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 GuidesAdd-On / Supplementary Credit Cards in India (2026)
An add-on (supplementary) credit card is a second card issued against your existing credit card account, in someone else's name — typically a spouse, parent, or adult child. It draws on the same credit limit and the same
How-To GuidesUpgrading or Downgrading Your Credit Card (2026)
Your spending changes over the years, and your credit card should keep up. An upgrade moves you to a higher-tier card with richer rewards; a downgrade moves you to a cheaper card when the fees stop making sense. Both bea
How-To GuidesPre-Approved Credit Card Offers in India (2026): Are They Really Approved?
"You're pre-approved for a credit card!" — the SMS, email, or app banner feels like a done deal. It isn't. A pre-approved offer means the bank has pre-screened you and believes you *might* qualify. Final approval still n
How-To GuidesWhy Credit Card Applications Get Rejected in India (2026)
A rejected credit card application is frustrating, but it is almost never random. Banks decline applications against a small set of measurable risk signals — credit score, existing debt, recent borrowing behaviour, and i
How-To GuidesHow to Apply for a Credit Card in India (2026)
Applying for a credit card in India takes one of two routes: online, on the bank's website or app, or offline, at a branch or through a bank representative. The underlying checks are identical — identity, address, income
How-To GuidesCredit Card Eligibility in India (2026): Income, Age & CIBIL
Every credit card application in India is decided against the same three pillars: age, income, and credit history. Banks rarely publish the rulebook, but entry criteria — minimum age, minimum income, and credit score exp
How-To Guides10 Reward-Point Mistakes That Cost You Money (2026)
Reward points are a discount you must collect correctly. Every mistake below is grounded in the CardBuzz database of 610 cards.
How-To GuidesCredit Card Milestone Benefits Masterclass (2026)
Milestone benefits are the credit card industry's best-kept secret and its most common missed opportunity. Base reward rates get all the marketing; milestones — lump-sum bonuses paid when spend crosses a threshold — quie
How-To GuidesCashback vs Reward Points in India (2026): Which Should You Choose?
Every Indian credit card falls into one of two camps: cashback cards that return a fixed percentage of your spend, and rewards cards that hand you points to redeem later. The actual maths — pulled from the CardBuzz datab
How-To GuidesReward Point Expiry Rules on Indian Credit Cards (2026)
The CardBuzz card database — 610 Indian credit cards — does not state a reward-point expiry rule for any card. A full-text search of every benefit, fee, and eligibility field turned up only two mentions of the word "expi
How-To GuidesProtecting Your Reward Points from Devaluations (2026)
A devaluation happens when a bank or loyalty program reduces what your points are worth: the portal pays fewer rupees per point, transfer ratios worsen, or partner programs raise their award charts. Devaluations are anno
How-To GuidesCredit Card to Airline/Hotel Transfer Partners in India (2026)
Most Indian credit cards let you redeem reward points on the bank's own portal for flights, hotels, vouchers, or cashback. But premium and travel-focused cards also let you move points into airline frequent-flyer and hot