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 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
How-To GuidesSetting Your 2027 Card Calendar: Milestones, Renewals and Sale Dates
Credit cards reward the organised and punish the forgetful. Fees post silently, reward points expire quietly, and the best sale offers go to shoppers who prepared weeks ahead. A card calendar — one place holding every ca
How-To GuidesClosing Festive-Season Cards You No Longer Need
Festive seasons are prime card-acquisition season: a card opened for a specific bank offer, a co-branded card for one retailer's sale, a premium card for its welcome bonus. Months later these cards sit unused, some quiet
How-To GuidesAnnual Fee Review Before Renewal Season: Keep, Downgrade or Close
Every premium card has a renewal date, and every renewal date is a decision point. The annual fee — charged once a year, often silently — is worth a deliberate review: does this card still earn its place in the wallet? C
Deals & OffersJanuary Sale Prep: A Card Strategy for the Next Sale Cycle
The festive sales end, the statements arrive — and the next big sale cycle is already on the horizon. Cardholders who treat sales as surprises leave money on the table; those who prepare a card strategy in advance stack
Credit HealthCredit Score Check After the Festive Season: What the Spike Means
Many cardholders check their credit score after the festive season and get a scare: the number has moved, sometimes noticeably. Before worrying, understand what the score is reacting to — festive spending creates predict
How-To GuidesRebuilding Your Emergency Buffer After Big Festive Spends
The festive season rarely just spends the budget — it often raids the buffer too. The "emergency fund" quietly becomes the "Diwali fund," and January arrives with impressive purchases and a dangerously thin safety net. R