to use the system without becoming its lunch.