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BY  Sibashree Oct 24, 2025

Croatia is home to some of the most breathtaking beaches in the world. Moreover, tourists can see crystal-clear waters, hidden coves, and pristine silver sand beaches. Statistica reports suggest that almost 20 million arrivals were recorded in Croatia,  Therefore, a large number of tourists from around the world visit Croatia. This often makes several spots and destinations very crowded.  However, many travellers do not like being in highly crowded places. Thus, people often prefer to visit beaches that remain untouched by people and are clean. Moreover, Croatia’s coastline is home to hundreds of breathtaking beaches. The list of attractions includes things like hidden coves and pebbly bays to soft sandy lagoons. However, we will inform Tour and Travel readers about the less crowded beaches accessible by waterways.   Therefore, the best way to explore all these beaches is by boat or yacht. Moreover, tourists can anchor in crystal waters and explore every hidden corner of the Adriatic. Which Are The Top 10 Best Beaches in Croatia To Visit By Boat? Croatia is home to some of the most beautiful beaches in the world. However, we have sifted out the names of some of the best beaches in Croatia for you to visit. All these beaches are best visited by boat. Thus, let us know in detail about these beaches. 1. Zlatni Rat (Golden Horn) – Brač Island Zlatni Rat is one of the most beautiful beaches in Croatia. Moreover, the beach stretches out into the sea like a golden horn. However, the golden-stretching beach constantly changes shape with the wind and ocean currents. Zlatni Rat is located on the island of Brac. The island is one of the most significant geomorphological wonders in the world. Moreover, the Island offers some of the most incredible scenery. The water surrounding the Island becomes turquoise blue to dark blue within just 20 metres. The Island also houses decades-old pine trees that were once planted by the locals to create natural shade around the place. Therefore, the white pebbles and turquoise water turn the Island into a dream stop for sailors.  Thus, the tourists can simply drop anchor nearby with a Split yacht rental and relax in the blue waters.  Moreover, tourists can spend the afternoon swimming, participating in other watersports such as windsurfing, or enjoying the lively Bol promenade. Zlatni Rat is one of the best beaches in Croatia for spending some time alone. 2. Stiniva Beach – Vis Island The island of Viz serves as the home to Stinava Beach. Stinava Beach is one of the best beaches in Croatia.  Moreover, Stinava Cove is popular among tourists for its high cliffs that form the entrance to the sea.  Furthermore, the Tourism Organization European “Best Destinations” considers the beach as the most beautiful beach in Europe. Vis attracts people from all over the world because of its mild Mediterranean climate. The beach remains hidden between the cliffs. Hence, the tourists can only reach the place by a short hike. However, the boat serves as the more scenic path to reach the place. The tiny pebble beach and emerald-green water make it one of the most photographed places in Croatia. Arrive early in the morning for calm seas and perfect light. 3. Dubovica – Hvar Island Tourists should take a short sail from Hvar Town. Moreover, they will reach Dubovica Beach. The beach is one of the most peaceful coves, framed by stone houses and olive trees.  The tourists visiting the place will witness calm, transparent waters. Moreover, the tourists should go prepared for water sports activities.  The place provides ideal spots for swimming and snorkeling right from their yacht.  Moreover, the rustic beach bars onshore also add to the island's authentic charm. 4. Pasjača Beach – Konavle, Near Dubrovnik The place is carved beneath towering cliffs. Hence, Pasjača is one of Croatia’s most dramatic beaches.  Moreover, the beach is a mix of fine sand and pebbles. However, the beach remains accessible only via a steep path from the cliffs above. Thus, tourists find it difficult to reach the place. However, the travellers can always reach the beach by sea. Moreover, people should anchor their boats offshore and enjoy the untouched beauty and serenity. Moreover, the place remains a hidden paradise. Far away from the chaos and crowded places. Thus, it is one of the best beaches in Croatia. 5. Sveti Jakov – Dubrovnik Travellers who sail near Dubrovnik should definitely visit Sveti Jakov Beach. Moreover, the place is located just outside the Old Town. Therefore, people can enjoy stunning views of the city walls and Lokrum Island from the spot.  Moreover, the pebble-and-sand beach offers a very relaxed vibe. Hence, the beach provides ideal conditions for swimming. Travellers can also take in the historic skyline from the comfort of their yacht. 6. Sakarun Beach – Dugi Otok People know Sakarun Beach for the rare sandy beaches on the Adriatic. Moreover, Sakarun feels almost Caribbean with its shallow turquoise bay and soft white sand.  The place is surrounded by a pine forest. Moreover, the yachts cruising the Zadar archipelago find the place to be a popular destination. The anchorage is calm, making it ideal for a lazy day in paradise. 7. Lubenice Beach – Cres Island Perched below the medieval village of Lubenice, this hidden cove offers a wild, natural setting and crystal-clear water.  Lubenice Beach is difficult to reach by land, which makes arriving by boat the perfect option. It’s quiet, pristine, and ideal for a refreshing swim far from the crowds. 8. Nugal Beach – Makarska Riviera Nugal Lies between cliffs and pine trees. Hence, Nugal serves as one of Dalmatia’s most peaceful beaches.  The beach has gained popularity for its privacy and naturist-friendly atmosphere.  However, travellers can access the beach only on foot or by boat. Hence, the place remains a true hidden gem for those seeking peace while sailing. 9. Pupnatska Luka – Korčula Island Korčula, Pupnatska Luka is one of the most beautiful bays in Croatia. Moreover, the beach features smooth pebbles, crystal-clear water, and lush green hills in the background.  Therefore, the Sailors often stop here for swimming and lunch, thanks to the small local konoba (tavern) nearby. The sheltered bay offers safe anchoring and a perfect island escape. 10. Rajska Plaža (Paradise Beach) – Lopar, Rab Island Rajska Plaža boasts long stretches of fine sand and shallow, warm water. Moreover, most of the Croatian beaches do not offer this. Hence, these conditions remain ideal for families and others.  Moreover, the beach is one of the few where you can anchor nearby and swim ashore easily.  The 2-kilometer sandy bay is surrounded by cafés and restaurants, making it a lively stop on your northern Adriatic route. Things To Remember While Visiting The Best Beaches In Croatia  Croatia houses several beaches. Moreover, people can access several beaches by hiking trails as well. However, the route to several hiking trails involves steep hills and cliffs.  Thus, the waterways serve as the best way of transportation to visit the best beaches in Croatia.

BY  Sibashree Feb 28, 2026

Today, I am going to talk about something really important - credit card expiry and renewal! We love our credit cards, don’t we? They are like these messiahs - especially during those travels! But have you ever noticed the expiry date printed on your Credit Cards and wondered what really happens when it ends? Many people assume that once the date passes, their credit account simply shuts down. But that’s not how it works. A Credit Card expiry is simply the end of your card’s validity period and not your credit account. Read through to understand why Credit Cards expire, what happens before they do, how the renewal process works, and what you should keep in mind as a cardholder, especially when you are traveling! Why Do Credit Cards Have Expiry Dates? Before talking about the credit card expiry and renewal process during your travel, let’s talk about what these cards have an expiry date! Credit Cards come with an expiry date for a few simple but important reasons. One major reason is security. By limiting how long a card stays valid, banks reduce the chances of long-term misuse or fraud. If card details are ever compromised, the expiry date adds an extra layer of protection. Another reason is technology. Payment systems keep improving, and banks regularly upgrade card chips, contactless features, and other security elements. Renewal gives them a chance to issue updated cards with better protection. The expiry date does not close your account, but you can continue managing your expenses, EMIs, or even use a Credit Card EMI calculator without any disruption. What Happens Before Your Credit Card Expires? Before your Credit Card reaches its expiry date, banks usually start the process quietly in the background. Most issuers send a notification via SMS or email around 30-60 days in advance, so you are informed in advance. At the same time, they review your account to ensure everything is in good standing. They typically check: Whether you have been actively using the card Your repayment history KYC compliance and updated contact details If you have a good repayment track record and no major policy violations, the renewal is usually approved automatically. However, if there are issues such as repeated missed payments or incomplete documentation, the bank may contact you. Credit Card Expiry And Renewal: How The Credit Card Renewal Process Works The renewal process is usually smooth and mostly handled by the bank itself. Here’s how it typically works: Step 1: Renewal Approval First, the bank checks your account - how you have been paying bills, how you have used the card, that sort of thing. If everything looks good, they go ahead and approve the renewal automatically. Step 2: Card Issuance Next, they print out a new card for you. It shows up with a fresh expiry date and CVV, and sometimes they even update the design. So, you might notice your card looks a little different this time. Step 3: Delivery After that, they send the new card to your registered address. Usually, it arrives before your old one stops working, so you’re not left hanging. Step 4: Activation Once you get the new card, you’ll need to activate it. You can do that through your mobile banking app, internet banking, at an ATM, or just by calling customer care. Don’t forget: after your old card’s expiry date, it won’t work anymore. Once you’ve activated the new one, make sure to destroy the old card so your info stays safe. What Happens To EMI, Auto-Pay & Subscriptions? When your card is renewed, your outstanding balance transfers automatically, and ongoing EMIs continue as usual. However, if the new card has a different number, you may need to update auto-debits and online subscriptions. Quick Tip: Update card details on OTT, shopping, and utility platforms to avoid payment failures. Credit Card Expiry And Renewal: What To Keep In Mind When Traveling? Running into an expired credit card when you’re thousands of miles from home isn’t just annoying - it can turn your whole trip upside down. No working card means no cash from ATMs, trouble booking hotels, and good luck if you run into an emergency. So, let’s make sure you don’t get stuck. Here’s what you need to do before and during your trip to keep your credit cards working. 1. Pre-Trip Checklist For Credit Card First, take a few minutes to go through your wallet before you head to the airport. This quick check can save you a whole lot of stress later. Here’s the game plan: Check the Expiration Date: Check every card for its expiration date. Don’t just glance - make sure each one will last through your entire trip, plus at least an extra month, just in case plans change. Request an Early Renewal: If you notice a card is set to expire during or right after your travels, get a new one now. Most banks let you order a replacement 30 to 60 days in advance. The "Rule of Two": Never count on just one card. Always carry at least two, and make sure they’re on different networks - say, one Visa and one Mastercard. And don’t keep them together. Toss one in your wallet and stash the backup in your hotel safe. One more thing: set up travel notifications. Yeah, it sounds simple, but it works. Just hop onto your bank’s app and plug in your travel dates and where you’re headed. That way, your bank doesn’t freak out and freeze your card the first time you swipe it at a café in a new country. Trust me when I say this - little planning here means you can actually enjoy your trip—without worrying about your money. 2. Managing An Expired Card While Abroad If your card gets declined overseas because it’s expired, don’t panic - you’ve got some ways out. Before your card runs out, add it to Apple Pay or Google Wallet. Most banks these days can give you a virtual card right away when you renew - complete with a fresh expiry date and CVV. So, basically, that means you can keep tapping your phone to pay, even if your new card’s still in the mail. If you need the physical card fast, banks like Chase or Wise can ship one overseas in a hurry. Sometimes you’ll get hit with courier fees, and customs can slow things down, but it’s an option. Totally stuck without cash? Visa and Mastercard have your back. They can set up an emergency cash pickup through local spots like Western Union, usually within a day or two. 3. Essential Security Tips For International Travelers Finally, when you are in a new place, security matters - big time. Here’s what you want to do: First, create a “digital shadow.” Take an encrypted snapshot of your card numbers and the international customer service number (it’s on the back of your card). If you ever lose your card, you’ll have what you need, no panic required. Next, turn on instant alerts. Get push notifications for every transaction. That way, if something weird pops up, you’ll know right away. And don’t mess around with public Wi-Fi when you’re logging into your bank or updating card info. Use a VPN, or just stick to your phone’s data. Public airports and hotel Wi-Fi just aren’t safe for your sensitive stuff. Credit Card Expiry And Renewal As A Traveler! In conclusion, knowing how your credit card expiry and renewal process really works saves you a lot of hassle. And honestly, it’s not complex - as long as you pay attention to the dates and don’t leave things to the last minute. Just keep your details up to date, activate your new card as soon as it arrives, and you’ll dodge those embarrassing declined payments and won’t miss any subscriptions or bills. It only takes a bit of effort to keep everything running smoothly. Your credit card’s basically your travel lifeline. So, check the expiry date now. That way, next time you’re packing for a trip, you’ll only need to plan your sightseeing, not worry about whether your card’s going to let you down.

BY  Sibashree Feb 10, 2026

How Many Miles Is 20000 Steps? Key Takeaways: Are you an adult? Taking 20000 steps is equal to walking 8-10 miles. However, this exact calculation depends on many factors, such as the walking pace, stride length, and height of a person. Furthermore, men often cover more distance in miles in 20000 steps as their average stride length (2.5 feet) is longer than that of women (2.2 feet). The “miles-to-step ratio” depends on your walking speed. For example, if your walking speed is 2 mph, you will need to take more steps each mile than anyone walking at a speed of 4 mph. If you are on a fitness journey, as a part of your everyday regimen or for your next trek expedition, you must divide your 20000 steps into various sessions. Thus, your goal becomes achievable, and you can enjoy more health benefits. You can use SOLE Treadmills or similar fitness equipment for perfect distance tracking. Moreover, it comes with joint-protective technology. Thus, it helps maintain safety during high-volume walking to reach 20000 steps in a day. What Is The Significance Of 20000 Steps For Your Fitness Goal? For the longest time, taking 10000 steps has been considered the Gold Standard for regular fitness activities. However, if you want to push your boundaries as a fitness enthusiast, you can double it and make it to 20000 steps. Do you know what this ambitious goal of taking 20000 steps means for the distance covered? The calculation or the process of converting steps to miles is not as easy as it looks. As a fitness enthusiast or mountaineer working on your fitness goals, you have to understand this conversion. It is important to set realistic expectations and avoid injuries. For many people, taking 20000 steps, equivalent to walking 8-10 miles daily, is a major fitness commitment. It’s like exploring Manhattan on foot in a day with plenty of zigzagging walks through the neighborhoods. Overall, walking 20000 steps means dedicating 3-4 hours of your time to walking on a daily basis. Once again, the distance in miles covered in 20000 steps will depend on your gender, walking pace, and height. Moreover, the terrain you are walking on will determine how many miles you will be covering. Your 20k Steps Calculator: A Quick Guide  How many miles is 20000 steps?  Well, you can choose conversion estimates to get some basic ideas. However, individual or specific stride length is a more dependable factor for accurate calculations. Do you want a quick reference? Refer to these general guides and know how much distance you are covering in 20000 steps. Height Stride Length in Average Miles (Approx) You Will Cover in 20000 StepsLess than 5'3" 2.0 feet 7.5-7.6 Miles 5'3" to 5'7" 2.3 feet 8.2-8.3 Miles 5'8" to 6'0" 2.5 feet 9.5 Miles More than 6'0" 2.7 feet 10.2 Miles  The calculation process is simple. First, multiply 20000 by your stride length.  Then, divide the result by 5280. However, remember that this calculation is done considering you have an average walking pace of 3 miles per hour. So, the actual distance will be different if you are walking at a slower pace through any crowded street or market, or if you are walking briskly. You can use a fitness tracker to calculate the miles covered with your 20000 steps in a day by adjusting your walking speed. Naturally, the result will be more accurate. For Men: How Far Is 20,000 Steps?  If a man and woman have the same height, the stride length of the man will be longer. So, a man will walk a longer distance with the same number of steps he is taking. On average, a man has around 2.5 feet of stride length when he is walking at his usual pace. Thus, for a man of average height, 20000 steps means around covering 9.5 miles. Also, for men, height plays an important role in deciding the stride length. If you are a man and have a height of 5'6", you will have a stride length of around 2.2 feet. So, when you take 20000 steps, you will cover around 8.3 miles of distance. At the same time, if your height is 6'2", your stride length will be at least 2.8 feet. So, in 20000 steps, you will cover around 10.6 miles. Moreover, your stride length is impacted by your walking speed. Suppose you are walking briskly at a speed of 4 mph, your stride length will go up by around 10-15%. So, if you usually cover a distance of 9.5 miles with 20000 steps, when you are walking briskly, you will cover around 11 miles in 20000 steps. How Many Miles Is 20000 Steps For Women?  I have already mentioned that women have a shorter stride length than men, even if the height is the same. So, when a woman of average height is walking at a normal speed, the stride length will be 2.2 feet per step. Thus, we get an average calculation of 20000 steps for a woman, and that is 8.3 miles. Now, you have to understand this difference, especially if you have a walking partner of a different gender. The goals will be different for both of you. Understanding Walking Pace: How Long Does It Take To Complete 20K Steps?  Of course, your walking pace will determine how much time you will need to complete 20000 steps. Know the approximate distance covered when you are walking at slow, average, or brisk speed. Time To Complete 20k Steps During Slow Walking If you are walking at a leisurely pace and your speed is around 2 mph, your stride length becomes shorter. So, the number of steps you take to cover a mile will be more. Someone of average height can cover a mile in around 2400 steps. If you follow this pace, you will complete walking close to 8.3 miles in a day. Also, the overall time will be close to four hours and ten minutes. Walking at a slow pace is usual when you are walking with your children or elderly parents. Or, the pace becomes slow when you are shopping or walking through an overcrowded space. Also, injury and mobility issues are major reasons for slow walking. However, slow walking also has health benefits. You may take more time to gather the steps, but it will help you, especially if you are recovering from mobility issues or injury, or you have just begun your fitness journey. How Much Time Is Taken To Complete 20K Steps At An Average Walking Speed(3 MPH)  The average walking speed of an adult during a purposeful walk is around 3 mph. At this pace, you will have to take 2000-2200 steps to complete walking a mile. Thus, you will walk close to 9-10 miles at the end of 20000 steps. Overall, it will take 3 hours to complete the walk. So, on an everyday basis, you will have to devote a significant amount of your time to completing 20000 steps. It may seem difficult. However, you can easily adjust this time in your daily routine. You can even combine your regular walking sessions with other active choices to complete the count in a day. Complete 20k Steps Faster With Brisk Walking  Suppose you are walking at a pace of 4 mph. This is the speed of power walking and brisk walking. Your strides will become naturally longer at this pace. So, you will take fewer steps to complete 20000 steps. The number of steps taken will be close to 1800 or 1900. Furthermore, at this pace, you will complete 10.5-11 miles, and the total time required will be 2 hours and 40 minutes. Brisk walking reduces the daily time commitment to complete 20000 steps. At the same time, it has major health benefits such as better muscle engagement, faster calorie burn, and improved cardiovascular health. Jogging Vs. Walking: How These Impact Your Journey Of Completing 20K Steps? You can combine jogging with your daily walk to change your “Steps-to-Miles Ratio” dramatically. If you are jogging at five to six miles per hour, your stride length will go up massively. So, when you are jogging, you are usually completing 1400 to 1500 steps per mile. Thus, at this pace, you will cover around 14 miles at the end of walking 20000 steps. However, be realistic and consider your fitness level when combining jogging with walking. It’s all right that you will cover more distance in a shorter time in this way. Still, if you get injured or there is any sprain, the recovery time will be longer. Having said that, many experts or fitness enthusiasts follow a mixed approach of walking and jogging for high-volume training. Thus, the entire process becomes more sustainable. How Many Miles Is 20000 Steps: Frequently Asked Questions (FAQs)  Here are the frequently asked questions and answers about how many miles to complete in 20000 steps. 1. Does Walking 20000 Steps Mean Running 10 Miles? Yes, walking 20000 steps can be similar to running 10 miles in terms of the distance covered. However, they are not the same in terms of cardiovascular benefits or calorie burns.Also, running 10 miles may not always mean completing 20000 steps. When we run, our stride length becomes longer, and the pace is higher. So, when running, we can cover the distance of 10 miles (achievable after a walk of 20000 steps) in 15000 steps. Going by this calculation, we will cover around 17-20 miles of distance after 20000 steps of running.  2. How Many Calories Can I Burn Walking 20000 Steps? The amount of calorie burn after completing 20000 steps will depend on many factors. The major determining factors are your walking speed, the terrain, and your body weight. For example, if your weight is 160 pounds and you are walking on a flat terrain at an average speed, you will be able to burn 800-1000 calories after completing 20000 steps. With all the other factors unchanged, a person weighing 200 pounds will lose close to 1400 calories after a walk of 20000 steps.Moreover, calorie burning will be 20-30% more if you are doing brisk walking or climbing uphill. 3. Can I Divide My 20,000 Steps Into Different Sessions In A Day?  Yes, you can divide your 20000 steps into many sessions in a day. Thus, you have a practical and flexible fitness regime, and it is more beneficial for your health.For example, you can take 5k steps in the morning, during your lunch hours, and after dinner. Thus, you are completing 15k steps in three sessions. You can complete the remaining 5k steps through intentional movements or activities. 4. What Will Happen If I Walk 20K Steps Every Day For A Month?  If you walk 20k steps every day for a month, you will notice amazing mental and physical transformations. If you are on a healthy diet, the first thing you will notice is the weight loss. You can lose up to 8 pounds of weight with this habit. Furthermore, your cardiovascular health will improve, and your leg muscles will be more defined. Your endurance level will also go up. Moreover, the mental benefits of completing 20k steps are lower stress levels, better sleep quality, improved mood, and a boost in energy level. Read Also: Minus 40°C Or Minus 40°F: What To Know Before Planning Your Next Mountain Escapade? The Iberian Dilemma: Comparing Spain Vs Portugal For Your Next European Adventure What Are The Unique Things To Do In Thailand, Phuket? The Ultimate Guide