How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
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How-To GuidesWhat is a UPI credit card? How UPI on RuPay credit cards works
A UPI credit card is a credit card — usually issued on the RuPay network — that you link inside a UPI app and pay with by scanning any UPI QR code. The bill arrives on your credit card statement like any other card purch
How-To GuidesBeginner Myths: Students, First Jobs, and Starting Credit Right
Your first credit card sets habits — and a credit history — that follow you for years. Unfortunately, beginners receive the worst advice of all: cautious to the point of harmful, or reckless to the point of expensive. He
How-To GuidesSecurity Myths: Chips, OTPs, and Contactless Safety
Card security advice is a mix of solid RBI-mandated protections and folk wisdom that stopped being true a decade ago. Knowing which is which determines whether your precautions actually protect you — or just make you fee
How-To GuidesOwnership Myths: Debit vs Credit, Annual Fees, and Everyday Safety
Once the card is in your wallet, a second wave of myths takes over — about whether debit would have been safer, what annual fees really cost, and how to handle cards you barely use. These myths shape daily habits, so get
How-To GuidesApplication Myths: Multiple Cards, Rejections, and Approval Truths
Applying for a credit card feels like a test with secret marking. Myths fill the vacuum — about how many cards you can hold, what rejections do, and what "pre-approved" really means. Here's how applications actually work
How-To GuidesRewards Myths: Why Points Are Not Free Money
Reward points feel like a game you win just by spending. That feeling is the product of careful marketing. Points have real value — CardBuzz exists partly to help you maximise it — but the myths around them lead people t
How-To GuidesInterest Myths: Minimum Due, Grace Period, and the Revolving Trap
Nothing about credit cards is more misunderstood — or more expensive to misunderstand — than how interest works. The minimum due, the grace period, and the revolving trap form a trio of concepts that issuers explain in f
How-To Guides10 Credit Card Myths Debunked: What Indians Get Wrong in 2026
Credit cards in India are surrounded by folklore. WhatsApp forwards, well-meaning relatives, and even bank salespeople repeat claims that sound authoritative but fall apart under scrutiny. Believing them costs real money
How-To GuidesBeyond the Lounge: Spa, Meet-and-Greet and Airport Transfers
The lounge is the headline, but premium Indian credit cards quietly bundle a whole layer of airport-adjacent benefits most holders never use: spa sessions, meet-and-greet services, concierge assistance, railway lounges,
How-To GuidesLounge Etiquette: The Unwritten Rules Frequent Flyers Follow
A lounge is a shared, quiet, limited-capacity space — and nothing gets a cardholder angrier than someone treating it like a food court. Most lounge friction comes from people who don't know the norms, not people who reje
How-To GuidesSpend-Based Lounge Access: The New Normal for Indian Cards
The biggest structural shift in Indian credit card lounge benefits isn't a devaluation — it's a redesign. Across 2025 and 2026, bank after bank replaced automatic lounge access with spend-linked unlocks: hit a spending t
How-To GuidesBringing Guests to Airport Lounges: Companion Policies Explained
Your card gets *you* into the lounge. Your spouse, your kids, your colleague, your parents — that's a separate question, governed by separate rules that vary wildly between cards and changed more than once in the last tw