Be the person who uses the bank's plastic to build a life of luxury on a budget. Treat your Credit Card like a loaded weapon—handle it with care, keep the safety on (Auto-Pay), and use it to hunt for big game (Business Class seats).

Today, we are running the NRI Remittance Race. We are pitting the big players against each other to find out: What are the best apps to send money to India? Who gives you the best rate, and who is just taking you for a ride?