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 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
How-To GuidesEarning and Redeeming Indian Card Rewards While Living Abroad
Living outside India does not mean your Indian credit cards go dormant — but the rewards game changes completely. Foreign spend carries markups, some earn categories assume you are in India, and redeeming from a differen
How-To GuidesOne Card or Many? A Multi-Currency Strategy for Indian Travellers
A common question from frequent travellers: should I carry one card for dollars, another for euros, maybe a third for dirhams? Multi-currency prepaid wallets encourage this thinking — but with credit cards, the currency
How-To GuidesWhich Indian Credit Cards Work Best Abroad: Visa, Mastercard, RuPay
A card's network decides where in the world it works — and Indian issuers ship cards on five of them: Visa, Mastercard, RuPay, Diners Club and American Express. Pick the wrong network and your "premium travel card" gets
How-To GuidesHow NRIs Can Get an Indian Credit Card: Documents and Eligibility
Yes, NRIs can hold Indian credit cards — most major issuers (HDFC Bank, ICICI Bank, Axis Bank, SBI Card, Standard Chartered, HSBC) issue to non-resident customers. But the application does not work like a resident's: the