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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How-To GuidesIRCTC Convenience Fees: Card vs UPI vs Netbanking Math
Few payment screens in India are studied as closely as the IRCTC checkout. Millions of travellers reach the payment step every day, and the convenience fee shown there varies by payment method — sometimes sharply. This a
How-To GuidesConvenience Fees in 2026: The Complete Surcharge Landscape
Few line items on a payment screen cause as much irritation as the "convenience fee" that appears at the last step of checkout. The base fare, the ticket price, or the bill amount looks one way on the product page and a
How-To GuidesNon-Delivery Disputes: Getting Your Money Back Step by Step
Before treating an order as undelivered, check the basics: the tracking status, the delivery address on the order, and whether a delivery attempt was made. A meaningful share of "non-delivery" cases are failed attempts —
How-To GuidesGrey Market vs Authorised Seller: Why Card Protection Differs
A grey-market purchase is a genuine product sold outside the brand's authorised distribution chain — parallel imports, units meant for another region, or stock diverted from authorised dealers. The product is real, but t
How-To GuidesDamaged in Transit: Card Claims vs Courier Claims
When a package arrives damaged, three different protections may apply, and choosing the right one first saves weeks:
How-To GuidesRefunds to Closed or Expired Cards: Where the Money Goes
A credit card number is a pointer to an account. When a card expires and is reissued, or is replaced after being lost, the account continues — and refunds route to the account, landing on the newest active card number. T
How-To GuidesCancelling EMI Plans on Returned Products: The Math
When a purchase is converted to EMI, the full amount is blocked against the card limit and released gradually as each instalment is paid. The monthly instalment has two parts: principal repayment and interest. In no-cost
How-To GuidesChargeback Playbook: When to Dispute and How the Process Runs
A chargeback is a forced reversal of a card transaction, initiated by the cardholder's bank through the card network's dispute rules. It exists for specific situations: fraud, billing errors, goods not received, and good
How-To GuidesReturns and Refunds on Credit Cards: The Full Timeline
A credit-card refund is not a single event; it is a chain of handoffs. Understanding the chain explains why refunds take days rather than seconds:
How-To GuidesPurchase Protection Claims: Damage and Theft Cover Explained
Purchase protection is short-term insurance bundled with some credit cards. It covers eligible items bought on the card against accidental damage and theft for a brief window after purchase — the window is defined in the
How-To GuidesExtended Warranty on Cards: Registration and Claim Mechanics
Extended warranty is a card benefit that lengthens the manufacturer's warranty on eligible items bought with the card. Instead of the cover ending when the manufacturer's term expires, the card's insurer picks up an addi
How-To GuidesPrice Protection on Credit Cards: How Price-Drop Claims Work
Price protection is a purchase benefit that sits quietly on some credit cards. The idea is simple: buy an item on the card, and if the identical item is advertised at a lower price within a defined window after the purch