Tokenization: why merchants store tokens not cards

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(00:00) - Intro
(02:42) - How Visa uses data
(09:56) - What data does Visa share with banks
(16:14) - How banks decide credit limits
(25:09) - The different numbers on credit cards
(27:16) - Tokenisation
(34:15) - How to travel for free with credit card points
(41:02) - The best credit cards
(57:45) - The most exclusive Visa card
(1:05:08) - How Indians use credit cards
(1:14:56) - Benefits of credit cards and credit
(1:28:04) - How Visa makes money
(1:34:27) - Financial fog
(1:41:48) - Thank you for listening
(1:42:02) - BTS
(1:43:22) - Outro

In today's episode our guest is Sandeep Ghosh, Group Country Manager, Visa India and South Asia. With him, we discuss how banks decide your credit limits, how fraud-prevention layers function, the myths vs. facts around credit cards, and the real do’s & don’ts every user should follow. If you swipe without thinking or should think but don’t, this conversation will reshape how you approach credit cards.In this episode, we discuss the real blueprint of the credit-card world, how your data works, what actually happens during every transaction, how powerful security systems like tokenisation protect you, and how to play the travel-rewards and points game smartly. We also break down whether a cashless, credit-driven economy is truly beneficial or if there are hidden risks you should know about.By the end of the episode, you’ll know exactly how to use your cards smarter, safer, and to your advantage whether it’s rewards, repayments, or security.

This conversation is an insightful one which every card user needs to watch.

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Follow Sandeep Ghosh here:

LinkedIn: https://www.linkedin.com/in/sandeep-ghosh-55ab73/

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LinkedIn: https://www.linkedin.com/company/visa/

X: https://x.com/Visa_IND

Facebook: https://www.facebook.com/VisaIND

YouTube: https://www.youtube.com/@VisaIndia

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About Raj Shamani

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Figuring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.