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.
4763 posts · Page 130 of 397 · View the full archive
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
How-To GuidesTeaching Your Family the Emergency Card Plan (Before You Need It)
Every emergency plan has a hidden single point of failure: it lives in one person's head. The primary earner knows which card to use, what the limits are, whom to call at the bank, and where everything is kept. Then that
How-To GuidesInsurance vs Credit Card Buffer: Which Covers What in a Crisis
When a crisis hits, households reach for two tools: insurance and credit. Both promise to cover what your savings cannot — but they cover different things, on different timelines, with different costs. Confusing their ro
Credit HealthEmergency Liquidity Math: How Much Card Credit Is Actually Safe
"How much of my credit limit can I safely use in an emergency?" It sounds like a simple question, but most answers are dangerously vague — "as much as you need" is how people end up in debt traps. The safe amount is not
How-To GuidesBuilding a Card-Based Safety Net for Your Household
Most emergency planning is done for one person — the earner, the cardholder, the one who "handles the money." But emergencies happen to households, not individuals. When the primary earner is hospitalised, travelling, or
How-To GuidesYour 48-Hour Financial Contingency Plan When Cash Runs Out
There comes a moment in some financial crunches — a delayed salary, an unexpected expense that empties the account — when you open your banking app and realise the cash will not stretch to the next inflow. Panic is the n
How-To GuidesCard Lost or Stolen Abroad: A Step-by-Step Recovery Plan
Few travel moments spike the heart rate like reaching for your wallet and finding your credit card gone — in a foreign city, possibly in the middle of the night, with hotel bills and return flights still to pay. It happe