
How Banks Make Money From Credit Cards in India — The Full Picture (2026)
Every time you swipe your credit card, someone makes money. 💰 And surprisingly, that someone is not always just the bank that issued your card — it is an entire ecosystem

Every time you swipe your credit card, someone makes money. 💰 And surprisingly, that someone is not always just the bank that issued your card — it is an entire ecosystem

The minimum due refers to the smallest amount your bank asks you to pay each month to avoid a late payment fee and keep your account in good standing. Typically, banks set this at around 5% of your total outstanding balance — although the exact formula varies across banks.