Rohan Desai is FinancePaisa’s senior writer for credit cards and credit-scoring topics. He specialises in reading through issuer T&C documents, RBI circulars, and bureau methodology to translate them into practical guidance for readers. Rohan is opinionated about hidden charges, minimum-amount-due traps, and the difference between marketed reward rates and the effective earn rate a real user sees.
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Every piece Rohan writes or reviews follows our editorial policy — original writing, real bank data from officially published sources, and no acceptance of payment to alter rankings. You can email corrections directly to editor@financepaisa.com.