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 GuidesHow to Pay Car Insurance Premiums on Credit Cards for Maximum Value
Car insurance is one of the largest recurring payments a vehicle owner makes — comprehensive policies for a new car can run into tens of thousands of rupees a year. Unlike fuel or servicing, which trickle out in small am
Buying GuidesPaying Your Car Down Payment on a Credit Card: The Complete Mechanics
Buying a car in India usually starts with a large lump-sum down payment — often a few lakhs handed to the dealer before the loan disburses. If you are going to spend that money anyway, routing it through a credit card ca
Credit HealthBuilding a Net-Worth-Positive Credit Card Stack
Most people choose credit cards one at a time — a pre-approved offer here, a friend's recommendation there — and end up with an accidental collection: overlapping benefits, underused perks, and fees that seemed reasonabl
How-To GuidesExpense-Ratio Thinking for Credit Cards: What Your Card Really Costs You
Mutual fund investors know the expense ratio — the annual percentage a fund charges for managing your money, disclosed upfront and easy to compare. Credit cards have an equivalent, but nobody discloses it: your card's tr
How-To GuidesPaying Wealth-Manager and Advisory Fees on Credit Cards
If you work with a wealth manager, a SEBI-registered investment adviser, or a financial planner, you pay for the relationship — an annual retainer, a percentage of assets, or a per-plan fee. And if you hold a rewards cre
How-To GuidesTax Mechanics of Reward Redemptions: What Indian Cardholders Should Know
Sooner or later, every thoughtful Indian cardholder wonders: are my credit card rewards taxable? The cashback credits, the points converted to vouchers, the miles redeemed for flights — does any of this count as income i
How-To GuidesCredit Card Rewards as a Micro-Savings Habit
Financial advice usually focuses on the big levers — your savings rate, your asset allocation, your salary growth. But wealth is also built in the small behaviours, the ones so minor they feel irrelevant. Credit card rew
Credit HealthCredit Leverage Risks: Why Borrowing to Invest Is a Bad Idea
Every few years, a seductive idea makes the rounds in Indian investing circles: use the interest-free period on your credit card — or a low-cost balance transfer, or a cash advance — to put money into the market, ride th
How-To GuidesReward Points vs Cashback: The Compounding Math That Matters
Ask a room of Indian cardholders whether points or cashback is better and you will get a spirited argument with very little maths. The truth is that the two reward shapes behave differently in the ways that matter for we
How-To GuidesInvesting Your Reward Earnings: Turning Points Into a Portfolio
Every month, millions of Indian credit card users earn rewards — cashback, points, miles — and then do nothing particularly useful with them. Points sit in an account until they expire, cashback gets absorbed into the ne
Credit HealthSIP Automation Mechanics: How to Route Investments Around Credit Cards
A systematic investment plan is one of the most powerful habits in Indian personal finance — and one of the most misunderstood alongside credit cards. The confusion usually starts with a simple question: can I pay my SIP
How-To GuidesPaying Demat and Broker Charges on a Credit Card: What Actually Works
If you hold a demat account, you already pay a small constellation of charges every year: the account maintenance fee, brokerage on trades, depository transaction charges, pledge and unpledge fees, and the odd statement