The CardBuzz blog
Card-by-card write-ups from our team, features, fees, lounge access and who each card actually suits. For the numbers after every cap and exclusion, head to the card pages.
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GuidesHDFC Bank Diners Club Privilege Credit Card vs SBI Card Pulse Credit Card: Which Credit Card Wins in 2026?
HDFC Bank Diners Club Privilege Credit Card against SBI Card Pulse Credit Card: fees, reward rates, lounge access and which one suits which spender. Update
GuidesAmerican Express Smartearn Credit Card vs IDFC HPCL First Power Credit Card: Which Credit Card Wins in 2026?
American Express Smartearn Credit Card against IDFC HPCL First Power Credit Card: fees, reward rates, lounge access and which one suits which spender. Upda
GuidesICICI Bank Platinum Chip Credit Card vs Tata Neu Plus HDFC Credit Card: Which Credit Card Wins in 2026?
ICICI Bank Platinum Chip Credit Card against Tata Neu Plus HDFC Credit Card: fees, reward rates, lounge access and which one suits which spender. Updated 2
GuidesHSBC Visa Platinum Credit Card vs SBI Simplyclick Credit Card: Which Credit Card Wins in 2026?
HSBC Visa Platinum Credit Card against SBI Simplyclick Credit Card: fees, reward rates, lounge access and which one suits which spender. Updated 2026
How-To GuidesZero-Surcharge Payment Routing: A Decision Framework
The preceding articles in this series mapped each surcharge territory — travel, fuel, rent, education, wallets, utilities — and the economics underneath them. This final article assembles those lessons into a single deci
How-To GuidesMDR Explained: Who Really Pays When You Swipe
Every card swipe sets off a chain of payments behind the scenes — and the "convenience fees" dissected across this series are just the visible tip of that chain. The engine underneath is the Merchant Discount Rate (MDR).
How-To GuidesSurcharge vs Rewards: The Break-Even Formula
Every article in this series eventually arrives at the same question: the payment route charges a fee, the card earns rewards — which side wins? This article gives the general-purpose break-even formula that answers that
How-To GuidesUtility Bill Surcharges and Caps: What the Rules Say
Electricity, piped gas, water, and broadband bills are the steadiest outflows in a household budget — which makes the surcharges some payment routes add to them a slow, recurring leak. This article explains the rules gov
How-To GuidesWallet-Load Charges: The Fee Most Cardholders Miss
Among all the fees in the credit-card ecosystem, the wallet-load charge is the quietest — and the one most likely to ambush a cardholder. Adding money to a prepaid wallet with a credit card looks like ordinary spending,
How-To GuidesEducation Fee Convenience Charges: Dodging Them Legally
School and college fee season brings an unwelcome surprise for many parents: the online fee portal adds a convenience charge on top of tuition, sometimes running into thousands on annual fees. These charges are legal, bu
How-To GuidesRent Payment Surcharges: When Paying by Card Still Wins
Paying rent by credit card sits at the centre of one of the fiercest debates in personal finance: the platform charges a fee, the card earns rewards, and both sides claim the math favours them. This article lays out how
How-To GuidesFuel Surcharge Waivers: How the 1% Math Actually Works
The fuel surcharge is one of the oldest and most misunderstood fees in Indian credit cards. Fuel stations add a surcharge on card payments, card issuers advertise a "fuel surcharge waiver" as a card benefit, and cardhold