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 GuidesStanding Instructions vs UPI Autopay: Two Rails, Two Rulebooks
There are two different automatic-payment systems running side by side in India, and most people mix them up. Standing instructions live on the card and bank rails — the system credit cards have used for years. UPI Autop
How-To GuidesUPI Autopay Mandates Explained: How Set-and-Forget Billing Really Works
Every month, the same bills come knocking — streaming apps, mobile recharges, mutual-fund SIPs, electricity, the gym. Paying each one by hand means dozens of taps, a few forgotten bills, and the occasional late fee. UPI
Deals & OffersRecommending a Credit Card to Family: A Responsible Way to Do It
Recommending a credit card to a family member is the most common referral there is — and the one with the highest stakes. A bad recommendation to a stranger costs them nothing because they will ignore it. A bad recommend
Deals & OffersReferral Fraud and Clawbacks: How Banks Catch Bonus Abuse
Referral bonuses are easy money, and wherever easy money exists, abuse follows. Banks know this, and their referral programmes are built with detection and punishment machinery that most participants never notice — until
Deals & OffersRefer-a-Friend Programmes at India's Big Banks: What to Look For
Every major Indian card issuer runs a refer-a-friend programme, but no two programmes are alike — and they all change over time. Rather than quoting bonus amounts that will be outdated within months, this guide explains
Deals & OffersReferral Bonuses and Welcome Offers: Can You Collect Both
One of the best features of referral programmes is that they are not a zero-sum game: the referrer gets a bonus and the referee gets the card's normal welcome offer, and the two usually coexist without conflict. But "usu
Deals & OffersAre Credit Card Referral Bonuses Taxable in India
Nobody likes to hear that free money is not entirely free, but referral bonuses sit on the taxable side of a line that confuses many cardholders. The same bonus that feels like a gift is, in the tax department's eyes, pa
Deals & OffersReferral Programmes vs Affiliate Links: What Cardholders Should Know
Click a credit card link on a review site and you may be entering through an affiliate link; click one a friend sends you and it is probably a referral link. Both can pay the person who shared them, both lead to the same
Deals & OffersWhen Referral Bonuses Arrive: Payout Timelines and Annual Caps
The most common complaint about referral programmes is not that bonuses are too small — it is that they take forever to arrive, or arrive in a form nobody expected. Payout timelines, claim procedures, and annual caps are
Deals & OffersReferral Links vs Invite Codes: Which One Tracks Your Bonus Better
Your referral bonus lives or dies on tracking. Between the moment your friend clicks your link and the moment the bank credits your reward, a chain of identifiers has to survive intact — and every programme implements th
Deals & OffersWho Is Allowed to Refer a Credit Card: Eligibility Rules Explained
"Can a cardholder refer a friend for this card?" sounds like a simple yes-or-no question, but banks answer it with conditions on both sides of the referral. There is one set of rules for who may be the referrer and anoth
Deals & OffersHow Credit Card Referral Bonuses Actually Get Calculated
Almost every bank in India runs some version of "refer a friend" for its credit cards, and the mechanics are less simple than the banner suggests. The bonus you see advertised is not paid for the referral itself — it is