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 GuidesEvery Axis Bank Credit Card in 2026, Ranked
Axis Bank's card shelf is the most volatile in India — cards launch, get devalued, and get reborn faster here than anywhere else. The 2026 lineup reflects that churn: the Vistara co-brands are gone (marked discontinued a
How-To GuidesEvery HDFC Bank Credit Card in 2026, Ranked
HDFC Bank runs the deepest credit card lineup in India — more than 40 live personal cards, from a ₹99 UPI card to the invite-only Infinia. The 2026 shelf looks different from last year's: Swiggy BLCK and Ornge split the
How-To Guides500 Articles Later: 10 Lessons From India's Credit Card Landscape
This is CardBuzz's 500th article. Five hundred pieces on fees, reward rates, devaluations, lounge lists, milestone math and the fine print in between — every number drawn from the card database, every claim checked again
How-To GuidesAnnual Card Portfolio Review: The Year-End Audit You Should Do
Portfolios drift. The card that was perfect when you applied — the travel card from the year you flew monthly, the dining card from the year you ate out weekly — quietly becomes a fee you pay for benefits you no longer u
How-To GuidesTwo-Player Mode: A Couple's Card Strategy for Maximum Rewards
Two adults, one household, twice the spending — and, if you coordinate, more than twice the rewards. A couple spending ₹1 lakh a month has access to strategies a single cardholder does not: doubled caps through duplicate
How-To GuidesThe Credit Limit Game: How Limits Grow and Why They Matter
Your credit limit is the quiet variable behind almost every advanced card strategy. It decides whether a ₹2 lakh travel booking fits on the Axis Atlas (whose travel earn caps at ₹2 lakh a month), whether you can concentr
How-To GuidesProduct Change vs New Application: The Upgrade-Downgrade Math
Every cardholder eventually outgrows a card — or a card outgrows its welcome. Your spending rises and the entry-level card's caps start binding; or your spending falls and the premium card's fee stops making sense. At th
How-To GuidesRetention Bonuses: How to Ask Before You Cancel, and What to Expect
Every year, millions of Indians pay a credit-card annual fee they did not need to pay — or cancel a card they did not need to cancel. Between those two outcomes sits a phone call most cardholders never make: the retentio
How-To GuidesPoints Pooling Across Family: How Households Combine Rewards
A household of two earning adults routinely spends ₹80,000–₹1,50,000 a month — double what either spends alone. Yet most families run their credit cards as two isolated individuals, each earning at base rates on categori
How-To GuidesManufactured Spending in India: Legitimate Routing vs the Ban List
Every few months, someone asks a version of the same question: can I route a large, obligatory payment — rent, a tax challan, an insurance premium — through my credit card to earn rewards on money I have to spend anyway?
How-To GuidesCard Rotation Strategy: The Right Card for Every Spend
Owning three good cards is only half the game. The other half is rotation — knowing, for every rupee you are about to spend, which card should take it. Most cardholders default to one favourite card for everything and ea
How-To GuidesThe 3-Card Stack: Building a Complete Rewards Portfolio in India
No single credit card in India rewards everything well. The card that pays 5% on online shopping pays 1% on everything else. The card that pays 5% on your electricity bill pays nothing on Amazon. The card that funds your