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 GuidesChasing Fee Waivers: Your February-March Spend Plan Before March 31
In January you audited your cards. Now comes the part of the calendar where that audit pays off. For a large number of Indian credit cards, the fee waiver is measured over the financial year — April to March — which mean
How-To GuidesJanuary Is Fee Month: How to Run Your Annual Credit Card Audit
Most cardholders discover their annual fee the way they discover a leak — when the statement arrives and the number looks wrong. Fees are charged quietly, usually on the card's anniversary, and waivers depend on spending
Deals & OffersAfter the Sales: Setting Up Deal Alerts for the Next Deal Cycle
The October sales are winding down, but the deal calendar is not done: HDFC's Festive Treats 2026 runs all the way to Diwali on 8 November, and the year-end sale cycle follows close behind. The shoppers who win the next
Deals & OffersDiwali Gifting After the Big Sales: Jewellery and Card Strategies
The big October sales end, and Diwali — 8 November 2026 — is suddenly three and a half weeks away. If your gifting list is still open, the post-sale window has its own deals, and jewellery in particular has a live bank o
Deals & OffersAfter the Sales End: Price Protection, Returns and Price Drops
The sale ends, the banners come down — and then the price of the TV you just bought drops another Rs.2,000. It happens every festive season. What you can do about it depends on three things: your card's price-protection
Deals & OffersNo-Cost EMI in the Final Sale Days: When EMI Beats an Instant Discount
In the final days of a sale, checkout pages love to offer you a choice: take the instant discount now, or take no-cost EMI and pay over 6–12 months. Sometimes you can have both. Sometimes you must pick. Here is the maths
Deals & OffersSale-End iPhone Buying: Stacking Bank Offers with Exchange Bonuses
The iPhone is the single most discount-stacked purchase of the festive season: sale pricing, bank instant discounts, exchange bonuses on your old phone, and no-cost EMI can all apply to the same unit. In the final days o
How-To GuidesCardless Checkout: The Future of Paying Without Plastic
The plastic card is becoming the least interesting part of paying. Tokens on phones, QR codes linked to credit lines, biometrics at terminals, one-click merchant checkouts — each removes a little more of the card from th
How-To GuidesLost Your Phone? How to Secure Tokenised Cards Fast
Losing your phone used to mean losing your contacts and photos. Now the phone is also your wallet — tokenized cards in the wallet app, banking apps, UPI apps, saved merchant checkouts in the browser. The good news is tha
How-To GuidesManaging Card Tokens Across Devices and Apps
A single credit card today exists in half a dozen places at once: tokenized on your phone, tokenized on your watch, saved with tokens on three shopping apps, and sitting as plastic in your wallet. Each of those is a sepa
How-To GuidesContactless Payment Limits and Tap-to-Pay Security
Tap-to-pay feels almost too easy — no PIN, no signature, just a second near the terminal. That ease is deliberate, but it is also bounded: regulators and card networks wrap contactless payments in limits, counters, and c
How-To GuidesQR Payments Linked to Credit Cards: How the Combo Works
QR codes are the furniture of Indian payments — on every kirana counter, auto-rickshaw, and restaurant bill. Traditionally those QRs debited a bank account through UPI. The newer development is QR payments that draw from