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 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
How-To GuidesHDFC Reward Points Guide (2026)
HDFC Reward Points are India's classic bank currency — earn rates and redemption values both depend heavily on which card tier you hold. An Infinia point and a Regalia Gold point are technically the same currency, but th
How-To GuidesTata NeuCoins Guide (2026): Earning & Spending
NeuCoins are the Tata ecosystem's currency: 1 NeuCoin = ₹1, redeemable across Tata brands on the Tata Neu app and website. Four cards in the CardBuzz database earn NeuCoins — two issued with HDFC Bank and two with SBI Ca
How-To GuidesAmex Membership Rewards Guide India (2026)
American Express's Membership Rewards (MR) program is one of the oldest reward currencies in India, and one of the friendliest: points do not expire while your membership is active, per the CardBuzz loyalty-program recor
How-To GuidesAxis EDGE Rewards Guide (2026): Earn, Transfer & Redeem
Axis Bank runs one of the most powerful — and most complicated — reward currencies in India. There are two parallel currencies under the EDGE brand: EDGE Reward Points (Magnus, My Zone) and EDGE Miles (Atlas and other tr
How-To GuidesSwiggy HDFC vs Zomato Edition Classic (2026): Food-Delivery Cards
Two co-branded cards fight for the same wallet slot — the food-delivery loyalist's. The Swiggy HDFC Bank Credit Card pays a headline 10% cashback across the Swiggy app; the Zomato Edition Classic (RBL Bank) pays 5 Editio
How-To GuidesIDFC First Wealth vs Scapia (2026): Zero-Fee Travel Cards
Two of India's most generous travel cards charge ₹0 a year — but they are built for different travellers. The IDFC First Wealth Credit Card is a premium card with a steep eligibility bar, international lounge access, and