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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GuidesUtkarsh Small Finance Bank Rhodium Credit Card Review (2026): Fees, Rewards and Who Should Get It
Utkarsh Small Finance Bank Rhodium Credit Card (i) (i) reviewed: annual fee Rs 4,999, base return 1.25%, and who should get it. Updated 2026
News & DevaluationsYour Card Just Got Devalued: What to Do in the First Seven Days
The email has landed: earn rates cut, transfer ratios worsened, a partner gone. Your first instinct will be anger, your second will be to burn every point immediately. Both instincts are wrong. Here is the calm, seven-da
How-To GuidesSmartBuy vs Gyftr vs iShop: Voucher Portal Rewards Compared
Behind India's premium credit cards sit three voucher and shopping portals that quietly decide how much your rewards are actually worth: HDFC's SmartBuy, the Gyftr-powered brand voucher stores run by several banks, and I
News & DevaluationsHow to Spot a Devaluation Before It Hits Your Rewards
Devaluations rarely arrive as announcements. They arrive as quiet portal changes, revised PDFs, and "system updates" — weeks before the bank admits anything changed. The cardholders who lose the least are not the ones wi
How-To GuidesSetting Up Your RuPay Credit Card on UPI: Rewards, Limits and What Earns
Linking a RuPay credit card to UPI is one of the highest-value five-minute setups in Indian personal finance: it turns every UPI QR code in the country into a credit card terminal, and — on the right card — every scan in
How-To GuidesHow to Read the MITC Before You Apply for a Credit Card
The Most Important Terms and Conditions (MITC) is the single document that governs your credit card — the fees, the rates, the reward rules, the lounge terms, everything. Banks are required to give it to you, and almost
How-To GuidesRejected for a Premium Card? The Reconsideration Playbook
A rejected credit card application feels personal. It is not — it is a risk decision made by an algorithm, and algorithms can be appealed, corrected and sometimes overruled. This is the playbook for turning a rejection i
How-To GuidesNo-Cost EMI: The Real Math Banks Don't Advertise
"No-cost EMI" is the most successful phrase in Indian retail finance. It promises the impossible — borrow money for months and pay nothing for it — and it is technically true in the narrowest sense while being misleading
How-To GuidesFuel Surcharge Waiver: The Fine Print on Every Indian Fuel Card
Every fuel credit card in India advertises a fuel surcharge waiver. Almost nobody reads the conditions attached to it — and the conditions are where the waiver shrinks. This guide covers what the surcharge is, how the wa
How-To GuidesDynamic Currency Conversion: The Quiet Tax on Your Foreign Bill
You are paying a hotel bill in Bangkok. The terminal offers a choice: pay in Thai baht, or pay in rupees — "for your convenience." It sounds helpful. It is one of the most expensive buttons in travel. That choice is Dyna
How-To GuidesBalance Transfer on Credit Cards: Fees, Traps and When It Is Actually Smart
A balance transfer moves outstanding debt from one credit card to another — usually to a card offering a lower interest rate for a promotional period. Done right, it buys you breathing room to clear debt cheaper. Done wr
GuidesAmerican Express Membership Rewards Credit Card vs RBL Bank Icon Credit Card: Which Credit Card Wins in 2026?
American Express Membership Rewards Credit Card against RBL Bank Icon Credit Card: fees, reward rates, lounge access and which one suits which spender. Upd