How-To Guides

EMI Protection and Job-Loss Covers: What Is Real and What Is Marketing

"What happens to my EMIs if I lose my job?" It is a fair question — and the market answers it with a fog of overlapping product names: credit shield, EMI protect, loan protection, job-loss cover. Some of these are real i

Price Protection on Indian Credit Cards: Does It Exist Anywhere

Price protection — buy something, the price drops within 60–90 days, the card refunds the difference — was once a standard premium-card perk in the US. Shoppers in India occasionally ask whether their card offers it. The

Extended Warranty on Credit Cards: Which Indian Cards Still Offer It

Extended warranty — the card issuer doubling the manufacturer's warranty on what you buy — was once a headline premium-card benefit globally. In India in 2026, it is rare, poorly documented, and often confused with paid

Purchase Protection on Credit Cards: How It Really Works in India

Buy a phone with your credit card, get it stolen two months later — and the card issuer's insurance pays you back. That is the promise of purchase protection. It exists in India, it is underused, and the claim process is

Travel Insurance From Credit Cards: A 2026 Coverage Reality Check

"Complimentary travel insurance" is one of the most quoted — and least understood — premium card benefits in India. Cardholders assume they are covered abroad; issuers define "covered" narrowly. This is a reality check o

Complimentary Insurance on Premium Cards: What Is Actually Covered

Premium credit cards in India advertise "complimentary insurance" worth crores. The numbers are real — but they cover narrow, specific events, apply mostly to the primary cardholder, and come with exclusions that matter.

Best Credit Cards for Insurance Premium Payments: 2026 Data-Driven Rankings

Not every credit card is a good card for paying insurance premiums. Some exclude insurance from rewards entirely; some count it at base rates only; a few reward it generously. This ranking uses CardBuzz's live card datab

Paying Insurance Premiums With a Credit Card: The Rewards Math, Tested

Life and health insurance premiums are among the largest recurring payments an Indian household makes — often ₹50,000 to ₹2 lakh a year. Put that on the right credit card and the rewards are meaningful. Put it on the wro

The Housing Spend Playbook: Optimizing Rent and Home Costs by Card

Housing is the largest spend category in most Indian households — and the worst optimized for credit-card rewards. Rent earns nothing, EMIs can't go on cards, and the genuinely rewarding housing spends (maintenance, furn

Rent vs Buy Through a Credit-Card Rewards Lens

*This article looks at renting vs owning purely through the lens of credit-card rewards and card-optimized spending. It is not real-estate advice, tax advice, or financial planning — the rent-vs-buy decision turns on pro

Rent-on-Card Break-Even: 5 Worked Examples for 2026

Everyone has a view on whether paying rent with a credit card is "worth it." Views are cheap; arithmetic isn't. This article works through five concrete examples so you can see exactly where the break-even sits in 2026 —