About ME

Hi, I’m Kardam Dangi, the face behind FinancewithKardam — your go-to destination for smart money moves, credit card hacks, and financial empowerment.

Over the years, I’ve mastered the art of leveraging credit cards not just for spending, but for earning — from maximizing cashback and reward points to unlocking travel perks, lounge access, and hidden benefits most users overlook.

With a deep understanding of Indian credit card products, bank reward systems, and how to optimize your credit profile, I’ve helped hundreds of readers save more, travel better, and build wealth smarter — all without falling into the debt trap.

On this blog, I break down complex credit card terms into everyday language, share real-world tips that work, and keep you updated with India’s best offers, hidden deals, and loopholes the banks won’t advertise.
If you want to:

• Turn everyday expenses into travel rewards
• Boost your credit score the right way
• Pick the best card for your lifestyle (and ditch the rest)
• Avoid hidden fees, traps, and bad deals
…you’re in the right place.

Let’s make credit cards work for you, not against you.