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 Happens to Credit Card Reward Points: Nomination Basics
It is the financial question families ask only when it is urgent: a parent passes away holding credit cards with lakhs of reward points, and nobody knows what happens next — to the points, to the outstanding dues, or to
How-To GuidesSimplest Credit Cards for Non-Tech-Savvy Users in India
Not everyone wants a rewards hobby. For users who find apps confusing, portals exhausting and "10X on select partners up to a quarterly cap" indistinguishable from noise, the best credit card is the one that works like c
How-To GuidesHow Credit Card Needs Change After 60: A Retirement Guide
The credit card that served you brilliantly at 40 — the one with the ₹10,000 fee justified by airport lounges and accelerated travel rewards — may be the wrong card at 65. Retirement rewrites the spending pattern, the in
How-To GuidesPaying Parents' Medical Bills With a Credit Card: Rewards and EMI
Few expenses arrive with less warning than a parent's hospitalisation. In the middle of that stress, the payment method feels trivial — but a ₹2 lakh hospital bill is also one of the largest single transactions a family
How-To GuidesCredit Cards for College Kids: Building Credit Early in India
A 19-year-old with a credit card sounds like the setup for a cautionary tale — but done right, it is the opposite. India's credit system rewards history: a graduate who enters the workforce with three years of clean repa
How-To GuidesAdd-On Credit Cards in India: Benefits, Limits and Liability
An add-on credit card — also called a supplementary card — is a card issued against your existing credit card account in someone else's name: your spouse, your parent, your adult child. It looks like their card, but lega
How-To GuidesFamily Credit Card Strategy: One Primary Card Plus Add-Ons
Most Indian families hold credit cards the way they hold opinions — everyone has their own, nobody coordinates. The result is five statements, five due dates, five annual fees, and rewards scattered across programmes too
How-To GuidesWhich Credit Cards Reward Healthcare and Pharmacy Spending
Medicines are the one expense nobody can optimise away — but the payment method can still earn. The honest truth first: no major Indian credit card has a dedicated "healthcare" bonus category in the CardBuzz database. Ho
How-To GuidesCredit Cards for Pensioners: Getting More From a Fixed Income
A pension is the steadiest income in India — and the flattest. When the monthly inflow is fixed, every rupee of outflow has to work harder. Credit cards can quietly return 1–5% of household spending to a pensioner, but o
How-To GuidesTop Credit Cards for Senior Citizens in India: 2026 Picks
Retirement does not mean the end of smart spending — it means spending changes shape. The kids are grown, the home loan is likely done, and the monthly pattern settles into groceries, utilities, medicines, doctor visits,
How-To GuidesNRI Credit Card Charges and Taxes: GST, Markup and Cash Advances
An NRI's credit card statement carries more tax and charge lines than a resident's — GST stacked on fees, markup with GST on top, and cash-advance economics that punish the uninformed. None of this is tax advice (read th
How-To GuidesMoving Back to India: How to Rebuild Your Credit Card Portfolio
Returning to India after years abroad is a financial reset disguised as a homecoming. Your foreign credit history does not transfer, your Indian CIBIL file may be thin or dormant, your NRE/NRO accounts need re-designatio